24/7 Support Line

(954) 526-5776
Menu close
Get Help Now

Our Centers

  • Take the First Step in Las Vegas

    Desert Hope is a beautiful oasis with modern charm located in Las Vegas, Nevada. We provide all levels of care from detox, in-patient, outpatient and sober living.

    Visit Desert Hope Treatment Center Visit Desert Hope Treatment Center
  • A New Life Awaits

    Start your recovery at our spa-like facility in the Dallas-Ft. Worth area. Holistic therapies, chef-prepared meals, and LGBTQ+ support are among the many features of our premier drug and alcohol treatment program.

    Visit Greenhouse Treatment Center Visit Greenhouse Treatment Center
  • The Best Place to Recover in Orange County

    Laguna Treatment Hospital is located in Orange County, CA. The first Chemical Dependency Recovery Hospital in the OC, we offer safe medical detox, mental health support, and wellness programs.

    Visit Laguna Treatment Hospital Visit Laguna Treatment Hospital
  • Start Recovery at Our Southern Resort

    Take a step back from your life and get the help you need at our premier drug and alcohol addiction center. Nestled in the countryside 1.5 hours from Memphis, Oxford gives you the support you need in a calm and beautiful setting.

    Visit Oxford Treatment Center Visit Oxford Treatment Center
  • Recovery Forecast includes Tropical Weather

    Your recovery can start at either of two premier drug and alcohol treatment facilities in the Greater Miami area - Fort Lauderdale and Hollywood, FL. Our specialties include treatment for veterans and first responders.

    Visit Recovery First Treatment Center Visit Recovery First Treatment Center
  • Sunny Florida Welcomes You

    Retreat to the sunny climate of Tampa, Florida for a stay at the gold standard of treatment facilities. We offer customized care plans to help you on your recovery journey.

    Visit River Oaks Treatment Center Visit River Oaks Treatment Center
  • Helping New Englanders Find Recovery for Over 30 years

    Escape to the countryside to recovery in New Jersey’s premier drug rehab & treatment center. Located only an hour from New York City.

    Visit Sunrise House Treatment Center Visit Sunrise House Treatment Center

Getting Out-of-Network Treatment with Aetna Insurance for Rehab

Aetna insurance for rehab is one of the best ways to find the funds necessary for drug treatment. However, many addicts run into trouble when the clinics they want to attend are outside their Aetna networks. Out-of-network treatment can be extremely expensive, and healthcare costs are only getting larger. Addicts with Aetna insurance need to understand how the company’s different contract options can help them pay for the treatments they need.

The Network System of Insurance

Today’s health insurance companies typically charge customers for access to their networks – large groups of healthcare providers which include general practitioners, surgeons, specialists, and various hospitals and clinics. The main benefit of this type of system is that customers are able to get low-cost healthcare. However, additional complications and fees often come into play for people who need treatment outside their providers’ networks.

This can be a particularly difficult situation for people who need drug rehab. Addiction treatment is a highly-specialized part of the healthcare industry, and provider networks don’t always include a wide variety of readily-available rehab clinics. Still, Aetna insurance provides customers with a few different options for extra-network care.

Making Compromises with HMO Contracts

Health Maintenance Organizations – or HMOs – are organizations within Aetna which require customers to select primary care physicians. These physicians typically administer routine check-ups, but they are also responsible for making referrals to other in-network providers.

When addicts with these types of contracts want to attend rehab clinics outside their networks, they often have to pay most or all of the costs out of their own pockets. HMOs are the cheapest plans available, but they are also the most rigid. However, there is a loophole which allows people to affordably attend clinics outside their normal networks: some states require that insurance companies pay for certain treatments when the nearest relevant specialist or clinic is too far from a patient’s home.

The Flexibility of PPO Aetna Insurance for Rehab

Preferred Provider Organizations are more expensive, but they offer addicts more choices of rehab clinics and addiction specialists. They typically have larger networks than HMOs, and they may also cover thirty to seventy percent of the costs of out-of-network care. Many states have even capped the percentages which all PPOs can reduce their coverage, effectively ensuring that insurance companies won’t deny necessary funding to their addicted customers.

PPOs can also be helpful for addicts with co-occurring mental disorders. For instance, a depressed rehab patient might want to work with a specific psychiatrist outside their network. They may also want to attend a certain rehab clinic which offers integrated care – the simultaneous treatment of addiction and mental illness. The flexibility of Aetna PPO insurance allows them to pursue these treatments without incurring excessive costs.

Point-of-Service – A Decent Option for Addicts?

Point-of-Service plans don’t require that people select primary care physicians, but it is usually advised for them to do so. Although POS plans don’t provide coverage when customers seek their own out-of-network treatments, they will pay for them when they are accompanied by a primary physician’s referral. This option can be life-saving for addicts whose networks don’t include rehab clinics – or who live too far from the ones within their networks.

Addiction is a crippling disease, and you should seek out the best treatments possible to make a lasting recovery. Fill out the verification form to the right of this page with your Aetna insurance information, and find out the different ways you can get coverage for a drug rehab program.

About The Contributor
The editorial staff of Recovery First is comprised of addiction content experts from American Addiction Centers. Our editors and medical reviewers have over a decade of cumulative experience in medical content editing and have reviewed thousands... Read More