Drug and Alcohol Rehabs in New Jersey That Accept Aetna Insurance
What To Know About Your NJ Aetna Insurance
Our Admissions Experts Will Help You Navigate This Difficult Information.
Typically, co-insurance percentage range from 20% to 40%, and the insurance company clears the rest.
The amount you pay out-of-pocket for treatment before the health plan starts helping with payments.
Co-pay is a fixed amount you must clear (usually when you receive treatment) for covered treatment services.
If you have had any experience with drug or alcohol addiction treatment, then you fully understand that the costs involved can be huge. However, if you consider the price you pay for sustaining your addiction, its impact on your family, friends, career, and schooling, and how it puts you at loggerheads with the law, rehab costs are nothing.
Nevertheless, insurance carriers like Aetna have stepped in to ensure you do not have to break the bank to pay for rehab. Your Aetna insurance plan will likely cover at least some of the costs associated with your rehab services in NJ. It is important to note that drug and alcohol rehabs in New Jersey that accept Aetna insurance will offer different types and intensities of services depending on the extent of coverage of your insurance plan.
What is Aetna?
Checking your Aetna coverage for rehab in New Jersey
Am I assured of getting services at drug and alcohol rehabs in New Jersey that accept Aetna insurance?
Aetna addiction treatment insurance plans in NJ
What substance addiction does Aetna cover in NJ?
Do Drug and alcohol rehabs in New Jersey that accept Aetna insurance have to be in-network?
Utilize Rolling Hills Recovery Center as your guide through the maze of insurance
What is Aetna?
Aetna traces its roots to Hartford, Connecticut-based Aetna (Fire) Insurance Company. The corporation is named after Mount Etna, which at one time was Europe's most active volcano. It is a managed healthcare firm based in the United States that offers conventional and consumer-directed healthcare coverage, as well as associated products that target specific diseases, including:
Long-term care disability
Since November 28th, 2018, Aetna has been operating as a subsidiary of CVS Health.
Checking Your Aetna Coverage for Rehab in New Jersey
Knowing what your insurance policy covers beforehand might help ease the stress of finding the best-suited treatment center to handle your case. Please speak with our admission team to learn more about your individual policy's coverage details.
Am I Assured of Getting Services at Drug and Alcohol Rehabs in New Jersey that Accept Aetna Insurance?
Obama's administration implemented significant reforms in 2008 and 2010 that have made it easy for Americans to be covered by insurance for drug and alcohol treatment programs. The Mental Parity and Addiction Equity Act is one of these measures. It aims to guarantee that the level of treatments you receive for drug and mental health issues is on par with those for medical and surgical procedures.
As a result, this legislation has ensured that if you anticipate a specific level of coverage for disorders like diabetes or cancer, you may also expect the same coverage for alcohol and drug addiction.
The Affordable Care Act is another statute that has simplified the process for those with health insurance to get the necessary care. This law recognizes substance abuse and mental health conditions as essential health benefits that health insurance providers should offer their clients.
If you have healthcare coverage and are looking for drug and alcohol rehabilitation centers in New Jersey that take Aetna insurance, remember that the law is on your side. Any good in-network facility will accept your plan, enabling you to access at least some level of care.
Aetna Addiction Treatment Insurance Plans in NJ
Aetna takes great pride in the accessibility and adaptability of its many insurance plan options. For those seeking services at New Jersey drug and alcohol rehabs that accept Aetna insurance, the facility's admissions staff will verify the following three primary (parent) plans before treatment.
With the open-access plan, you may see any licensed medical professional you choose. If your medical doctor is hesitant to let you consider how addiction therapies at a professional recovery facility may assist you, then this plan is excellent for you. In addition, it enables you to seek treatment without requiring a referral from your primary care provider.
You may be required to pay a certain sum (say, $50) to the health service provider upfront. This payment is called a copay.
The Aetna copay-only coverage has a deductible and minimal copay after that for covered medical expenses. This benefits package may be your best option if you anticipate needing lengthy rehabilitation treatment.
