Meritain Health is a third party administrator of self-funded health insurance plans for companies nationwide. It is a subsidiary of Aetna Insurance and its parent company CVS. A self-funded plan refers to insurance that an employer fully pays for as a benefit to company employees. The employer doesn’t pay a premium to an insurance company, instead they cover the cost of employee medical care themselves.
A third-party administrator sets up and manages the healthcare benefits for the employees, processes insurance claims and manages billing and payments for services to providers. They can also connect a self funded plan with a provider network if they need one.
Meritain Health has been in business since 1983 and has more than 1.5 million members. Most company employers purchase the Aetna Choice POS 11 plan to offer their employees because it gives them access to Aetna’s national network of 1.6 million healthcare providers and more than 350,000 behavioral health providers.
Meritain Health is the only third party administrator that can offer access to this Aetna network.
While examining treatment pathways or confirming insurance coverage, you can learn more about rehab options to review centers that match your plan.
By Rita Milios
Medically Reviewed by Dr Jillian Foglesong Stabile
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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 AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Private InsuranceSelf-Pay Options
Best choice i have ever made in my life!
Great staff and great people.
Tim Schreck
3 days ago
This was an excellent facility and all my needs were met. I highly recommend AISD.
Rollie Johnson
2 weeks ago
I recently finished rehab at All In Solutions in Simi Valley, and I honestly can’t say enough good things about my experience there. From the staff to the program itself, everything was professional, supportive, and genuinely caring. They made me feel comfortable from day one and helped me get back on track mentally and physically. The environment was welcoming, the people truly cared, and I always felt like I was being treated as a person — not just another client. I’m grateful for everything they did for me and would highly recommend All In Solutions to anyone looking for help or support with recovery
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
Nvm it’s rough out here
Jake Horn
4 days ago
I would highly recommend All In Solutions for anyone needing help with addiction. I travelled from Texas and was very surprised at how clean the facilities were and how organized the program was. I was able to not only get help for my drinking but I was able to get help and let go of my past traumas. Even ones I thought I had overcome. Being that this is a Faith Based program was a HUGE factor for me.
Michele Sisti
5 days ago
Very helpful place I would recommend it to my best friend or anyone in my family
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
This rehab was extremely helpful in my recovery. They provided a sober living environment and a counseling center that was different in a great way !!
jack hamilton
6 days ago
Amazing place!!! I highly recommend it!!!
Isiah Halsey
6 days ago
This program was God sent. When I was going through with my family member, they listened to all my cries and no one from the group ever judged me for it. The after effects are wonderful and I can’t imagine not being able to share my hurts, pains and my joys to anyone else besides this group. Thx Miranda and Sarah for being there every single week.😇🙏🏾💕
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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 AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis
Adult ProgramProgram For MenProgram For WomenYoung Adult Program
Private InsuranceSelf-Pay Options
I got here may 5/12/2026 and I was a complete mess. It took me about 4 days to come back to myself. I must say the staff here is amazing each and everyone person. I loved going to the group sessions, I love the people who I met here. The facility is also amazing. I definitely recommend this placed. You would love it.
Elicia Lewis
5 days ago
This place was great! From nursing to tachs and therapists. Great food great groups!!!
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 ProgramProgram For MenProgram For WomenYoung Adult Program
Self-Pay OptionsPrivate insurance
My experience here was amazing! The staff and curriculum is like no other. They teach you how to live a better life through coping skills and learning emotional awareness. I highly recommend AIS for anyone in Addiction!!!!
Evan Hymes
1 week ago
All in Solutions has been the literal best place to be in recovery. The groups at the facility are large but the staff is amazing. Every single person truly cares about you from counseling, therapy, group facilitators, house staff, even the chef! I will be forever grateful for AIS, Jason, Hepzi, Bethany and everyone that pours there heart and soul into each person's recovery! My only complaint is that the women's house doesn't have an operating grill. But I was able to recover without it :)
miranda BULOCK
2 weeks ago
The staff here was amazing! I really got the help and support I needed. They are professional, and the house where I stayed was well kept. Hepzi was terrific!
