Aetna Health Insurance for Substance Abuse Treatment
Aetna is one of the largest health insurers in the U.S., with coverage that may include addiction treatment and substance use services. Understanding how your Aetna plan works can help you find the right level of care. Here is what to know before you start.
Aetna Health Insurance for Substance Abuse Treatment
Aetna is one of the largest health insurers in the U.S., with coverage that may include addiction treatment and substance use services. Understanding how your Aetna plan works can help you find the right level of care. Here is what to know before you start.
Aetna was formed in the 1800s with a name inspired by an 11,000 foot volcano in Sicily, Italy. In the 1960s, they were the first to write individual life insurance policies to protect American astronauts in the early days of the space program and paid the first Medicare claim in the country.
Today, Aetna is a leader in addressing health disparities; they recently hired their first woman president in the company’s history.
Aetna provides a variety of health-related insurance plans and is today one of the oldest and largest health insurers in the U.S.
In 2018, Aetna was acquired by CVS Health in a move that merged health insurance offerings with an extensive network of pharmacies and services. The company is known for a broad network of providers and a focus on giving members resources to maintain and improve their health.
By Gayle Morris
Gayle Morris, BSN, MSN has over two decades of nursing practice with a clinical focus on rehabilitation medicine. She has published and lectured throughout her nursing and writing career. In the last 15 years, she has directed her energy and passion to create content that informs and educates readers with the goal of improving overall physical and mental health.
Medically Reviewed by Anna Spooner
Anna has 10 years of experience in insurance and has been a content and copywriter since 2011. She strives to make all of her writing approachable and easy to understand while drinking copious amounts of tea. Anna writes about accessing addiction treatment, insurance, and finance.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
This place is amazing! Sobermans truly saved my life! I had been to 2 places before & unfortunately neither one helped in the long run. I was literally on the verge of destroying my entire life with an opioid addiction & don’t even remember the days before detox or the first few days in detox, it was that bad. So while I was in detox, I was on the verge of hopelessness sitting in regret & overwhelmed by past trauma when someone came to me and said, your only option at this point is Soberman’s. I had never heard of them before, but at this point I’m willing to try anything so, let’s get it going as soon as I leave detox. All I can say is this place is magical! From the first night until the last I felt like I was exactly where I was supposed to be. For the first time in my life everything made sense & I felt safe because of Soberman’s way of doing things. The labyrinth has an energy like I’ve never felt before, it’s like everyone who had been there before left a little part of themselves to help those to come. The staff all have stories of their own & are some of the most beautiful human beings I’ve had the pleasure to be around. The Alumni are great & very supportive! I was fortunate enough while I was there to do 2 Alumni dinners, so I was able to meet a lot of them during the dinner. I’ve also had the pleasure of going to one dinner since I’ve been out which was fun. The Alumni are very supportive & always available, which is something I’ve never had before. A group you can always call on & they also have a weekly zoom call to check in too. Sobermans helped guide me to my recipe for success & I will forever be grateful! I’ve been Sober for 8 months now & have no desire to use, but if I do I now have the skills to deal with it in a healthy way. Thank You to everyone at Sobermans!
Jamie Vahle
3 weeks ago
Soberman’s Estate was everything I needed for my recovery. The staff, the program, physical activity and culinary experience were top notch and essential. The program is well designed and worked better than I expected. The staff is remarkable - professional, considerate and genuinely caring. My time there and being removed from alcohol for five weeks was everything I needed to remove my craving for alcohol. Soberman has changed my life in ways I never could have imagined. I feel confident, secure and grateful for my new life. I have reconnected with my family and friends. Thank you Soberman.
George B.
10 months ago
Yes, very professional staff, treatment, therapist, chefs were good! even the home cook did the best she could, and loved the horses of Course! Saturday morning hiking was fun to explore the trails of the nearby mountain area!
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Private InsuranceSelf-Pay Options
Verified insurance before anything else and had clear answers fast. No runaround.
Sandra Osei
3 days ago
What I didn't expect was how much the mental health side of things would be folded into the process from the beginning rather than treated as a separate issue for later. Depression and anxiety showing up alongside addiction is common, and addressing both at once rather than one at a time felt like the right call.
Kevin Hale
4 days ago
Absolutely loved this place. The staff were all so very supportive and I felt comfortable as well. It’s like a family here and that was something I didn’t have at my last treatment facility.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionOpioid AddictionSubstance AbuseDual DiagnosisMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Self-Pay OptionsPrivate insurance
The sober living here is apartment-style. That sounds like a small detail but if you've ever stayed in a facility that felt like a dorm from 1985, you understand why it matters. Having real living space during treatment changes how you feel day to day, and feeling okay day to day is part of the work.
Brian Okafor
3 days ago
Insurance got verified quickly before I even started. No pressure, no long hold times. That made the decision to actually go easier because I knew what I was walking into financially.
