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
Rita Milios, The Mind Mentor, is a recently retired psychotherapist, freelance author (recovery, mental health, spiritual growth), seminar leader, and podcaster from Kissimmee, FL. She provided counseling in rehab facilities in Ohio and Florida, as well as in her private practice. Rita also served as a DOT Substance Abuse Professional (SAP) consultant.
Medically Reviewed by Dr Jillian Foglesong Stabile
Jillian Foglesong Stabile is a board-certified Family Physician who enjoys the full scope Family Medicine, including obstetrics and women’s health, along with caring for children and adults of all ages. She manages a number of health conditions, including mental health and those with a history of substance abuse.
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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
Getting through detox in a place where the staff actually understands what withdrawal feels like from personal experience, not just from a textbook, changes the whole dynamic. There's a difference between clinical empathy and the real thing, and you can tell which one you're dealing with pretty quickly.
James Callahan
2 days ago
The staff was amazing and really made me feel comfortable. I am very thankful I chose this 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.
AlcoholismDrug AddictionOpioid AddictionSubstance AbuseDual DiagnosisMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Self-Pay OptionsPrivate insurance
I came straight from inpatient at the West Palm Beach location and moved into PHP here in Boynton Beach. The transition was smooth because the treatment plan carried over. I didn't have to start explaining everything from scratch to a new team. That handoff matters more than people realize. When you're a few weeks into recovery and still pretty fragile, having continuity between one level of care and the next is the difference between keeping momentum and losing it.
Marcus Webb
2 days ago
Great place
Jorge Diaz
6 days ago
All in solutions has been very helpful with teaching me that there are better ways to live, everyone is so caring and always gives me good advice the techs are amazing, Alison, pat, and Sam my therapist ginger works wonders paster Dan is truly inspirational if anyone is struggling with addiction all in solutions is the way to go
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
I didn't know what to expect walking into PHP after finishing inpatient somewhere else. The transition can feel like a cliff, one day you're in a fully structured setting and the next you're just... out. Cherry Hill isn't like that. PHP here runs five to six days a week with a full schedule, and it gave me enough structure to feel supported without feeling locked in. By the time I moved into IOP and started going back to normal life, I actually felt ready for it rather than thrown into it.
Marcus Holloway
2 days ago
This programs great. I was scholarshipped here so I know they really care. All the staff work a really good program outside of just coming to work and thats really rare to find
Anonymous Student
1 week ago
My experience with All In Solutions has been a transforming experience from the moment they picked me up from detox. I walked in the door of their facility, broken, physically, mentally and spiritually. I was met at the front door by the intake coordinator. This lady completed my intake in a very welcoming, calming relatable and professional way.
Throughout the intake, she kept checking on me by offering me something to drink, eat and reassured me that I was safe and that there was Hope. I was immediately met with the medications, director, nurse, practitioner, nurse practitioner assistant and my amazing case manager. The housing director explained to me what my housing was going to look like. I was always given guidance and explained what was going on at all times.All of these people have been their for me every step of the way! I love the whole program at All In Solutions. The groups were facilitated by very professional, innovated, creative individuals that were not only relatable. Every employee at All In Solutions have been very kind, professional caring, giving people. Most of the employees are in recovery themselves, and even if they were not in recovery, they were still relatable, caring, giving people. I was only gonna stay for two weeks. Then extended to four weeks.Then I extended for six weeks at All In Solutions. I went from no Hope to seeing my life in a whole new perspective. All In Solutions gave me purpose hope perspective! They all gave me my life back in a whole new energized way! I can see clearly now that the rain is gone! I would definitely recommend All In Solutions to anyone! This is the best treatment facility I have ever seen in this country. Thank you so very much, All In Solutions!! You all saved my life!!
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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.
The most amazing experience of my life and i appreciate everyone i met. So grateful for the opportunity to have completed the program.
Casey Blohm
1 month ago
This place is the most amazing place I’ve ever had the pleasure to be at. The feeling you get when you come up that big hill is undescribable. Serenity is an understatement! I couldn’t imagine my life better than it is thanks to this place! Anybody who needs help this is the place you want!
Robert Bauman (Rob)
1 month ago
This amazing facility saved my life and I am forever grateful!!! The staff, programming and facilities are off the chart. The therapists are amazing and always available and on top of every detail.
P.s. the kitchen staff and the food is an 11 out of 10!!!
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.
