Aetna is In-Network with AAC

Addiction Treatment Covered by Aetna Health Insurance

Aetna is a health insurance company that provides healthcare coverage for nearly 22.1 million in the United States, including the state of Mississippi and surrounding areas of the South.1

With 1.2 million healthcare professionals and more than 5,700 hospitals in their network across the country, Aetna members have several options when it comes to healthcare needs, including drug and alcohol addiction treatment.2

Does Aetna Cover Substance Abuse Treatment?

Aetna's sign at their Hartford, CT headquartersYes, Aetna covers some expenses for substance abuse treatment. The amount of coverage provided for drug and alcohol addiction treatment depends on your specific Aetna policy.

No matter what your plan is, at least some of your addiction treatment should be covered by your Aetna insurance plan as required under the Affordable Care Act (ACA).

If you’re ready to find a drug and alcohol addiction treatment facility to begin your journey to recovery, Aetna offers members support 24/7 and can help you find a rehab center quickly.2

You can call the number on the back of your insurance card to speak with an Aetna customer service representative. Aetna will assign you a Care Advocate to help by providing support, guidance, and answering any questions you have about substance use disorder treatment.2

Aetna Plans for Addiction Treatment

Aetna plans are divided into two categories:3

  • .
  • .

Aetna insurance plans are available at different tiers, allowing members to choose the plan that works best for their budget. The plan you choose for you and your family depends on your healthcare needs, and how often you access healthcare services.4

  • Aetna bronze plans.
    Bronze plans offer the lowest monthly premiums but have higher deductibles and more out-of-pocket expenses. These are ideal for individuals who do not visit the doctor often and prefer to keep their monthly premiums low. Once the deductible is met on an Aetna bronze plan, Aetna covers approximately 70% of all medical expenses.
  • Aetna silver plans.
    Silver plans have higher monthly premiums than bronze plans with lower deductibles and fewer out-of-pocket expenses. These plans are ideal for those who see the doctor frequently. Once the deductible is met, Aetna will cover approximately 80% of all healthcare expenses.
  • Aetna gold plans.
    Gold plans have the highest monthly premiums and lowest deductibles. Gold plans are ideal for individuals who have ongoing medical issues that require frequent doctor visits and/or are on prescription medications. Once the deductible is met on this plan, Aetna covers 90% of all healthcare expenses.

Individuals who have a low income or diagnosed disability may be eligible for Medicaid, a government-funded health insurance program. Aetna offers Medicaid insurance plans in 16 states.5

If you are 65 or older, Aetna offers 3 types of Medicare advantage plans.6

How to Use Aetna Insurance to Pay for Rehab

It’s a good idea to know ahead of time exactly what is covered by your Aetna insurance plan before you enter treatment. You can fill out the form below as a first step or call us at to talk with an admissions navigator who can help you verify your insurance so you don’t have to go through the process alone.

For help from Aetna, you can:

  • Call the number on the back of your insurance card to learn more about the specific details regarding what your Aetna plan will cover.
  • Log in to the member portal on Aetna’s website to read about the details of your specific policy.
  • Check out the website, which offers an online cost estimate tool that gives you a general idea of how much is covered by your insurance policy and what you are responsible for paying out-of-pocket.

Cost of Rehab with Aetna Insurance Coverage

The cost of your rehab treatment will vary depending on your plan. You will likely have some out-of-pocket expenses. There are many ways to finance treatment to ensure you get the help you need. What is most important is getting treatment now.

Learn about your different payment options to find out more about other ways to cover the costs of treatment that insurance doesn’t cover.

Which Types of Addiction Treatment are Covered by Aetna?

Aetna insurance may cover a number of different substance use disorder treatment approaches, including:7

  • Detoxification.
  • Inpatient rehabilitation.
  • Residential rehabilitation.
  • Partial hospitalization.
  • Intensive outpatient treatment
  • Continuing care (e.g., therapy).

Benefits of Using Aetna Insurance to Pay for Substance Abuse Treatment

The rate of drug misuse and addiction in Mississippi is comparable to national averages. However, the number of people who seek treatment is lower than the national average.8

In 2018, there were 310 drug overdoses in the state of Mississippi, nearly 60% of which involved opioids.9

If Aetna is your insurance provider and you live in Mississippi, your insurance plan will cover some of the costs of drug and alcohol addiction treatment.

Though many people may not consider calling their insurance company with their addiction concerns, Aetna goes above and beyond for its members struggling with addiction. Aetna can assign you a Care Manager and will work with you and your healthcare providers or rehab center to ensure you get the care you need.2

Addiction doesn’t have to be a life sentence: detox, recovery, and long-term sobriety are all possible.

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