Thomas Navarro
4 days ago
Weekly massage, weekly acupuncture, weekly chiropractic. I wasn't expecting any of that going into an outpatient program. The physical side of recovery gets ignored a lot, and it shouldn't be. My body had been through a lot and having those services available throughout the week, not as a one-time thing, actually helped.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionDual DiagnosisOpioid AddictionSubstance AbuseMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Private insuranceSelf-Pay Options
The sober living option was something I didn't plan on using, but I'm glad it was there. The homes are gender-specific and the staff makes sure you're getting to and from the clinical building every day. Having that setup meant I wasn't going home to an environment that wasn't safe yet, and that mattered more than I realized going in.
Robert Simmons
3 days ago
I was dealing with anxiety that had been running alongside everything else for years, and what I appreciated was that they treated it as part of the picture from day one. A lot of programs say they do dual diagnosis but in practice they focus on the addiction and leave the mental health piece for later. Here it was genuinely integrated, medication management, therapy, all of it working together.
Kevin Tran
4 days ago
Good place. Structured, clean, and the staff know what they're doing. I've heard about programs where you feel like a number, this wasn't that.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
The staff truly cares about their patients and provided care that met my needs. The whole program exceeded my expectations and I can't thank everyone enough for the impact they made on my life and mental health. Deciding to seek treatment was not an easy thing for me but I am so glad I chose Footprints to Recovery. It wasn't all just sitting around doing therapy all day and we got the chance to do yoga, art and music therapy, and also go outdoors with Adventure Recovery. If you are considering treatment I highly encourage you to invest in yourself and give Footprints a call!
Collin Cook
5 months ago
Footprints was an absolutely stellar facility to go to after completing inpatient addiction treatment. The staff were all very patient and understanding during my biggest ups and downs during treatment, and I never felt any judgement even at my lowest points.
Recovery is such a serious rock to carry but the groups and providers helped me collect the tools necessary to be able to tackle this journey on my own.
The nursing team was incredibly helpful in finding me medications that are actually helping my mental health and addiction cravings. I've had more success in the three months I got to share with Footprints than the years I've worked with my primary care and therapist.
Andrew with case management is hilarious and hugely helpful with resources and managing work and life alongside treatment.
Anika is an incredible therapist and I am sad to leave her care, but know she will continue to do amazing things for other clients.
If you are struggling with any substance abuse, I highly recommend seeking help with Footprints. They will absolutely get you back on your feet.
Hailee Burdette
6 months ago
Was able to get the help I needed. Brought my family back together and got the tools necessary to stay sober. Mental health has been restored. The staff and everyone were very friendly and very relatable.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
I did a 30 day program at HIR and can honestly say it was the best thing I could have ever done for myself. From the daily therapy, the meetings, the food provided by the chef and the outings, this program is made to work if you want it to. All the staff were beyond great and very attentive when needed. I couldn't have asked to be at a better rehab then HIR.
Justin Marfil
2 weeks ago
Having known the CEO for years, I can say firsthand that his commitment to helping others comes from a deeply authentic place. Having walked the path of recovery himself, he truly understands what it takes to heal and rebuild a life. That personal experience—combined with his love for the outdoors and nature-based healing—is woven into the core of Hawaii Island Recovery. He is a stand-up guy with a genuine heart for people, and anyone looking for a compassionate, top-tier environment for recovery will find it here.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
As a family member, I cannot say enough wonderful things about Mountainside Treatment Center in Huntington. From the very beginning, the staff treated both our loved one and our family with compassion, respect, and genuine care during an incredibly difficult time.
The communication throughout the process was thoughtful and professional, and it was clear that everyone involved truly wanted the best possible outcome. Mountainside provides best-in-class treatment in a safe, supportive, and welcoming environment. Knowing our loved one was in such caring and capable hands gave us comfort and hope when we needed it most.
We are deeply grateful for the support, guidance, and dedication of the entire team. Highly recommend.
Adriana Popa
3 months ago
Going to Mountainside in Huntington was a life changing experience. I could not recommend it more!
Violet White
1 year ago
As a clinical social worker running a local group practice, I regularly collaborate and refer clients to Mountainside Treatment Center. Their staff has always been exceptional, especially Courtney Hulse and Dan Sexton, who go above and beyond in tailoring their treatment plans for each client and family. Mountainside serves as a tremendous resource, providing quality substance abuse treatment that is critically needed here on Long Island. We are enthusiastic about continuing to work with Mountainside to best serve our community and families. Thank you for all you do Mountainside. Highly recommend!
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
My recovery journey here is not yet complete but I can tell you this places is amazing, the staff are so helpful and supportive. My initial rehab helped me so much, the food is pretty good and the classes are even better. They really help you find your spirituality and connect you with the place. I’m currently in the sober living program here and it really helps, we go to all the alumni meetings and NA meetings in the area. The PHP program is awesome with good staff along side of you. As far as all the aspects of recovery I would highly recommend this place as your start and finish.
