Aetna Health Insurance for Substance Abuse Treatment
Discover how Aetna covers addiction treatment, mental health, and more. Learn about plan options, verify coverage, and find support for your health journey.
Aetna Health Insurance for Substance Abuse Treatment
Discover how Aetna covers addiction treatment, mental health, and more. Learn about plan options, verify coverage, and find support for your health journey.
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.
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.
This is an ad and Boca Recovery Center – Bloomington Alcohol & Drug Rehab is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
I had a wonderful experience at Boca recovery center they helped me with a lot of things, they gave me a lot of tools and resources that I currently continuing to work with.They have helped me in my recovery journey as I continue to be mindful of my triggers to prevent relapse. To all that are reading this may God of the universe continue to guide you on your recovery journey as well Amen! ☺️🙏
Diamond Louis
3 weeks ago
Staff was amazing. Very comforting and friendly. Made me feel at home while going through a difficult time. Thank you Boca Recovery Center
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.
1 month 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!
John E Williams
2 months ago
I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
Symetria is unbelievably amazing!!! The Hurst staff is phenomenal!!! I can't imagine that another location has a better staff. A special shout out to Deborah, Benjamin, and Samantha of course. You all are doing amazing, amazing, selfless work. You all are very special to so many!!!
Vernon Godsey III
1 month ago
Huge shout out to the team at symetria who make me feel like family I appreciate everything they do and huge shout out to Osagie for helping me! He is AWESOME!!! I love you symetria❤️❤️❤️
Chloe Roseman
2 months ago
BEST PLACE EVER. I have tried various other doctors/clinics and none of them even begin to compare to this one. The staff here is absolutely amazing. I can’t even make a single complaint. Dr Son is the best as well. He explains everything and you truly feel like he understands you. I can proudly say this, this place saved my life. If you or someone you know needs help getting off opiates do it right the first time and come here. You won’t be disappointed. If you are specifically struggling with fentanyl please don’t waste your time with other ways. I have tried 6 other methods from lazer therapy to having the earpiece to suboxone. Methadone is the key to our current fentanyl crisis. This clinic makes recovery possible again!
AlcoholismDrug AddictionOpioid AddictionSubstance AbuseDual DiagnosisMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Self-Pay OptionsPrivate insurance
This place helped me when I felt like no one could, 5 stars to the techs, 5 to the therapists, and 5 to case management will love you guys for ever.
kyle Buchmaier
3 days ago
My experience at All in Solutions was absolutely the best it could be given the situation. The staff were absolutely amazing. With this course of recovery I've been given the keys for a bright future. It's up to me to put my training to work in in my life.
This is an ad and Avenues Recovery Center at Lake Ariel is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
Avenue staff and clients were very friendly and helpful to give me the resources towards my journey to alcohol free lifestyle if you want help with alcohol and drug addiction treatment call them they are one of the finest
John Pettyjohn Jr
3 days ago
By far the best treatment center I’ve seen! The focus on sobriety and mental health combined really makes a huge difference while maintaining sobriety. The food is great, the groups are full of laughter and great information, and the staff really makes you feel like family. Tyler is wonderful! The intimidating sweetheart. She taught me to open up when I was uncomfortable and helped me to see sides of myself that I would never have otherwise. Joe is also one of the best presenters out there, extremely smart and teaches you in ways that make it easy to remember and use in real life scenarios. The entire crew of staff really shows that they care about you and want the best for you. If I could give Avenues more than 5 stars, I would. 10/10 would recommend <3
Antonio Cotromano
4 days ago
Avenues was the best decision I ever made. I was in a rough spot in my life and this treatment was the answer. The staff was very professional and caring. I enjoyed working with all of them (Tyler, Ian,Kamisha, Bria, Bethany, Joey, Mark, Carlo, Emily)and doing the group work . The counselors were amazing as well. Tyler still keeps in touch which is amazing and it helps for a support system. I recommend this place for anyone struggling with addiction. Thank you for all of your efforts Avenues staff. - Ryan Maxwell
Mental Health and Substance AbuseDrug AddictionAlcoholismOpioid AddictionDual DiagnosisSubstance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For WomenSeniors ProgramLGBTQ ProgramMilitary Program
Private InsuranceSelf-Pay OptionsMilitary InsuranceFinancial Aid
Staff a Boca rehab are very caring to your needs my experience was amazing through out my recovery
Wal Williams
19 hours ago
I went to Boca for detox and a short rehab stay. I can’t say enough about incredibly helpful and caring the staff was. Special shoutout to Mikaela, one of the therapists there and all of the techs and nurses. They guided and helped me along my journey to recovery.
