Mental health disorders and addiction impact individuals and their loved ones in unexpected and potentially dangerous ways. While the exact impact of a substance depends on the specific type of drug, it interferes with personal relationships and harms your ability to manage your health. In some cases, it causes or worsens a mental health disorder and contributes to severe physical ailments. An Aetna policy in Louisiana provides the tools individuals need to seek appropriate treatment in a rehabilitation facility.
Treating substance abuse or a mental health disorder in a rehab facility requires the right type of plan. Each individual has different needs, so you want to enter a facility that offers personalized treatment solutions. A personalized plan allows professionals in a program to develop solutions based on the needs of the individual and their specific goals.
Ideally, you want to compare inpatient and outpatient programs. Inpatient, or residential, treatment programs usually offer two types of solutions: short-term and long-term treatments. Short-term treatments usually range from 28 to 35 days and programs do not always provide detox services as part of the treatment plan. Long-term residential programs usually range from 60 to 120 days and focus on remaining drug or alcohol free for the entire duration of treatment. In most cases, you coverage allows you to seek short-term residential treatment, but it does not always cover long-term programs.
Outpatient programs differ because they allow an individual to continue their normal routines and stay at home with loved ones, but still work on addiction recovery or handle a mental health disorder. During the treatment program, individuals use tools like counseling and group therapy to work out the underlying complications that contribute to an addiction.
Regardless of the type of facility, you want to consider holistic and evidence-based treatment plans. In both treatment plans, a professional provides traditional treatments as well as additional solutions based on the needs of the individual. Evidence-based treatments use tools like cognitive therapy and behavior management strategies to help with long-term goals. Holistic programs use similar tools, but also incorporate appropriate medical treatments, alternative therapies and spiritual guidance based on the needs of the individual.
In Louisiana, Aetna insurance offers coverage for substance abuse and mental health disorders as part of the essential health benefits package. Even a basic policy through an employer allows individuals to seek treatment in an appropriate rehab facility, but the exact details and amount of coverage vary between plans and options.
Evaluate an Aetna policy from an employer-provided plan before assuming that coverage applies to every situation. Certain exceptions apply to treatment for addiction or mental health disorders, particularly in relation to the type of treatments a program offers. In most cases, evidence-based and traditional treatments are covered by the policy. Expect some limits or exceptions when considering alternative therapies or experimental treatments since a policy does not always cover the treatment.
Aetna insurance offers coverage through employer provided policies in Louisiana. Since the policies work with the needs of an employer or a group, the exact options available to individuals and their family members will vary. Evaluate the options an employer offers when considering Aetna coverage for rehabilitation. In most cases, employers offer basic and standard policies for health insurance.
The coverage in a standard policy usually allows individuals to seek treatment for a set amount of time, such as 30 days in a residential program or up to 20 sessions in an outpatient program, as long as the facility complies with any standards stated in the policy. Expect to pay the stated deductible before coverage applies to the situation. Generally, policies cover 70 to 90 percent of the treatment costs after paying the deductible, but the exact percentage and copayment rate varies.
A treatment program that addresses substance abuse in Louisiana allows individuals to focus on their long-term goals and improve their health. By working with an Aetna policy, individuals can seek treatment without exceeding a budget or ignoring personal needs for long-term recovery. Contact us at DrugRehab.org today to compare different treatment facilities in Louisiana or to learn more about working with your insurance provider.