Timothy
1 week ago
Incredible tool for recovery!!! Helps to keep me sober!
Domonique Silver
2 weeks ago
BBH is an incredible facility with a proven track record of success. The staff are the backbone of the facility and they do everything in their power to provide the best care for their clients. Everything is geared to ensure the clients are comfortable, have everything they need during their stay, and make sure clients are set up for success on their recovery journey. The facility is so serene and peaceful with very picturesque views, comfortable rooms, inviting common areas with movies, books and games, and incredible food. Your clients will succeed if they do the work while they are at the facility and complete recommended follow-on care plans. I recommend becoming an Alumni because of the family-style community it has established. You matter and BBH makes sure that you know that.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
I have been in the DARKEST place for so long. Symetria was my saving grace. My counselor Callie (my saving grace) showed me that I actually really do matter and gave me a sense of belonging for the FIRST time in my life! She truly cares and has helped me in so many ways that I can't thank her enough. If it weren't for her, I'm not sure where I'd be in life right now without her. Ms Callie, if you see this, thank you again. To all of the concerned mothers/fathers out there, I promise you, this is the best methadone clinic in the United States. Thank you for taking the time to read my comment, I promise I wouldn't steer you the wrong direction. <3 Please take into consideration coming to Symetria. I finally have hope.
Madi Murphy
4 weeks ago
This place is great. The entire staff had always been excellent
bryan harris
1 month ago
This is the most helpful kindness place I have ever been. Never been more comfortable with what I've been so ashamed of. Karen and her team welcomed me and gave me strength and hope to getting better. My journey has just begun with the help of these lovely people. I can start living my life again. I recommend anyone if you are having trouble with getting back to sobriety please come here for help. They will be here for you and help you. Please they here are a god send.
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Frequently Asked Questions
Does Aetna Cover Drug and Alcohol Addiction Treatment?
Yes, most Aetna policies offer coverage for drug and alcohol rehab and are regulated by two federal laws: the 2008 Mental Health Parity and Addiction Equity Act and the 2010 Affordable Care Act.
However, there are exceptions to these laws, which is why you must verify your insurance coverage before beginning treatment. Benefits may be limited or require prior authorization and documentation.
Coverage typically includes a range of treatment options depending on your policy and medical needs. These services can include medical detox to manage withdrawal symptoms, residential or inpatient treatment, outpatient programs, medication assisted treatment, or aftercare and support services. Not all policies cover all types of these services.
Does Aetna Cover Suboxone & Methadone (MAT)?
Medication assisted treatment (MAT) is a specific type of addiction treatment. It is often an outpatient treatment program that uses FDA approved medications to treat opioid and/or alcohol misuse alongside counseling and recovery treatment. Suboxone and Methadone are two of the most commonly prescribed medications for MAT. MAT is covered by most Aetna plans if medically necessary. Some may cover a generic form of Suboxone instead of the brand name, and you may need to cover co pays for the prescriptions.
Does Aetna Cover Other Mental Healthcare?
Aetna’s behavioral health benefits generally include treatment for substance use disorders and mental health disorders. For those struggling with mental health concerns such as anxiety or depression, most Aetna medical plans provide resources and support. Resources include crisis support, preventive care, and treatment. Aetna members can visit the Aetna website or call the customer care number to find mental and behavioral health resources near them and learn which providers are in network and covered by their insurance plan.
Where Does Aetna Offer Coverage?
Aetna offers health insurance in every state of the U.S. and some international locations. While they offer all products in all 50 states and Washington D.C., the details, plan types, and network providers vary by state. Medicaid plans are limited to 16 states.
The availability and specifics depend on state partnerships and regulations. International coverage is provided for individuals and employers with members who live or work abroad. These plans access a global network of providers and facilities. They typically include coverage for emergency care, routine care, and other health services.
What Are Aetna Plans?
Aetna offers individual and family plans on four levels determined by the Affordable Care Act: bronze, silver, gold, and platinum. The metal levels are based on the level of coverage and costs.
Bronze plans typically have the lower premiums with higher out of pocket costs if you need care, while Platinum plans have the highest premiums with the lowest out of pocket costs for care. Aetna also offers high deductible health plans often paired with health savings accounts for those who want lower premiums and need to save up for the high deductible when care is needed.
Aetna offers Medicare Advantage plans, also called Medicare Part C. These plans coordinate care for Medicare Parts A and B and often offer additional benefits like vision, dental, and hearing.However, Advantage plans do require you to use the provider’s network for care, so be sure that your providers are included before choosing a plan.
