The signs and symptoms of addiction will vary from person to person. One person who is addicted to drugs or alcohol may become withdrawn and start to lose interest in the things they once loved, instead focusing all of their time and energy on fueling or satisfying their addiction. Another person might become moody and start acting out in ways that their loved ones have not experienced before. If you notice the signs of addiction in someone you love, it’s critical that you help them get the treatment they need. Treatment at a rehab center is the best way to completely recover from addiction and live a sober life. In many cases, health insurance will provide coverage for full or partial substance abuse treatment services. Aetna is one health insurance company that offers policies that include coverage for behavioral health care and substance abuse treatment.
Aetna and its subsidiaries offer health insurance to the people of Idaho. Interested people may be able to purchase Aetna policies through the Healthcare Marketplace, which requires insurance companies to provide coverage for mental health care and behavioral health care. Aetna breaks down its policies into three different metal levels: bronze, silver, and gold.
The bronze metal level is the most affordable plan, in the sense that it offers low monthly premiums for those who are interested. While the monthly premiums are low, patients will have to pay more out-of-pocket costs for treatment services. Bronze plans cover approximately 60 percent of health care costs.
The silver metal level is a moderate plan that has higher monthly premiums than the bronze level, but lower out-of-pocket costs. The silver plans provide coverage for about 70 percent of health care costs.
The gold metal level is a premium plan that has the highest monthly premiums. While the monthly premiums are high, patients will find that they receive more coverage for their health care treatment services. It covers about 80 percent of all health care costs.
Aetna provides coverage to residents in Idaho through its subsidiaries. In nearby Nevada, there are several policies available for those who are interested. One such policy is the NV Aetna Bronze $15 Co-pay AVN HMO PD. This policy provides coverage for substance abuse treatment at in-network residential and outpatient treatment centers. If a patient selects an in-network facility, they have a 0 percent coinsurance fee for their substance abuse treatment services. There is no coverage available for out-of-network rehab centers.
The NV Aetna Silver $10 Co-pay PPO PD plan is also available. This policy provides coverage for both in-network and out-of-network rehab centers, but the coverage will vary based on the facility that is selected. Patients who choose an in-network, outpatient counseling center are responsible for a $75 copay per visit, and their deductible is waived. An out-of-network, outpatient treatment center requires the patient to pay a 50 percent coinsurance fee. At an in-network, inpatient treatment center, patients must pay a $500 copayment per admission, and also are responsible for a 30 percent coinsurance fee. At an out-of-network, inpatient treatment center, they must pay a 50 percent coinsurance fee.
Every patient is an individual and requires a unique approach to the recovery process. It’s important to note that there are several different treatment options available and that many of these approaches can be personalized in order to meet the needs of the individual.
Outpatient counseling is one option that is available to patients who are seeking treatment for addiction. Those who opt for treatment at an outpatient facility often participate in private therapy sessions as well as group counseling meetings. Inpatient treatment also can be considered. At an inpatient facility, patients receive detoxification care, counseling services, and support during the recovery process. Many people also incorporate holistic treatment options into their addiction recovery plan.
If you or someone you love is battling addiction, help them get the care that they need. Contact us at DrugRehab.org in order to find out more information about facilities in Idaho that accept your Aetna health insurance policy. We look forward to assisting you on the road to recovery.