Aetna Insurance Coverage for Drug and Alcohol Rehab Treatment

The good news is that Aetna, one of the largest health insurance providers in the United States, does offer coverage for addiction treatment.

Published On

November 23, 2023

If you or someone you love is struggling with addiction, you may be wondering if Aetna covers rehab treatment. The good news is that Aetna, one of the largest health insurance providers in the United States, does offer coverage for addiction treatment.

Understanding Aetna's Coverage for Rehab Treatment

Aetna's coverage for rehab treatment varies depending on the plan you have and the state you live in. However, most Aetna plans cover some form of addiction treatment, including inpatient and outpatient rehab, detox services, and medication-assisted treatment.

Some Aetna plans may require pre-authorization for rehab treatment, meaning you'll need to get approval from Aetna before starting treatment. Additionally, some plans may have limits on the number of days of rehab treatment that are covered.

It's important to note that Aetna typically only covers rehab treatment that is considered medically necessary. This means that if you or your loved one is seeking treatment for addiction that is not deemed medically necessary, such as for a mild substance use disorder, Aetna may not cover it.

Types of Addiction Treatment Covered by Aetna

Aetna covers a range of addiction treatment options to help individuals overcome substance use disorders. Some of the types of addiction treatment that Aetna covers include:

Inpatient rehab

This type of treatment involves staying at a residential rehab facility for a period of time, typically ranging from 30 to 90 days. Inpatient rehab provides a highly structured environment with around-the-clock care and support.

Outpatient rehab

Outpatient rehab allows individuals to receive addiction treatment while still living at home. This type of treatment can be less intensive than inpatient rehab, but it still provides access to counseling, therapy, and other support services.

Detox services

Aetna also covers detox services, which are designed to help individuals safely withdraw from drugs or alcohol. Detox can take place on an inpatient or outpatient basis.

Medication-assisted treatment (MAT)

MAT involves the use of medications, such as methadone or buprenorphine, along with counseling and other support services to help individuals manage cravings and withdrawal symptoms.

By covering a range of addiction treatment options, Aetna aims to make it easier for individuals to find the right type of care for their unique needs and circumstances.

Aetna's Coverage for Mental Health Treatment

In addition to covering addiction treatment, Aetna also offers coverage for mental health services. This includes treatment for conditions such as depression, anxiety, bipolar disorder, and schizophrenia.

Aetna's mental health coverage typically includes both inpatient and outpatient treatment options. This can include therapy sessions with a licensed mental health professional, medication management services, and hospitalization if necessary.

As with addiction treatment, the specifics of Aetna's mental health coverage will vary depending on your plan and location. Some plans may require pre-authorization for certain types of treatment or have limits on the number of visits covered.

It's important to note that seeking help for a mental health condition is just as important as seeking help for addiction. If you or a loved one is struggling with a mental health issue, don't hesitate to reach out to Aetna to see what options are available under your plan.

Does Aetna Cover Therapy?

Aetna does cover therapy for mental health conditions, including addiction. Therapy is often a crucial component of recovery, as it provides individuals with the tools and support they need to work through underlying issues that may be contributing to their addiction.

The type of therapy covered by Aetna will depend on your plan and location. However, many plans cover both individual and group therapy sessions with licensed mental health professionals. Some plans may also cover alternative forms of therapy, such as art therapy or music therapy.

It's important to note that if you're seeking therapy for addiction treatment, you'll need to find a therapist who specializes in this area. Aetna can provide a list of in-network providers who offer addiction-specific therapy.

Overall, Aetna's coverage for therapy underscores the importance of addressing both the physical and emotional aspects of addiction recovery. By offering access to quality mental health care, Aetna aims to help individuals achieve lasting sobriety and improved overall wellness.

How to Find an In-Network Rehab Facility with Aetna

Finding an in-network rehab facility with Aetna is easy. The first step is to log in to your Aetna account and search for providers in your area. You can also call the customer service number on the back of your insurance card to speak with a representative who can help you find an in-network provider.

When searching for a rehab facility, it's important to verify that they are in-network with Aetna. This will ensure that you pay the lowest out-of-pocket costs possible for your treatment.

Once you've identified several in-network rehab facilities, take some time to research each one and determine which one is the best fit for your needs. Consider factors such as location, types of treatment offered, and reviews from other patients.

Remember, choosing the right rehab facility is crucial to your recovery journey. By selecting an in-network provider with Aetna, you can feel confident that you're receiving quality care at an affordable price.

