Addiction Treatment in the Northeast Covered by Aetna Insurance

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

Aetna has over 1.2 million healthcare professionals and over 5,700 hospitals in its network across the country. This means members have many options for accessing healthcare, including drug and alcohol addiction treatment.2

Does Aetna Cover Drug & Alcohol Rehab?

Aetna does cover some expenses for substance use disorder (drug and alcohol addiction) treatment. The amount covered by insurance depends on the specific Aetna plan you have.

Aetna provides members with support 24/7. The insurance company will help from the first step to recovery and beyond. Aetna provides interested members with a Care Advocate. Your Care Advocate will help you throughout your journey to recovery, answering questions, providing support and guidance both in and out of treatment, and helping sort out insurance coverage.2

There are many rehab centers in New Jersey and the surrounding area to help loved ones enter treatment in order to get and stay sober. Sunrise House in New Jersey is a premier drug and alcohol treatment center that provides high-quality addiction treatment, offers amenities, and gives each of our residents the individualized treatment they need.

You can to see if Sunrise House takes your health insurance.

How to Use Aetna to Pay for Addiction Treatment at Sunrise House

Knowing ahead of time what parts of addiction treatment are covered by your Aetna plan can provide peace of mind before you begin treatment. To learn more about what your Aetna plan covers, call the number on the back of your insurance card to learn more about the specific details of your plan.

If you prefer, you can log in to the member portal on Aetna’s website to read about the details of your insurance policy. Aetna’s website offers an online cost estimate tool that gives you an overview of how much is covered by your insurance, and what you will be responsible for paying out-of-pocket.

Alternatively, you can share the journey with our Admissions Navigators here at Sunrise House by calling . Staff at Sunrise House can help you every step of the way. You don’t have to figure out the process on your own—we are here to help you.

A Breakdown of Different Aetna Plans

Aetna plans for individuals and families are divided into two categories, HMOs, and PPOs.3

Aetna insurance plans are offered at different tiers. This gives individuals the opportunity to choose a plan that is within their budget. Tiered plans are structured as follows:4

  • Bronze plans.
    With the lowest monthly premiums, bronze plans have higher deductibles and more out-of-pocket costs for accessing healthcare. Bronze plans are best for those who do not visit the doctor often and prefer to keep their monthly expenses low. Once your deductible is met, Aetna covers approximately 70% of medicare care costs.
  • Silver plans.
    Silver plans offer higher monthly premiums, but lower out-of-pocket expenses. These are good plans for individuals who see the doctor more often. Once the deductible is met, silver plans cover 80% of all healthcare costs.
  • Gold plans.
    With the highest monthly premiums, gold plans offer the lowest deductibles and lowest out-of-pocket expenses. Gold plans are best for those who have ongoing medical issues and need to see healthcare providers frequently. Once the deductible is met, gold plans cover 90% of all healthcare costs.

The amount of coverage provided for addiction treatment depends on your specific Aetna plan. Gold plans will cover more costs than bronze plans, for example. No matter what plan you have, at least some of your addiction treatment will be covered by Aetna once you’ve met your deductible.

The Affordable Care Act (ACA) provides at least some coverage for mental health and behavioral disorder treatments, including substance use disorder.5

If you live in New Jersey or the surrounding area, your Aetna insurance plan may be accepted at Sunrise House so you or your loved one can access addiction treatment.

What Types of Substance Abuse Treatment Does Aetna Cover?

The treatment you receive will depend on your specific needs. These treatments are offered at Sunrise House in New Jersey. Read more on our levels of care page.

Why Use Aetna Insurance to Pay for Rehab

The cost of addiction treatment can be expensive. Fortunately, Aetna insurance can help cover some or all of the costs of treatment.

If you don’t have Aetna insurance privately or through your employer and you live in New Jersey, you may qualify for Aetna Better Health.

Aetna Better Health of New Jersey is a state-contracted Medicaid-managed health care plan that provides insurance coverage to individuals in all 21 of New Jersey’s counties.8 Aetna Better Health of New Jersey does provide coverage and a continuum of services for members who live with substance use disorder and other mental health conditions.9

How Much Does Substance Abuse Treatment Cost with Aetna Insurance?

The cost of your substance use disorder treatment will vary depending on your insurance policy and the services you access. Even if your Aetna insurance does not cover all of the expenses, don’t let finances hold you back from entering treatment. There are several ways to ensure you get the help and care you need. Getting into treatment now can save your life.

Visit Sunrise Health’s payment options page to learn more about how to cover the costs of treatment that insurance doesn’t cover.