Except where law dictates otherwise, all residential treatment center admissions, inpatient admissions or outpatient detoxification programs covered by Aetna will require a referral. Referrals are available through your primary care provider, and a Pine Tree Recovery specialist can help ensure that you receive the referral and quick access to the care that you need.
The quickest and easiest way to find out how your particular plan may ease the financial burden of your recovery, is to call a Pine Tree Treatment Advisor at (888) 693-1751. We’re here for you 24 hours a day, 7 days a week.
Will my Aetna Health Insurance Cover the Entirety of my Treatment?
The limits of your coverage are affected by several factors, including a past history of treatment for substance abuse, the details of your comprehensive and individualized treatment plan, and your policy’s deductible and co-pay requirements. Aetna offers a wide range of HMO and EPO, POS and PPO, and HDHP health insurance plans. Depending on your specific policy, substance abuse recovery services may require pre-authorization. You may be required to provide documentation that includes referrals from your primary care provider, or your history of past substance abuse treatment or mental health care.
No one should ever undergo detoxification outside of the supervision of a health professional, and your Aetna plan understands this. Recent laws have required health insurance plans in many states to reduce pre-authorization requirements in order to speed up access to medically necessary care.
While health plans are notoriously difficult to navigate, terms like premiums, deductibles, co-pay or co-insurance relate to the different types of payment for which you will ultimately be responsible. Your deductible is the amount you will pay for covered health care services before your insurance begins to pay. A copayment is a one-time charge you may be expected to pay for a particular service or product, such as medications to ease your withdrawal symptoms. Coinsurance is the percentage of any costs you will pay after your deductible has been met.