Using your Aetna benefits
Aetna Insurance
How Aetna insurance coverage for addiction treatment works, the plan types Aetna offers, and how to verify what your specific plan covers before you commit to care.
About this coverage
Aetna
Aetna is one of the largest health insurers in the United States, founded in 1853 and now a subsidiary of CVS Health. It offers benefits to individuals, families, students, and employers, along with Medicare and Medicaid plans for people who qualify.
Aetna insurance covers alcohol and drug rehab in different capacities depending on the plan, which is why the first practical step is always verifying your benefits — not guessing at them. Our admissions team checks coverage with Aetna directly and explains what your plan does and does not include before treatment starts.
Ambrosia Behavioral Health treats addiction and co-occurring mental health conditions at its South Florida programs, including the Neuroscience Institute in West Palm Beach. Verification of benefits happens before admission, so you know where your plan stands first.
Types of Aetna health insurance
Aetna sells coverage through several channels, and the plan type shapes how benefits for addiction treatment work.
Employer-sponsored plans
The employer shares the cost of premiums, with the covered percentage varying by employer. These are among the most common health plans in the country.
Individual and family plans
Offered through the ACA Marketplace during open enrollment, or outside that window after a qualifying life event.
Student health insurance
Aetna participates in college student health plans, which often cost less than typical individual coverage.
Medicare plans
Medicare Advantage (Part C), Dual Special Needs (D-SNP), Prescription Drug (Part D), and Medicare Supplement (Medigap) plans for people 65 and older, or younger people with qualifying disabilities or diagnoses.
Medicaid plans
A federal and state program for people with limited income, special needs, or a disability. Eligibility is determined by each state.
Does Aetna cover rehab?
Aetna covers alcohol and drug rehab in different capacities depending on the health insurance plan. Depending on the plan, that can include detox, behavioral health treatment for mental health disorders co-occurring with addiction, and some of the common medications used in medication-assisted treatment.
Using your benefits for addiction treatment does not raise your premiums — insurers are barred by law from doing that. And coverage does not disappear if treatment is needed more than once: Aetna plans also cover aftercare programs and outpatient care.
How to verify your Aetna benefits
Coverage varies by plan, so verify your benefits before enrolling anywhere. You can call the member services number on your Aetna ID card, or let our admissions team run the verification for you — we contact Aetna, confirm what your plan covers at each level of care, and walk you through the results at (888) 492-1633.
Levels of care Aetna benefits can apply to
Ambrosia provides a full continuum of care, and which levels your plan covers is exactly what verification answers.
- Medical detox
- Residential treatment
- Partial hospitalization (PHP)
- Intensive outpatient (IOP)
- Outpatient treatment and aftercare
- Dual-diagnosis care for co-occurring conditions
Ready to talk with admissions?
Admissions is available 24/7 to answer questions about mental health and substance use treatment options.