How to Check Your Aetna Coverage for Rehab Treatment

To find out what your Aetna plan covers for rehab treatment, you have a few options:

  1. Check your Aetna benefits package: Look for information on addiction treatment coverage in your plan's benefits package. You can find this information online or by calling Aetna directly.
  2. Call Aetna: If you're not sure what your benefits package covers or have questions about your coverage, call Aetna's customer service line. You can find the number on the back of your insurance card.
  3. Speak with a rehab facility: If you're considering a specific rehab facility, you can contact them directly to ask about their experience working with Aetna and what your coverage may look like.

How to File a Claim for Rehab Treatment with Aetna

If you've received addiction treatment at an in-network rehab facility with Aetna, the facility will typically handle the billing process directly with Aetna. However, if you've received out-of-network care or need to file a claim for reimbursement, here's what you need to know:

  1. Gather your documentation: Before filing a claim, make sure you have all necessary documentation on hand. This may include receipts or invoices from the rehab facility and any medical records related to your treatment.
  2. Submit your claim: To submit a claim for rehab treatment with Aetna, you can do so online through their member portal or by mail. If submitting by mail, be sure to include all necessary documentation and send it to the address listed on your insurance card.
  3. Wait for processing: Once your claim has been submitted, it will typically take several weeks for Aetna to process it and determine the amount of coverage you're eligible for.
  4. Review your Explanation of Benefits (EOB): After your claim has been processed, Aetna will send you an EOB that details how much they'll cover and how much you'll be responsible for paying out-of-pocket.
  5. Pay any remaining balance: If there is a remaining balance after Aetna has paid their portion of the bill, you'll be responsible for paying this amount directly to the rehab facility.

By following these steps and staying organized throughout the claims process, you can ensure that you receive the maximum coverage possible from Aetna for your addiction treatment.

How Much Will You Pay Out-of-Pocket for Rehab Treatment with Aetna?

While Aetna covers a range of addiction treatment options, you may still be responsible for some out-of-pocket costs. The amount you'll pay will depend on a few factors, including your plan, the type of treatment you receive, and whether the facility is in or out of network.

Here are some of the costs you can expect to pay when seeking rehab treatment with Aetna:

  • Deductibles: Depending on your plan, you may need to meet a deductible before your coverage kicks in. This is the amount you'll need to pay out-of-pocket before Aetna starts covering your treatment.
  • Co-pays or co-insurance: Even after meeting your deductible, you may still be responsible for co-pays or co-insurance. This is a percentage of the total cost of your treatment that you'll need to pay out-of-pocket.
  • Out-of-network costs: If you receive care from an out-of-network provider, your out-of-pocket costs may be higher than if you had received care from an in-network provider.
  • Additional expenses: Depending on the type of rehab treatment you receive, there may be additional expenses not covered by Aetna. For example, if you opt for luxury rehab facilities or alternative therapies not covered by insurance.

It's important to note that while rehab treatment can be expensive, it's also an investment in your health and well-being. Consider reaching out to Aetna directly to get a better understanding of what your specific plan covers and what your estimated out-of-pocket costs will be.

By doing so, you can make informed decisions about which type of treatment is right for you and how much financial responsibility you'll have when seeking help for addiction.

Other Resources Available through Aetna for Addiction Support and Recovery

In addition to covering addiction treatment, Aetna offers several resources to help individuals in recovery stay on track and achieve lasting sobriety.

Employee Assistance Program (EAP)

Aetna's Employee Assistance Program (EAP) provides confidential support services to employees and their families who are struggling with addiction or mental health issues. EAP services can include counseling, referrals to local resources, and assistance with navigating the insurance claims process.

Online Resources

Aetna also offers a variety of online resources to help individuals in recovery stay connected and informed. This includes access to educational materials about addiction and recovery, as well as online support groups where individuals can connect with others who are going through similar experiences.

Telehealth Services

With Aetna's telehealth services, individuals can receive addiction treatment from the comfort of their own home. This can be particularly helpful for those who live in remote areas or have difficulty traveling to in-person appointments. Telehealth services may include virtual therapy sessions, medication management appointments, and more.

By offering these additional resources, Aetna aims to provide comprehensive support for individuals seeking help for addiction. If you or a loved one is struggling with substance misuse, don't hesitate to reach out to Aetna to learn more about what resources are available under your plan.


Aetna does offer coverage for rehab treatment, but the specifics of your coverage will depend on your individual plan and state of residence. If you or someone you love is struggling with addiction, it's important to check your Aetna coverage and explore your options for treatment. With the right support and resources, recovery is possible.


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