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.
Christina is an amazing tech she helped me through so much.
Jimmy
4 days ago
I have spent multiple stays here and while there are some frustrating parts, the good outweigh the bad. The Techs Chloe, Michael, Shane, Ava, Hanna, Tyler, and many more were outstanding. Greg, Lily, Monica, Tim, and Marla were also super helpful! Caitlyn was great with understanding my ever changing discharge plans and made it so smooth. I would definitely recommend.
Samuel McKanney
5 days ago
They actually take time to make sure you understand your issues and help you find a way to remove it.
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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.
Staff was amazing. Roni was an absolute pleasure and very helpful with all the needs of everyone here. Would refer to anyone.
Tom Hely
4 days ago
This place is amazing. It has given me my life back Roni, Ashley, Ross, and Earl, who are all staffed here at the Haven, are just the most wonderful caring people. Everyone on staff here has been amazing and they helped me through one of the hardest times I’ve ever gone through in my life and they helped me to do it without relapsing. My best friend had died and they all really helped me through They’re caring, knowledgeable and willing to help everyone that comes through here and the food is fantastic. They really give you a lot lol i’d also like to give a shout out to Mike , Andrew,Sarah, Sally, Dr. Harris and Pastor C who are all facilitators for the groups here they’re amazing. I hope I haven’t left anyone’s name out. I’m sure I have because I don’t have the best memory for names but I just loved it here and I’m just so grateful to have been here if you need help in any kind of way you can get it here and you can take back your life There’s no doubt in my mind that they have helped me to overcome my addiction. And they have done it in the most caring environment, both physically and mentally and emotionally Thank you Haven. this truly is a safe haven
Aerial Watts
4 days ago
This place saved my life. I’m a vet who was experiencing life in the dark with non stop negative thoughts all day! After months of drinking daily to get some type of relief it only got worse. No one understood what I was feeling and I thought it was just me. On a drunken binge something in my heart spoke to me, so I googled impatient VA care and came across The Haven! Best decision Ive ever made! 30 days in a feel better than every! Next stop is PHP to continue my journey of recovery. Thanks Haven! 🐜 ANT
I can’t even put into words how grateful I am for my time at The Lighthouse. From the moment I walked in, I felt safe, cared for, and understood. The staff goes above and beyond. They don’t just do their jobs, they pour their hearts into helping every person who walks through those doors. I truly miss them and consider them family.
The program is amazing and so thoughtfully put together. I was there during Halloween, and the team made sure we still had fun and felt special, as a mother missing Halloween with my children, I truly appreciated this. You can tell they really care about making every day meaningful. The food was delicious, and the kitchen staff put so much love into every meal.
I’m proud and thankful to call myself a Lighthouse alumni. This place completely changed my life, and I’ll forever be grateful for the people I met and the support I received.
Special shoutout to Theresa, Elizabeth, Kiana, Nichole, Austin, Amanda and Michelle, thank you for believing in me when I couldn’t believe in myself. 💛 Can’t wait for more alumni meetings and to stay in touch with everyone. Huge thanks to Heidi for keeping me connected!
If you’re thinking about getting help, this is the place to do it, it’s where healing truly begins.
With all my heart,
Charish B.
Charish Beall
6 months ago
The Lighthouse Treatment Center completely changed my life. The program itself is amazing, but what really makes it special are the people. Every single staff member I met was caring, patient, and truly dedicated to helping us heal. You can tell they love what they do and genuinely care about every client.
I want to give a huge shoutout to Elizabeth, Janey Grace, Nichole, Theresa, and Kiana — they’re absolute angels. Each of them made such a big difference in my recovery and helped me see hope again.
I’m beyond grateful for my time at The Lighthouse. This place honestly saved my life, and I’d recommend it to anyone who’s ready to make a change.
