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Aetna Insurance Coverage for Drug & Alcohol Rehab in Florida

An Aetna insurance plan originating in Florida can help you pay for drug and alcohol rehab. The company is required by federal law to offer benefits for mental health issues, including addiction. 

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Aetna serves an estimated 34 million people. The company’s partnership with CVS Health means even more Floridians have this type of insurance.[1] While benefits can vary from plan to plan, all include at least some coverage for rehab programs. 

Boca Recovery Center works directly with Aetna Insurance in Florida. We can verify your benefits, so you can focus on getting better. 

Does Aetna Cover Drug & Alcohol Rehab in Florida?

Aetna does cover drug and alcohol rehab in Florida. Whether your insurance originates from a federal job, a private company, or the Affordable Care Act, you can get the help you need from your insurance provider. 

Since Aetna originates so many different insurance plans in Florida, making sweeping statements is tough. Some plans offer more robust treatment options than others. But know that all of them can lower your costs for drug and alcohol addiction treatment. 

How Much of the Cost Will Aetna Cover?

Insurance coverage isn’t always straightforward. It’s not easy for the average person to understand what their plan will pay and what they’ll cover out of pocket. Know that most Aetna plans cover at least part of the treatment plan you’ll need. 

Insurance Coverage for Boca Recovery Center in Florida 

At Boca Recovery Center in Florida, we work with Aetna regularly. We’ve helped clients with Aetna coverage through the State of Florida. We’ve helped untangle Aetna Medicaid benefits. And we’ve helped people with Aetna plans purchased through the Affordable Care Act. 

Our admissions team is adept at working with Aetna representatives. We can help you understand what is and is not covered, so you can move into recovery with less worry about the financial picture.

Verifying Your Aetna Insurance Coverage in Florida 

Aetna encourages all members to download and study their Summary of Benefits and Coverage documents. This paperwork explains what is and isn’t covered. But at Boca Recovery Center, we know that people in recovery can struggle with these complex documents. We make things easy. 

We provide free insurance verification through this form. Fill it out, and we’ll handle all of the details. Or, if you prefer, call us for a conversation about your benefits. We’re here for you. 

PPOs vs. HMOs

Aetna offers two main types of health insurance: PPO and HMO. Understanding which type you have can help you determine what to do when choosing a drug rehab partner. 

If you have a PPO plan, your Aetna insurance might have a name like these:

  • Aetna Open Choice
  • Aetna Open Choice POS II
  • Aetna Managed Choice 
  • Aetna Open Access Managed Choice 

All of these plans allow you to visit any provider, whether they’re contracted with Aetna or not, without a referral. You don’t need your doctor’s approval to get care. But if you step outside of Aetna’s relationships (or network), you’ll pay more. 

If you have an HMO plan, your insurance may have one of the two following names:

  • Aetna HMO
  • Aetna Health Network Only 

These plans typically require approval from a doctor before addiction treatment begins. And you must use network providers to maximize your benefits. 

What Addiction Treatment Services Are Covered by Aetna?

Addiction treatment works best when it’s customized. The elements you need can vary depending on the drugs you’ve used, your health, and more. Aetna offers coverage for multiple services your team might recommend to get better. 

Your plan might include the following:

  • Medications: People addicted to drugs like alcohol and painkillers can benefit from medications to help them detox and avoid relapse. 
  • Therapy: Counseling can help you build skills to use when you’re struggling with triggers. 
  • Housing: Some people need treatment in inpatient facilities, so they can benefit from supportive care and protection from relapse triggers. Others need hospitalization for critical drug-related problems. 

You can expect at least partial coverage for the following drug and alcohol treatment options:

  • Medical detox: Work with a team around the clock during this critical part of your recovery. 
  • Inpatient rehab: Move away from your triggers and surround yourself with a team that’s focused on skill-building efforts and long-term sobriety. 
  • Partial hospitalization: Access intense therapy during the day, but keep living at home with the people you love. 
  • Intensive outpatient: Attend counseling sessions between 9 and 20 hours each week while you live at home.
  • Outpatient rehab: Attend sessions for a few hours each week while you live at home. 

Does Aetna Cover Dual Diagnosis Treatment?

The term dual diagnosis refers to mental health issues (like depression or anxiety) that co-occur with your addiction. Aetna covers the treatment you’ll need to address both of these conditions at the same time. 

How Long Will Aetna Cover Drug and Alcohol Rehab in Florida?

Addiction recovery takes as long as it takes. Aetna administrators understand this, and their plans reflect that knowledge. Some plans are generous and allow for lengthy time frames spent in inpatient care. Others ask you to move back home as quickly as you can. 

Don’t struggle with these details. Boca Recovery Center teams can work directly with your insurance administrators and ensure you maximize your benefits.

Updated March 5, 2024