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Aetna Mental Health Insurance Coverage

Founded in 1853 and active in all 50 states, Aetna’s mental health network includes 1.2 million healthcare professionals, almost 700,000 primary care doctors, specialists, and over 5,700 hospitals. [1] The company has over 46 million members in its various health plans, including regular health insurance, dental insurance, and vision insurance[2]. As part of the Affordable Care Act (ACA), It provides marketplace insurance plans that cover some or all the costs of a mental health rehab program. If you have Aetna mental health insurance and are searching for a mental health treatment facility covered by your plan, We Level Up is here to help.

We Level Up strives to provide you with the most updated information on each carrier’s mental health insurance coverage, but policy changes and errors occur. Please check with your insurance carrier directly to confirm coverage levels.

Does Aetna Mental Health Insurance Coverage Apply for Inpatient Treatment?

Get your Aetna mental health services insurance coverage without any obligation. Your Aetna mental health insurance verification is complimentary and confidential.

You may be wondering if your Aetna mental health insurance covers mental health rehabilitation. The short answer is yes. This insurance will cover at least some of your mental health condition recovery treatment. Based on the project you have, your treatment may be partially or fully wrapped.

The Affordable Care Act (ACA) requires all insurance companies to provide coverage for mental health rehab treatment. In addition, the ACA requires all health insurance plans to cover behavioral health treatment (e.g., psychotherapy and counseling), mental health inpatient services, and substance use disorder (SUD) treatment[10].

The financial responsibility you have for your treatment will depend on the state you live in, the healthcare plan you have, the treatment you need, and if you choose an in-network or out-of-network facility. No matter what mental health treatment facility you choose and what insurance policy you have, you will likely be responsible for paying some out-of-pocket costs.

The amount of health coverage you have can vary widely based on your state of residence, whether the facility is in or out-of-network, the length of your stay, and your insurance plan level. In addition, the cost of mental health rehab, when you have insurance, will vary from person to person and will also depend on the mental health facility, the type of program attended, and specific services received.

Does Aetna Mental health Insurance Cover Behaviroal Health Rehab?

Aetna’s mental health rehab coverage depends on a member’s particular health plan and the mental health treatment provider they choose. Many rehab centers take private insurance, including We Level Up. At We Level Up, we are in-network with health insurance and offer different levels of care for those with mental health conditions. In addition, we are in-network with many insurance companies, including Aetna, which means that your mental health treatment could be covered fully or partially, depending on your policy.

Types of Aetna Mental Health Insurance Plans

They offer open-access plans, copay-only plans, and high-deductible plans.

  • Open-access plans allow you to choose your doctors; they don’t require a referral, and they don’t need a primary care physician.
  • Copay-only plans will guarantee that your costs after paying your deductible are only copays, with primary care physician visits and generic drugs covered before you hit your deductible.
  • High-deductible plans offer preventative care services before the deductible is met, sometimes coverage through a primary care physician before the deductible is met (with a copay), and the option of a health savings account. To view your plan’s details, you can log into the member website.
A rehab center is the most preferable place to recover during treatment for mental health conditions.
An inpatient mental health rehab center may be the most preferable place to recover during treatment for serious and or complex mental health conditions.

Aetna offers many local plans supported by the national network of providers to better support patients at the community level.

To learn more about your Aetna mental health coverage, an online program allows you to view your coverage details, make claims, search for providers, and much more. Simply logging in gives you access to a wide variety of resources for insurance users.

In many cases, mental health problems can co-occur with substance abuse. Therefore, it is important to address mental health concerns if you seek care for substance abuse and addiction.

Does Aetna Mental Health Coverage Apply to Behavioral Health Therapy?

Aetna and other insurance companies cover individual therapy, such as cognitive-behavioral therapy (CBT) for mental health disorders. However, the amount of coverage depends on a person’s specific health insurance plan and their chosen therapist.

How to Check Your Aetna Mental Health Rehab Coverage 

Before choosing the right rehab treatment center for you, check your policy benefits to determine which costs will be covered by your insurance company and which will be out-of-pocket for you. Call the number on the back of your insurance card or log in to your account on Aetna’s website to learn more about what your specific policy plan covers.

Knowing precisely what your insurance plan covers can give you peace of mind while you or your loved one is in rehab for substance abuse. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles.

What length of stay for treatment will Aetna mental health cover?

If you’re not ready to seek mental health recovery treatment because you’re worried about what others might think, you’ll be glad that you have insurance. Aetna offers members 24/7 support, and it can help you find a doctor or rehab center quickly.

Anything that you say to your representative is kept confidential, and the company will be discreet when it comes to handling your needs. In addition, the company’s new plan calls for a combination of private therapy, and the duration of your stay depends on your Aetna insurance coverage. So regardless of the length of your visit, you’ll feel safe and protected.

Do Treatment Facilities Need to Be in Network?

In most cases, you will need to seek treatment at a rehab center that is in-network with Aetna to receive your full benefits. Even if you choose a mental health facility in-network, you may still be responsible for some of the treatment costs.

If you choose an out-of-network center, you may be responsible for all your mental health treatment costs. However, you may discuss financing options such as a payment plan or scholarships offered by the facility.

How to Verify the coverage of your plan?

The cost of rehab for mental health will vary from person to person. It will depend on the treatment center, the type of program attended, and specific services received.

Before deciding on a rehab center, check your Aetna mental health policy benefits to determine which costs will be covered by your insurance plan and which will be out-of-pocket for you. Call the number on your insurance card or log in to your account on Aetna’s website to determine how much you may need to cover in terms of copays and any deductible that must be reached before coverage kicks in for the services you need.

We Level Up can also verify your insurance coverage for you. Visit the insurance verification page, enter your information, and you will immediately be able to see if the treatment facility you are considering is in-network with Aetna. Then, please speak to one of our admissions navigators to check your benefits and help you understand what is covered.

We Level Up Treatment Center is an Aetna Mental Health provider accepting PPO plans. Our mental health team provides world-class care with round-the-clock medical professionals available to help you cope. In addition, we work as an integrated team providing information about Aetna’s mental health insurance coverage and other aspects of treatment. Make this your opportunity to reclaim your life. Call today to speak with one of our treatment specialists. Our counselors know what you are going through and will answer any of your questions.

Our Level Up treatment center can help with inpatient therapy programs exclusively. We can first help assess your condition and, after that, guide you to suitable treatment options. Call to learn more.

Your call is private and confidential, and there is never any obligation.