Analiese Ackermann (Ana)
6 months ago
Lighthouse is a first rate facility. The counselors ,support staff ,kitchen staff, maintenance and housekeeping are amazing. The food is great. They take you to the gym and to outside meetings which is nice. Special thanks to John Brown, Mike, Early, Tim, Austin, Noah, Steve, Ron, Johnny, Candice, Ronnie, Theresa, and Heidi.
Coastal was tough and fair…they prepared me for the real world!
The food is fabulous and the staff is wonderful!
peter haines
6 months ago
I just want to thank all of you from the bottom of my heart for the care and compassion you showed me during my stay .You helped me through one of the hardest times in my life with kindness, patience and understanding . Because of your support ,I found hope and strength again .I'll always be grateful for the way you helped me start this new chapter of my life . With love and gratitude you gave me freedom back from addiction to freedom after 15 years of being on opioids . Thank you for the true blessings I've received . Loretta
Loretta Slone
6 months ago
These people go over and above the gold standard of treatment in South Florida!
Manicured detailed excellence from the owners, chefs, medical staff, BHT's, and housekeeping!
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This is very amazing and groups are very fun. Very interactive and helps me relax and the staff is amazing. For example Queen (Carol) Tiff Kim and Paul have been very supportive since I started the program. Thank you AWA!
James Santana
5 months ago
Recomiendo este lugar con los ojos cerrados.La entrega de sus trabajadores con los niños y con los padres está en otro nivel.Sientes que los conoces desde siempre por la confianza que te brindan.La Terapista de mi hijo que se llama Ornela muy profesional y entregada con nuestros problemas.Siempre dispuesta a escuchar en todo momento con una paciencia infinita.Contenta con la conciencia creada en mi hijo sobre su situación etcétera…..Por siempre agradecida con esta institución y ahora seguir trabajando en casa 🫶🏼
Mileivys Perea
6 months ago
We brought my son to meet Annie. Instantly she identified his issues and recommended the next steps to take. My son has been in residential care and Annie has been in contact throughout because she has our best interests at heart. We had seen educated psychologist/ psychiatrist for years but i have discovered the best people to help are those who have had experience of addiction and continue the fight . Their life experiences are invaluable in helping others overcome the disease Thank you Annie !
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Frequently Asked Questions
Does Meritain Health Cover Addiction Treatment?
Self funded employer plans are not required to cover addiction or mental healthcare, but if they do, they must follow the Mental Health Parity Act and cover it at the same level as other medically necessary services.
Your employer’s plan may include mental health and rehab coverage, but it may not, so it’s very important to check with your company’s benefits manager before you commit to a treatment program. You may also need to stay within a specific provider network in order to use your employer coverage.
What Inpatient Rehab Options Does Meritain Health Cover?
If your insurance plans covers inpatient rehab, you may have coverage for services like medical detox and inpatient or residential care.
Detoxification that removes drugs from the body may involve the use of medication assisted treatment (MAT) medications to treat and reduce withdrawal symptoms. Methadone, naltrexone, and buprenorphine are often used as MAT medications. The goal of medical detox is to give you a clean start and help you stay safe and as comfortable as possible during the process.
With inpatient rehab, you are treated in a clinic or hospital; with residential rehab treatment, you are treated in a non hospital facility that usually has a home like setting. Both inpatient and residential treatment options offer 24/7 supervision and care.
Inpatient treatment will often last two weeks or fewer, although some hospitals have longer term programs. Residential treatment typically lasts 28 to 30 days, and possibly longer. Patients who have a dual diagnosis, with both substance abuse and another mental illness being present together, require integrated care that addresses both their mental health and substance use.
Does Meritain Health Cover Outpatient Treatment?
Your insurance plan may include a variety of outpatient treatment options. For example, there are partial hospitalization programs, intensive outpatient programs, and regular outpatient programs.
Partial hospitalization programs (PHP), also called “day treatment,” usually involve at least 20 hours of treatment per week, with sessions held 4-5 days per week. There are no overnight stays. A typical length for PHP treatment is three to four weeks, but it can last up to several months.
