List of rehabs covered by Aetna in New York
Below is a list of the different drug rehab centers that accept Aetna insurance in New York. Each listing provides information on the types of services provided and the payment options available. You can also find accreditations and certifications to help you determine if the rehab center is trusted and has the expertise you are looking for. The list can be incomplete so please do not hesitate to contact a treatment specialist at 1-800-304-2219.
Commitment to Quality
Addicted.org's team of addiction professionals has over 100 years of combined experience in the field of substance use and addiction recovery. They use this experience when assessing each service listed in our directory. If you have any questions, comments, or concerns regarding any of the listings in our directory, you can contact the team directly at Communications@addicted.org. We will utilize your feedback to make any necessary updates to our list of services.
Aetna Health Insurance and New York State Substance Abuse Treatment
Aetna health insurance plans are available for employers in New York State, whether they are large or small. Aetna also offers Medicare and Medicaid plans, and within the Aetna network are more than one million health care professionals and close to 600,000 primary care doctors and specialists across the nation. There are different plans offered to people living in New York State and some plans do cover substance abuse treatment. According to Aetna, Screening, Brief Intervention, and Referral to Treatment are evidence-based practices. This process helps identify, reduce, and prevent substance abuse and drug dependency. The process is ideal within primary care settings and supports health care staff screening and assisting people who may not be seeking help, but are struggling with addiction. Early intervention is successful and does help addicts get the treatment they need.
According to the New York State of Health, in 2018, approximately 4.7% of the state population was uninsured. In 2018 there was a reduction in the number of uninsured children under the age of 19. Additionally, there was also a decline in the number of uninsured young adults aged 19 to 34. Many counties across the state had significant decreases in the percentage of uninsured New Yorkers. Having health insurance is necessary, and Aetna plans do cover substance abuse treatment. When the search starts with a drug or alcohol treatment program in the state, the severity of the addiction determines the type of treatment needed. Severe substance abuse problems require lengthier drug treatment, such as long-term residential programs.
Ask a Professional
Will my insurance pay for my rehab?
Maybe. Generally, the more severe the person’s addiction is, the more likely an insurance company will pay. The determining factor in getting coverage is if the insurance provider believes you need it. Insurance companies have a team of medical professionals that review all claims submitted. If they disagree that the person needs drug rehab, they don’t pay. All this being said, you must ensure the facility you want to attend accepts your insurance.
How do I know if a drug rehab accepts my insurance?
The easiest way to know if your policy is accepted is to call the treatment facility and give them your insurance information. They will be able to let you know if your insurance is accepted and verify your benefits to provide you with an idea of how much coverage you will get. Another way is to ask your insurance provider for a list of treatment facilities they work with. Doing so can save a lot of wasted phone calls to facilities that don’t accept your policy.
Do all health insurance policies cover drug rehab treatment?
Yes. Between the Mental Health Parity and Addiction Equity Act and the Affordable Care Act of 2010, all insurance providers must offer some form of substance abuse treatment coverage. The level of coverage varies between insurance providers and policies. Generally, more expensive private health insurance policies cover at a higher rate. It’s important to note that treatment facilities may limit the type of policies they accept. Even if your insurance plan has coverage, it may not be taken at the drug rehab you want to attend.
Can I purchase a policy specifically to cover treatment?
Technically, there’s no reason someone can’t purchase a policy specifically to cover their addiction treatment. What makes it challenging is private health insurance companies have developed tactics to prevent people from quickly purchasing a policy to avoid a significant expense like addiction treatment and then dropping the policy afterward. To prevent this financial loss, they only allow people to but policies during a certain period of the year, known as "open enrollment." Open enrollment can be a window as small as a few weeks out of the year, forcing people to wait until that time to get coverage. Other policies have "blackout periods" where major services like substance abuse treatment aren’t yet covered. Blackout periods usually last for one year, meaning the person must pay to keep the policy active for twelve continuous months before it will pay for any portion of an addiction treatment service.
How are Medicaid and private health insurance different?
Medicaid is free health insurance subsidized by each state and offered to qualified residents. To obtain Medicaid coverage, a person must demonstrate financial hardship that prevents them from getting private health insurance. Private health insurance is not free. It is purchased by individuals from insurance companies or may be provided through employment.
The questions from Addicted.org's "Ask a Professional" are answered by Michael Leach, CCMA. If you need further clarification on any of the questions above or have any other questions you can contact him directly at M.Leach@Addicted.org..
What's Next?
After completing a drug rehab in New York covered by Aetna, aftercare support is the next step. It is challenging to know what aftercare should be considered. However, the most common approaches include outpatient programs, sober living homes, sober coaching, or recovery meetings. Many of these aftercare options are available in New York. The goal is to help you or your loved one continue the recovery journey.
