Aetna Insurance for
drug and alcohol Rehab

Aetna Insurance for Addiction Rehab

Aetna Insurance is a health insurance company that provides better coverage for addiction rehab. However, coverage provided under Aetna insurance varies from policy to policy.

The Affordable Care Act lists Substance Use Disorders as one of the 10 elements of essential healthcare benefits. The act made it mandatory for all health insurance policies to cover some form of substance abuse treatment. 


find out what your insurance covers

Find out exactly your health insurance covers for drug and alcohol treatment at Cornerstone.

Will Aetna Pay for My Stay in Rehab?

If you have active Aetna health insurance, they may pay for all or part of your stay at drug and alcohol rehab. 

The Affordable Care Act, enacted in 2010, made it mandatory for all health insurance providers to offer some substance abuse treatment. Aetna is no exception to this mandatory rule. 

The question is, how much of your drug and alcohol treatment will they cover? The answer is that it depends and changes from policy to policy. Each health insurance policy has it’s own terms, deductibles, out-of-pocket max, and day limitations. 

Even if your Aetna policy does not cover your entire stay, there are ways to still get drug and alcohol treatment. Options such as payment plans or financing for drug rehab can help you get the life-saving treatment you need. 

It’s important that each person understands the health insurance component of substance abuse treatment. We’ve created this health insurance guide to help you navigate your way into a drug and alcohol treatment center that works for you. 

What types of Rehab Does Aetna Cover?

What types of Rehab Does Aetna Cover?

Aetna pays for the treatment of substance use disorders (SUDs). Aetna insurance plans cover rehab for a broad array of drug classes, including alcohol, cannabis, prescription drugs, fentanyl, hypnotics, benzodiazepines, methamphetamine, and more. 

Drug Rehab Covered By Aetna

The first phase of drug rehab involves complete detox from drugs. Patients undergo a detox process by remaining abstinent from their drug of choice. This phase ensures that the patient becomes physically and mentally stable enough to continue into the more mentally intensive phases of addiction treatment. 

Withdrawal symptoms can be managed effectively through medically-assisted therapies. In this phase, patients are given appropriately controlled medication to alleviate withdrawal symptoms and suppress cravings. Detox typically lasts up to 10 days, depending on substance use disorder severity and the patient’s withdrawal symptoms.

In the second phase, the patient receives mental health therapies, including EMDR therapy, or Cognitive Behavioral Therapy. During this phase, the patient deals with the cause of substance abuse and learns healthy coping mechanisms. Group therapy sessions take place weekly for up to three months.

Aetna drug rehab includes several types of treatment programs, including inpatient, outpatient, intensive outpatient, and partial hospitalization. Inpatient programs provide the most intensive level of care in tightly controlled, drug-free environments.

The length of these programs depends on substance use disorder (SUD) severity and the rate at which progress is made. Inpatient programs usually last for three to 12 months. Meanwhile, outpatient programs last for a few weeks to three months.

Alcohol Rehab Covered By Aetna

Alcohol rehab normally comprises four steps: diagnostics and evaluation, detox, inpatient, and aftercare. The first recovery phase focuses on getting alcohol out of the patient’s system. Depending on the severity of their condition, the patient may experience intense withdrawal symptoms. Some of these symptoms may cause potentially fatal complications if not handled carefully. 

Inpatient programs are mainly recommended for alcoholism treatment as they enable medical management of the physical aspects of substance use disorder. 

The next phase addresses the psychological aspects of alcohol addiction. Patients undergo one-on-one meetings with a substance abuse treatment counselor. These sessions aim to develop healthy routines for patients and teach them vital coping skills.

During these sessions, underlying problems that may have contributed to alcohol abuse are explored. Group counseling sessions are also performed weekly to help patients identify behaviors and problems related to alcoholism.

Dual-diagnosis Disorder Treatment (Co-occurring disorders)

Dual diagnosis or co-occurring disorders treatment is also covered by Aetna insurance. Multiple approaches are used to treat dual diagnosis patients. 

The most effective approach to treating dual pathology is an integrated treatment that seamlessly combines interventions into a single coherent treatment plan. Integrated treatment addresses both disorders as primary. This approach helps improve accessibility, engagement of patients in treatment, service individualization, mental health symptoms, treatment compliance, and overall results.

About 9.2 million adults in the U.S. are victims of a dual diagnosis, as per SAMHSA’s 2018 National Survey on Drug Use and Health. People with a mental illness are twice as likely as the general population to be affected by a substance use disorder. Aetna plans cover all types of treatment programs for dual diagnosis individuals. 

How Many times will Aetna pay for addiction rehab?

Recovery from substance abuse can be a lifelong process, and you may experience a relapse after sobriety. Relapse after rehab completion is common and not indicative of permanent failure.

Statistics show that half of all people affected by substance use disorder experience a temporary moment of weakness that makes them pick up drugs or alcohol again. Relapse rates while in recovery are 40 to 60%, as per the National Institute on Drug Abuse. While relapse can be detrimental to the patient’s recovery, it helps identify what needs to be changed in the treatment plan.

Relapses simply mean there is more work to be done.

Long-term recovery requires practice, which means you may have to go to rehab more than once to reach complete sobriety. Many individuals have to attend rehab a second or third or fourth time to stay sober over the long term.

Aetna will pay for your rehab if deemed medically necessary, regardless of how often you have been to rehab. Often times, the treatment center you choose to help you will have to show this proof of medical necessity to Aetna in order to get an approval for longer or repeated treatment. 

How do I find out what exactly my policy covers?

Aetna offers a range of insurance plans with different levels of coverage. Before you enter rehab, it’s important that you know the fine details of your policy with Aetna. 

To get information about our drug and alcohol treatment programs, reach out today. Our admissions department can help you find out the details of your insurance policy. Start the process by filling out our insurance verification form

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