Substance abuse isn’t a regional problem – it’s a national one. Yes, all across the nation, adolescents and adults, men and women are challenged by issues with drugs or alcohol. The good news is that there are a multitude of rehabilitation centers and services located throughout the country that can help such people overcome their issues and get back to living a healthy life. But the bad news, for many people at least, is that rehabilitation comes at a cost – and oftentimes – individuals don’t have the means necessary to pay for these costs out-of-pocket. That’s why having a good health insurance plan that covers some of – if not all of – the cost for treatment can be such a big asset, as not having adequate health insurance and a means of financing part or all of the cost of rehab can be the difference between receiving and not receiving adequate help for some people.
There are two main types of treatment for overcoming substance abuse – inpatient and outpatient. Outpatient treatment is the less intensive of the two, and its style of treatment permits individuals to go about their daily lives and routines as usual, aside from attending counseling or meetings, as part of the treatment program. Inpatient treatment is the more intensive of the two, and it requires individuals to check into a rehabilitation center for 30, 60, 90, or up to 120 days. In inpatient treatment, care is provided around the clock and withdrawal symptoms are also closely monitored. Another notable difference when it comes to outpatient versus inpatient treatment has to do with cost – inpatient treatment is generally much more expensive than outpatient. That’s why having a good healthcare plan on your side, such as those offered by Aetna, can be such a big help when it comes to getting the treatment that’s needed to get healthy.
Aetna offers healthcare coverage in many states throughout the U.S., including Maryland. This post will take a closer look at how Aetna offers coverage for substance abuse treatment, as well as some of the plans that it offers throughout the state.
Aetna offers various different healthcare plans, all with varying levels of coverage. It separates its plans into three basic categories – gold, silver, and bronze. Gold level plans offer the most medical coverage and have the lowest deductibles, however they come with the most expensive annual premiums. Silver plans offer good medical coverage and have favorable deductibles, and cost a bit less when it comes to premium fees. Bronze plans have the most limited amount of medical coverage and the highest deductibles, but are the cheapest when it comes to premiums.
All Aetna plans cover substance abuse treatment – at least in some way. Specifically, the healthcare provider has increased its efforts lately to include more substance abuse coverage in its plans, including the coverage of prescription drugs that are used to combat withdrawal symptoms and help with recovery.
Here’s a look at some of the plans that are offered throughout the state of Maryland.
We’ll start with one popular plan that’s offered throughout Maryland, the Aetna Bronze $15 Copay PPO, which carries an annual deductible of $6,850. Under the terms of the plan, substance abuse is covered 0 percent by coinsurance if it’s an in network provider, but 50 percent by coinsurance if it’s with an out of network provider.
Another popular plan in the state is the Gold $10 Copay PPO, which has an annual deductible of $1,400 per individual. The plan covers in network inpatient substance abuse via 20 percent coinsurance and has a 50 percent coinsurance for out of network providers.
Remember, when it comes to health insurance coverage, a good plan can be the difference between getting the care that you need and not getting the care when it comes to substance abuse treatment. For more information on Aetna healthcare plans offered throughout Maryland, visit or contact us at DrugRehab.org today.