Addiction treatment at a qualified rehab center is the only way to ensure that a person can fully overcome their addiction to drugs and/or alcohol. Unfortunately, many people who need treatment do not get the care that they need. This is sometimes because they are in denial about their addiction, and it also can be attributed to the fact that many people are not aware of the resources available to them. In many cases, people who are addicted to drugs and alcohol assume that they cannot afford treatment at a specialized facility. The truth is, many health insurance plans provide coverage for behavioral health care services, including substance abuse treatment at inpatient and outpatient treatment centers. Aetna is one health care insurance company that offers plans that provide coverage to people in Delaware for these pivotal services.
Aetna is a health insurance provider that offers individuals and families throughout Delaware the opportunity to purchase health care coverage plans. Those who do not receive benefits through their employer are able to purchase Aetna insurance through the Affordable Care Act. In Delaware, there are three different plan levels available.
The premium plan level is the gold plan. This plan provides the most amount of coverage for health care services, but people who opt for this plan will pay high monthly premiums for their policy. The gold plan is ideal for those who need a significant amount of health care services throughout the year.
The silver plan is a more moderate and affordable option. It has lower monthly premiums than the gold plan, but it still covers about 70 percent of all treatment costs for the policy holder.
The bronze plan is the most affordable plan, as it offers low monthly premiums for those who select this type of policy. The trade-off, however, is that the policy holder will have to pay more out-of-pocket costs for health care services and treatments.
There are eight different Aetna health care plans available to choose from in Delaware. One of those plans is the DE Aetna Silver $10 Co-pay PPO plan. People who purchase this plan will find that there is coverage available for substance abuse treatment services. If the patient selects an in-network provider, there is a $75 co-pay per visit at an outpatient counseling center. The deductible is waived for this type of treatment. At an inpatient facility, the patient would pay a $500 co-pay upon admission and then also a 30 percent coinsurance fee. If the patient selects an out-of-network provider, they have to pay a 50 percent coinsurance fee for both inpatient or outpatient treatment.
The DE Aetna Gold $10 Co-pay PPO plan also provides coverage for addiction treatment at a recovery center. At an in-network, outpatient treatment center, the patient is required to pay a $40 co-pay per visit, but their deductible is waived. At an in-network, inpatient facility, the patient has to pay a 20 percent coinsurance fee. If the patient decides to seek treatment at an out-of-network facility, they have to pay a 50 percent coinsurance fee.
In addition to selecting the right insurance policy, patients also need to determine the type of treatment program that will work best for their personal needs. There are several drug treatment programs available for those who need assistance on the road to recovery.
Residential treatment is one option that is available to patients who are hoping to overcome an addiction. Patients can select a short-term or long-term treatment center, depending on their needs at the time they enter the facility. In general, residential treatment is the best option for those who are battling a severe addiction to drugs or alcohol, or for someone who has relapsed previously after seeking treatment.
Outpatient counseling is another option that should be considered. Private counseling as well as group therapy is available, and helps patients come to terms with the root cause of their addiction and gives them an opportunity to move forward in their life.
For more information on Aetna health insurance plans and to find a treatment center that accepts your policy, contact us at DrugRehab.org today. We are here to help you get back on track and healthy!