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Aetna Insurance Coverage for Drug and Alcohol Rehab Treatment

If you have noticed signs of alcohol or drug addiction in you or someone you love, deciding to go to a drug or alcohol addiction rehab facility is difficult enough without having to worry about whether your insurance covers the substance abuse treatment service. You might be wondering how to pay for rehab with Aetna. This page will help you learn more about Aetna health insurance coverage levels and plans.
Yes. Aetna covers drug and alcohol rehab.
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Aetna Rehab Coverage

You may be wondering, ‘does Aetna insurance cover drug and alcohol rehab?’ The answer is ‘yes.’

If you have noticed signs of alcohol or drug addiction in you or someone you love, deciding to go to a drug or alcohol addiction rehab facility is difficult enough without having to worry about whether your insurance covers the substance abuse treatment service. You might be wondering how to pay for rehab with Aetna. This page will help you learn more about:

  • The Aetna Insurance health plan.
  • Aetna health insurance coverage levels and plans.
  • How to learn more about your healthcare benefits.
  • Whether Aetna Insurance offers addiction treatment coverage.

Aetna Insurance was started in 1853 and has grown over many years.1 It is now a part of CVS Health Corporation and provides health insurance to nearly 40 million people.1,2 Aetna plans cover medical, dental, and behavioral health and pharmacy care.2

Coverage Levels and Plans

Aetna Insurance Coverage Levels and Coverage Plans

Aetna medical health insurance plans differ between states and are divided into 2 types and 3 tiers.3,4 Health maintenance organization (HMO) plans offer lower premiums and deductibles with set copays, but you need to see doctors who are in-network and obtain referrals from your primary care doctor to see specialists.3 Preferred provider organization (PPO) plans have higher premiums and lower copays and coinsurance and offer specialist and out-of-network visits without obtaining a referral.3 The PPO tiers include:4

  • Bronze plans—These cost less in premiums but have the highest deductibles and will cost you more in out-of-pocket expenses. Aetna pays about 70% of the cost of care after the deductible is met.
  • Silver plans—These cost more in premiums but have lower deductibles and will cost you less in out-of-pocket expenses than bronze plans. Aetna pays about 80% of the cost of care after the deductible is met.
  • Gold plans—These cost the most in premiums but have the lowest deductibles and will cost you the least in out-of-pocket expenses. Aetna pays about 90% of the cost of care after the deductible is met. 

Medicaid is a government-funded health insurance program for people who have disabilities or special health needs or who meet specific income requirements.5 Aetna provides plans for Medicaid in many states across the United States.5 Aetna also offers Medicare plans, which offer health insurance through the federal government for adults aged 65 or older and, in some cases, for younger people who have disabilities.6

You may be wondering what rehab centers accept Aetna Insurance coverage. Depending on your Aetna medical coverage policy, you may be able to seek addiction treatment out-of-state. HMO plans cover only in-network providers, and that may be limited by geographic area, while PPO plans may provide more coverage for providers outside of your state. However, checking with your plan to ensure that you will be covered first is always a good idea.

Checking Your Aetna Insurance Benefits

If you want to confirm if Aetna covers drug and alcohol rehab or just check your insurance coverage, you can do so by calling the number on the back of your insurance card (which contains your Aetna policy number or subscriber ID number) and speaking with a representative. You can also view your coverage by using an online account. Logging into a member account also allows you to utilize an alcohol and drug rehab cost estimator to roughly estimate how much Aetna substance abuse treatment might cost. You can also contact American Addiction Centers (AAC) free at .

There is a variety of Aetna plans tailored for federal workers and retirees. These plans vary based on your location and personal needs.7 For more information on what is available in your area, visit this page.

Aetna Addiction Treatment Coverage

Do Aetna Insurance Plans Cover Drug and Alcohol Rehab Treatment?

You may have concerns about Aetna insurance mental health coverage but, under the Affordable Care Act, this is covered as an essential health benefit.8 Depending on your insurance plan, Aetna drug and alcohol rehab coverage may include:

Services are often based on medical necessity and may require a referral and prior authorization to be approved. If you aren’t sure if your insurance will be accepted at American Addiction Centers (AAC) rehab facilities, you can check on this page.

Aetna therapy coverage can be confusing to navigate, but a wide range of plans is available. Aetna insurance benefits do cover treatment for drug and alcohol addiction, although what is covered and where you can seek treatment may depend on what type of Aetna plan you have. It is always a good idea to confirm your alcohol and drug rehab insurance coverage before starting treatment.

Additional Resources

Additional Resources on Health Insurance Providers and Coverage Levels

Visit the links below to find out more about your health insurance coverage levels, how to get your insurance company to pay for drug and alcohol rehab, and also how to pay for addiction treatment if you don’t have health insurance.

Recommended Drug and Alcohol Rehab-Related Articles

Whether you’re looking for a specific type of rehab treatment, substance-related info., or additional guides, below are some of our most popular and recommended resources:

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