Glad I came here to get help with my mental health. Employees really care about everyone and want to help you get better. The facility is clean and very nice. Highly recommend
Patrina Avila
1 week ago
nice and friendly staff who put client care first and super nice and clean 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.
AlcoholismDrug AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis
Adult ProgramProgram For MenProgram For WomenYoung Adult Program
Private InsuranceSelf-Pay Options
Attentive nurses during detox, warm counselors through the rest of treatment. Felt cared for the entire stay.
Anders Holt
2 days ago
The staff are amazing and Chef makes amazing food.
Sgbeast 64
4 days ago
Coming to “all in solutions” Was the best decision I have ever made my life!
I wish I had made a decision to come here years ago!
The staff is amazing.
They give you nothing but love and care and it’s obvious that they truly care about your recovery and your well-being..
Everyone here is amazing and their attitude trickles down to all the clients. AkA (addicts)
Which makes us feel like one big comfortable family.
If you’re searching for answers in a place to come recover, I recommend you come here. How
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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.
El mejor lugar para tratar la adiccion de un ser querido. Un excelente grupo de profesionales que hacen mas q su trabajo, es su vocacion. Recomendado al 100% El mejor centro en Puerto Rico. Mi agradecimjento a Josefina q fue la persona contacto en Puerto Rico, quien con mucha paciencia y amor nos facilito llegar a este lugar maravilloso
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.
Wonderful place full over extremely capable staff. I went in very rough shape, and their wrap-around services expediently straightened out multiple areas of concern and allowed for me to focus on my recovery.
Isaac Andrade
1 week ago
My time here has shown me the error of my ways also due to the surrounding of people that experienced the same or similar events
David Ingles
1 week ago
This is a great place to go for help if you need it. They will take care of you and get you the tools that you need.
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 only complaint I had was that when my clothes were washed, some items were bleached and turned pink. Other than that, I had a very positive experience.
The staff were kind, accommodating, and made the detox process as comfortable as possible. They offered snacks throughout the day, chef-prepared meals, and even had a food truck available. Smoking and vaping were permitted, and the rooms and beds were clean and comfortable.
Overall, I would recommend this facility to anyone seeking treatment. I would return if I ever needed to, although I’m grateful to have two years clean. I did have to return to treatment once due to insurance coverage and was transferred to Banyan.
Jillian A
3 weeks ago
Phenomenal place! All of the staff are very helpful and friendly. Anthony, client care coordinator is always checking in to make sure you are ok and if anything is needed, helps with a smile! Jason(therapist) is great, more in tuned than most I have seen. . Karen (EMDR) is gifted and am privileged to have been able to work with her. Magic Mike will blow your mind with his knowledge and things he can do. Food is good. Facility is clean. Beds on residential side are comfy.bon detox they are average. Such an amazing group! The only reason I gave 4 stars is this is not the place for residential treatment ....groups are aa ..lecture type no real interaction
LEA
1 month ago
Drivers picked me up, they were very professional. No judging, staff is friendly and all here to help and the kitchen is great ! And they even have ice cream !
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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.
Mario is truly an amazing recovery coach. He goes above and beyond to support, encourage, and inspire me and my recovery. His compassion, patience, and genuine dedication make a lasting difference. Mario doesn’t just help me through recovery—he believes in me and reminds me of my strength every step of the way.
Matt O
2 weeks ago
I had the privilege of working with Mario Cocozza as my recovery coach, and I can’t recommend him highly enough. Mario meets you where you are — no judgment, no scripts, just genuine care and real accountability. He checked in consistently, celebrated the wins, and helped me stay grounded through big life transitions.
What sets Mario apart is that he actually walks alongside you; he’s invested in your success as a person, not just a client. My recovery is stronger because of the work we did together. If you’re considering Mountainside and get the chance to work with Mario, take it.
Mike Welsh
4 weeks ago
Mario has been my sober coach for a couple months now and has been a great influence on my sobriety. Between months 7 and 8 I came close to a relapse and soon thereafter he became my sober coach. He carried me thru some very difficult times, losing both my grandparents in the span of two days, alongside a breakup and he was there to support me thru it the whole way. Checking in on me has been incredibly helpful. Encouraging me to go to AA meetings regularly, helping me get employment. He is truly dedicated to helping other people stay sober and it’s very clear he’s passionate about what he does. He always makes you feel seen, heard, validated and understood. I’ve never once felt judged or shamed by him, even when I was struggling. He truly understands what we’re going thru and it shows that he cares about his clients immensely.
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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.
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.