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.

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Open-Access

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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.

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Copay-Only

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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.

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High-Deductible

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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.