An individual's health insurance plan may require them to pay an out-of-pocket deductible before the insurance company begins to pay for their treatment. For instance, when you have a $3,000 deductible, you pay the first $3,000 of your medical bills.
Thanks to Aetna's high-deductible policy and a health savings account, you can exercise some management over your medical care money. While this plan's deductible is more significant than average, it does have the advantage that most coverage choices and benefits can kick in even before the deductible is met.
Any insurance policy that covers you in New Jersey, including those offered by Aetna, will also have the following standard levels of coverage as per the ACA classification. The highest level, Platinum, will pay 90% of your bill, while the lowest level, Bronze, will pay only 60%. In addition, the Silver plan will cover 70% of the cost.
Why Recover With RHRC?
There are affordable options for addiction treatment
Rolling Hills Recovery Center works with a variety of healthcare providers.
Rolling Hills Recovery Center is dedicated to your success. We provide evidence-based treatments backed by science and holistic therapies that heal the mind, body, and spirit.
We are fully accredited
Mater level clinicians
We treat you as an individual
Respectful and peaceful setting
Insurance is accepted
Aetna covers many addiction treatment services.
Rolling Hills Recovery Center accepts a variety of Aetna insurance coverage.
Rolling Hills Recovery Center
Dr. Williams presently serves on the board of Directors for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, Philadelphia, Pa, and a Ph.D. with a concentration in Clinical Psychology from Union Institute and University. In Cincinnati, Ohio. He is licensed to practice addictions counseling in both New Jersey and Connecticut and has a pending application as a practicing Psychologist in New Jersey.
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What Substance Addiction Does Aetna Cover in NJ?
The extent to which Aetna will pay for your drug rehabilitation depends on the specifics of your policy. Substance use disorder therapy is effective for persons addicted to a wide variety of drugs, including:
There are several forms of care for drug abuse that may be included in your Marketplace plan according to the Affordable Care Act:
Medical detox provides patients with a controlled environment to withdraw safely and is often the first step in an addiction rehabilitation program. Aetna includes coverage for medical detoxification services, but the coverage will depend on the severity of your withdrawal symptoms and how long you spend in a detox program.
Inpatient drug treatment may be expensive, but with Aetna insurance, you can reduce the cost burden even if you need to be there for many weeks or months.
Most New Jersey rehabilitation centers that accept Aetna insurance also provide convenient outpatient care so that you can get the help you need without disrupting your daily life. However, although Aetna offers coverage for specific outpatient treatments, they do not cover all of them. Here at Rolling Hills Recovery Center, we are forthright enough to tell you whether your insurance will cover any of the costs associated with your outpatient program.
Do Drug and Alcohol Rehabs in New Jersey That Accept Aetna Insurance Have to Be In-Network?
If you have an Aetna plan, you do not have to see a therapist in the network of providers. However, you may have to pay more out of pocket for care from a provider, not in your plan's network. Also, remember that Aetna does not guarantee the quality of treatment you will receive at institutions outside its network.
All programs that are part of Aetna's in-network have passed rigorous tests for qualities of care and adherence to current best practices. A treatment plan may need to be pre-approved or pre-certified in specific situations. Examples of this may be:
Admissions to residential/inpatient treatment facilities.
Prolonged outpatient treatment.
PHPs (partial hospitalization programs).
Utilize Rolling Hills Recovery Center as Your Guide through the Maze of Insurance
When the financial burden of rehabilitation threatens to prevent you from receiving necessary care, insurance may be able to assist. However, your insurance policy's level of protection may vary. Additionally, rehab programs may need pre-approval before they are covered for the treatment services offered.
Pre-certification is the insurer's process for determining whether a treatment plan is medically necessary before providing payment. Ask your insurance provider whether they need pre-certification before beginning a drug addiction treatment program.
You can also contact us, and we'll see what we can do to determine whether your insurance policy needs pre-approval for our services. The good news is that we are one of the rehabs in New Jersey that accepts Aetna Insurance!