For those with Original Medicare, Aetna offers Supplement Plans and Medicare Part D plans. Medicare Supplement Plans, called Medigap, help cover out of pocket costs like copayments and deductibles. Medicare Part D covers the cost of prescription medications, typically including medication assisted treatment for opioid addiction.
Medicaid plans are provided in 16 states, mostly on the East Coast, to help coordinate coverage for low-income individuals and families. These plans include comprehensive benefits and access to a wide network of providers. Benefits vary by state, but some level of mental health and substance use treatment will be covered in accordance with the Affordable Care Act.
Aetna offers several employer sponsored plans that include preferred provider organizations, health maintenance organizations, exclusive provider organizations, and point of service plans. Each has different rules that govern who you’re allowed to see, whether you need a referral to see a specialist, and whether out of network care is covered. If you have an Aetna plan through your employer, talk to your company’s benefits specialist to get all the details of your coverage.
Aetna’s specialty plans help cover dental, and vision services. Some plans also have a cash payout so you can handle expenses quickly. Each plan has different rules and offers various benefits. It’s important to verify your coverage before receiving care.
How to Verify Coverage With Aetna
Since benefits vary between policies, you must verify your coverage before beginning treatment. There are several ways to do this. For instance, when you purchase your plan, you receive documentation of the benefits for your policy.
Aetna maintains a member services phone number where you can call and ask questions about your coverage and limitations. You can also log in to your account online to look for in network providers or coverage information.
However, the easiest and often most efficient way is to work with the addiction treatment center. They can verify your coverage and answer questions about therapy. They can also do an initial assessment and help estimate your potential out of pocket costs.
What Kinds of Inpatient Addiction Treatment Does Aetna Cover?
Residential rehab is one type of treatment that Aetna may cover based on your needs. It’s the most well known type of inpatient addiction treatment. Residential rehab pairs intensive exposure to therapy with a stable and sober living environment. It may be a good option if you need to make major changes to your lifestyle to support your recovery.
Another treatment Aetna may cover based on your needs is medical detox. Medical detox also has you staying overnight in a facility. It tends to be shorter than residential rehab, lasting three to ten days on average. The focus is on getting you through withdrawal safely.
In either of these settings you may receive medications to help you with or even prevent you from experiencing withdrawal. You may hear people refer to this as medication assisted treatment (MAT). Qualified clinicians may treat you with MAT in any inpatient or outpatient setting.
With any of these treatments, it’s important to match the intensity of the treatment to the severity of the disease. That’s why a clinician will usually evaluate your situation to determine what treatment your condition warrants. Aetna uses the information from these assessments to inform their decisions about medically needed coverage.
What Kinds of Outpatient Addiction Treatment Does Aetna Cover?
Depending on your treatment needs Aetna may cover services like partial hospitalization and intensive outpatient treatment. These services have you spending time in treatment each day in a treatment center but going home at night. In a partial hospitalization program, you might need to be there all day for five days a week. In an intensive outpatient program you might be there for part of the day, two to three days a week. Either of these options can give you intensive support while you start to practice your new skills and mindsets.
The next step down from intensive outpatient treatment is standard outpatient. Aetna has many outpatient therapists in their network. In standard outpatient treatment you can expect to see an addiction counselor at regular intervals. Appointments can be weekly or monthly or you might agree on another schedule. You may also have appointments with someone to manage your medication if that’s appropriate for you.
MAT might be used together with any of these treatments or separately. Medications can help you manage cravings during treatment so you are able to focus on recovery and avoid relapse.
Again, a number of considerations go into determining what the right treatment is for you at the right time. As with inpatient, Aetna uses information about your clinical condition to inform their coverage decisions.
How Much Does Addiction Treatment Cost With Aetna?
This will vary widely based on what type of plan you have and the type of care you need. You can estimate your costs by knowing your plan’s deductible and copay or coinsurance amounts. You can also look at the out of pocket maximum.
Do take note that these figures might all be higher if you try to get treatment from outside Aetna’s provider network. Some Aetna plans may not cover out of network treatment at all.
How Long is Rehab When I Use Aetna Insurance?
The length of treatment varies from person to person. In general residential rehab can last from two weeks to three months. Partial hospitalization and intensive outpatient programs also can last a few weeks to a few months. Standard outpatient and MAT can continue indefinitely. You should always check ahead with Aetna to verify your coverage for a specific program.
What’s important is that you fully complete your treatment plan. This will give you the highest chance of long term recovery and help you avoid having to go through rehab again in the future.
By calling the helpline you agree to the terms of use. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses. There is no obligation to enter treatment.
Calls to numbers on a specific treatment center listing will be routed to that treatment center. Calls to any general helpline could be forwarded to SAMHSA or a verified treatment provider.
If you wish to connect with non-sponsor centers, you can browse top-rated listings, visit our homepage and browse by state, or visit SAMHSA.
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