Drugs and alcohol impact the lives of individuals and their families in unexpected and potentially dangerous ways. When a loved one needs treatment, individuals must understand the details of their insurance policy to ensure that a program meets their needs without exceeding their budget. Aetna policies in Massachusetts allow individuals to seek treatment for substance abuse and mental health disorders, but the details in the policies depend on the specific plan an individual purchases.
Before considering the details in any policy and the coverage available through Aetna, consider personal goals for recovery and health. The best treatment facility for your personal needs or the goals of a loved one ultimately depend on the situation and the concerns that arise.
In general, individuals enter an inpatient or an outpatient program. The advantage of a residential facility is the dedication to recovery and the ability to focus without distractions. An individual enters the facility and learns valuable tools to avoid substance abuse. They also address the underlying causes of addiction and learn valuable life skills that help after leaving the program.
Outpatient programs address substance abuse without leaving a personal home. It is ideal when an individual cannot leave a career for treatment or has personal obligations that prevent treatment in an inpatient program. It is also appropriate for individuals seeking treatment for the first time, especially if the addiction started accidentally from legitimate medical situations. For example, when an individual shows signs of dependence and addiction on a prescription medication after an accident.
When selecting a treatment program, consider the options available in the facility. Ideally, you want to select a program that offers treatment for co-occurring disorders since mental health conditions contribute to substance abuse. It also helps if a program provides detox services or connects an individual to a medically supervised detox program.
Holistic and evidence-based treatments allow individuals to address the underlying causes of addiction from a whole person perspective. It addresses physical health concerns, emotional complications and mental health disorders while also focusing on recovery. Counseling in a treatment facility also helps with long-term goals.
After identifying appropriate programs for long-term goals, consider the coverage in an Aetna policy. In Massachusetts, individuals have a variety of options available to address their needs. A basic policy provides some coverage for addiction and mental health disorders, but it also sets limitations on the coverage.
Generally, the policy pays for a percentage of the treatment or requires a stated co-payment. The exact details and costs vary, but the policy usually allows individuals to seek treatment in appropriate facilities.
While the plan allows you to seek treatment, be aware of any limitations or conditions in your policy. For example, some policies limit coverage to out-of-network treatment programs. Read the limits and exclusions before assuming that the coverage applies to a facility or a specific treatment plan.
The key factor that determines the details of your rehabilitation insurance coverage for addiction or a mental health disorder is the specific policy you purchased. Each policy has different details and impacts your coverage in different ways.
As a general rule, the policies cover substance abuse treatment after you pay the stated deductible or comply with any stated standards in the plan. It will usually pay for a percentage of the treatment costs or it will pay any costs that exceed the stated co-payment. Evaluate the details to determine when the limitations in the policy prevent treatment in a specific facility due to budgeting concerns or complications with the treatment plan.
Aetna policies in Massachusetts are available in different ways. Employers and specific groups, like college policies, offer limited options for individuals. An individual and family plan allows more flexibility for coverage based on personal goals and needs, so consider the options before evaluating a treatment program.
Aetna insurance policies allow individuals or dependent loved ones to seek treatment for mental health disorders and substance abuse. Compare options for treatment at DrugRehab.org by contacting us to select an appropriate treatment facility and to ensure that a treatment program complies with the standards of a specific Aetna policy in Massachusetts.