Brian Marchioni
3 days ago
I have never been in any treatment facility for my addiction and I am so grateful that I was sent to Boca. I was scared and nervous about being away from home but I was immediately put at ease by the staff. I had no clothes, Bridget came to my rescue with clothes. Sissy, the housekeep, loved on me like a mother with everything I needed to build my self esteem. Ashley, my Therapist, gave me so many tools to not pick up again and assisted me with many coping skills. Brianna, the case manager, assisted me with all things FMLA and pay related with was great because I didn’t know where to start. The chefs, Joseph and Tyron fed me amazing meals to regain my strength and stay healthy. Kevin, the alumni coordinator, has given me his direct contact in case I need anything sobriety related. Overall this has been a life changing experience for me and I am grateful to have had this opportunity and I know that I have truly made life long friendships at Boca.
AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionMental Health
Adult ProgramLGBTQ ProgramYoung Adult ProgramMilitary Program
Self-Pay OptionsMonthlyPrivate Insurance
Good place, great housing
Nicole Rivera
3 weeks ago
Amazing support network and great staff lovely time with my stay at STR buck
William Perry
1 month ago
My experience at Steps to Recovery has been great for the most part, the people and the environment are very welcoming and comforting. I have had some issues that have come up, but they usually get resolved. My only main gripe is with some of the other clients at the community living house fail to clean up after themselves, and some do not know self control. But, the staff here is very professional and easy to talk to. I find that the opportunities here for my recovery journey are pretty good, although I'd like access to more holistic therapy resources. I've actually personally facilitated a Dharma meeting and will facilitate more in the future. I appreciate my time here at STR and am excited for the future with them.
AlcoholismDrug AddictionDual DiagnosisOpioid AddictionSubstance AbuseMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Private insuranceSelf-Pay Options
I had a wonderful time! Everyone was very helpful with my recovery journey! Thank y'all so much!
Savannah Banana
4 days ago
I can't recommend All-In enough. There's no real way to phrase a review like this that doesn't sound sappy and trite, but I firmly believe I wouldn't be where I am today without them. Love y'all ❤️
Squid Jabine
2 weeks ago
I had a great experience with All In Solutions The staff is nice, knowledgeable and helpful, I would like to give a special shout out to my Therapist KAREN CASTON she is a awesome therapist and an amazing caring, loving women. She really went above and beyond to get me through my obstacles
An incredible facility that truly cares for the client in every aspect. If you want your loved one to receive the best care, send them to Boca recovery center!
Catarina Diz
3 days ago
If I could give more than five stars, I would.
My experience with Boca Recovery was incredibly meaningful, but the person who truly changed my life was Nikki. From the very first moment we spoke, she made me feel seen, safe, and understood in a way I didn’t even realize I needed. She wasn’t just doing her job—she was genuinely invested in my well-being and my future.
Nikki supported me through every single step of the process, from start to finish, and even long after my time in the program. She never disappeared, never stopped checking in, never stopped reminding me that I was capable of rebuilding my life. That level of care is so rare, and I don’t take it for granted for one second.
The truth is, I wouldn’t be where I am today if it weren’t for her. She believed in me on days I couldn’t believe in myself. She showed up with compassion, patience, honesty, and a kind of strength that helped me find my own. Because of Nikki, I didn’t just recover—I grew, healed, and found a future I didn’t think I deserved.
If you’re looking for someone who will champion you, guide you, and truly care, Nikki is that person. I am forever grateful for her, and for the way she changed my life. She will always be a part of my story, and I cannot thank her enough.
Aria Kamyab
2 weeks ago
Bo Garfield is an exceptional professional with a sharp strategic mindset and a consistent ability to build strong, meaningful relationships. They identify opportunities with precision, communicate effectively, and always follow through. Extremely grateful for his help!
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Frequently Asked Questions
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.
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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.