Intensive outpatient substance abuse rehab treatment typically involves nine to 20 hours of treatment per week, and these hours are spread over three to five days. Ninety days of IOP treatment are most often recommended.
In general outpatient programs, group addiction education and counseling sessions usually take place in a clinic or rehab setting once or twice a week. Individual sessions are usually offered as needed, on a selective basis.
Does Addiction Treatment With Meritain Have to Be In Network?
The Aetna Choice POS (Point of Service) II plan, used by about 90% of Meritain insurance members, allows patients to use either the Aetna network of service providers or out of network providers.
Sometimes, an out-of-network option makes sense because an in-network provider may not be nearby or convenient, or there may be an urgent need.
However, out-of-network providers will generally cost more, and you may have to pay the additional cost yourself. Unlike in-network services, claims and billing related to out-of-network providers are not handled by Meritain.
Also, while approval for coverage of some services may be required when using either an in network or out of network provider, an out of network provider would not automatically process your request for approval. You would likely have to handle that on your own.
When using an in network provider, your primary care doctor would process your request for approval when needed.
Are There Special Features Available from Meritain Health?
Employers who choose the popular Aetna Choice® POS II network can offer employees a variety of specialized services. These tools help support your overall health and therefore have an impact on your mental health and triggers for substance use disorder. For some services you may need pre certification performed by the medical management team.
Your physician must pre certify certain services that go beyond a standard physician office visit. This can include non emergency admissions or elective ambulatory surgery. It may also include diagnostic procedures and continuing care services for conditions like substance use disorders and mental health conditions. The medical management team will review the treatment plan against standard guidelines to ensure the procedure or treatment is medically necessary. Your member’s services booklet has a list of all services that require pre certification.
The Aetna Choice® POS II network has over 776,000 physicians across more than 6,100 hospitals to provide specialized care for nearly every concern. Aetna has an Institutes of Quality and Institutes of Excellence programs throughout their facilities. The Institutes of Excellence program offers access to a network of high performing hospitals that help improve patient outcomes. The Institutes of Quality is a designation for healthcare providers that meets certain quality standards.
Within this network of Institutes Aetna has identified high levels of care in bariatric care and cardiac care along with orthopedic care and behavioral health. The Institutes of Quality Network for Behavioral Health provides beneficiaries with specialized treatment for substance use and mental health conditions. Your benefits can also include virtual and in person behavioral health care to help address mental health conditions like depression and anxiety disorders.
Your insurance benefits may include a telemedicine service available to you 24/7/365. You’ll have access to qualified physicians over the phone and online as well as through an app. Telehealth and virtual primary care options provide help when you’re unable to see your primary physician in person or you are traveling or live in rural areas without a large network of physicians. The Aetna Choice® POS II network also includes Minute Clinic and Health Hub walk in locations available seven days a week so you can receive urgent care when you need it. These often have a lower cost than most urgent care facilities.
Aetna also provides wellness programs including the Healthy Merits program with resources to focus on fitness and nutrition along with financial wellness and social and emotional health. Employers can fully customize the Healthy Merits program based on the needs of their employees. They have over 400 unique wellness activities and challenges and others that can be developed. The program supports employees working from home using an accessible online or mobile app that easily integrates with wearable fitness trackers.
Aetna offers core benefits for self funded plans including an online health assessment tool to help you set health goals and identify potential health risks. The Informed Health Line offers 24/7 health information from registered nurses so you can quickly get your questions answered. Members also have access to discounts on products and services for fitness and natural therapy along with weight management and nutrition. You may also have access to Nurse Health Coaching and support services that help manage chronic conditions such as diabetes and heart disease and management for other complex situations like fertility.
Finally when you have questions about your insurance benefits or coverage you can access 24 hour support to member services. You may use the online member portal or Meritain Health app along with printed resources and customer service to get your questions answered about your health insurance benefits.
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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.
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.