Aetna Health Insurance for Drug and Alcohol Rehabilitation in Texas
Aetna health insurance for drug and alcohol rehabilitation in Texas helps families with drug-addicted loved ones access the drug rehab services they need. Drug and alcohol addiction is a devastating problem, and many addicts are unable to find help. Yet, with Aetna health insurance, they are covered and can access programs and services. Aetna health insurance is part of CVS Health Corporation and provides health insurance for millions of Americans. The health insurance plans with Aetna cover behavioral health and addiction treatment. With the passage of the Affordable Care Act, more Americans can access drug rehab through their health insurance. Overall, plans vary in terms of what type of insurance coverage they provide or how long treatment lasts.
The drug rehabilitation process for any form of drug addiction involves multiple steps. The first step would involve contacting the Aetna health insurance provider to find out what is covered. The first step in treating drug addiction involves a drug detox to manage withdrawal cravings and discomfort. Typically, the severity of withdrawal and type of addiction determine what drug detox is needed, whether medical detox or standard detox. The next phase of drug rehabilitation involves attending a residential or outpatient drug rehab program. It is also important to consider aftercare support like 12-step meetings, peer support groups, or sober living homes.
How Does Aetna Health Insurance Cover Drug Rehab in Texas?
Aetna health insurance plans for drug rehab in Texas differ between states and are usually divided into two types and three tiers. Health Maintenance Organization plans offer lower premiums and deductibles with set copays. Preferred Provider Organization plans have higher premiums and lower copays and coinsurance while also offering specialist and out-of-network visits without obtaining a referral. Different PPO tiers include Bronze plans, Silver plans, and Gold plans. Typically, Bronze plans cost less in premiums but have higher deductibles and will cost more in out-of-pocket expenses. Silver plans cost more in premiums but have lower deductibles. Aetna usually pays about 80% of the cost of care after the deductible. Gold plans cost the most in premiums but have the lowest deductible.
The first step is checking the health insurance plan and contacting the drug rehab center to check insurance coverage. Aetna offers a variety of plans tailored for everyone and plans vary based on location and personal needs. Families should access their health insurance as the first step to cover the cost of drug rehab. When searching for drug rehab centers in Texas, an addiction assessment helps because it evaluates the addict and recommends drug rehab centers. An addiction assessment is beneficial because it helps the family and addict determine what the best drug rehab options are and how health insurance can help cover some or all the costs.
What Type of Drug Rehab Does Aetna Health Insurance Cover in Texas?
The type of drug rehab options in Texas covered by Aetna health insurance depends on the health insurance plan and what coverage the families have. Aetna drug and alcohol rehab coverage may include detoxification, inpatient treatment, partial hospitalization, intensive outpatient treatment, and outpatient treatment services. Typically, services are based on medical necessity and may require a referral and prior authorization to be approved. Some health insurance programs have a special agreement with providers of vital services. These agreements make a specific type of care at a certain price, and in return, the health insurance plan agrees to provide referrals to the facility.
No one form of drug rehab is right for every person, and treatment settings and interventions should meet the needs of the addict attending the program. Residential drug rehab offers more counseling and therapy options. For example, this includes behavioral counseling, 12-step facilitation, nutritional therapy, holistic treatment, faith-based option, and non-traditional approaches. Health insurance plans usually cover something long-term or short-term, but this varies depending on the plan. Common services covered by health insurance include outpatient counseling and therapy, family therapies, hospital inpatient or partial hospitalization programs, and some short-term residential drug rehab.
Family Intervention for Drug Addiction in Texas
It is difficult to watch a loved one struggle with drug or alcohol addiction. Even if the family has arranged drug rehab through their health insurance provider, they still have to convince their loved one they need help. Family intervention in Texas motivates the addict to seek help for their drug or alcohol addiction. Someone struggling with drug addiction is often in denial about their situation and unwilling to seek treatment. Also, they may not recognize the negative effects their behavior has on themselves and others. With the help of a professional interventionist, the drug-addicted family member is presented with a structured opportunity to make changes before things become worse. The best way to plan and organize an intervention is with the help of a professional interventionist.
Family intervention is a carefully planned process that may be done by family and friends with the help of a professional interventionist. During an intervention, these individuals come together to confront the addict about their drug addiction and ask them to accept treatment. A family intervention provides specific examples of destructive behavior and their impact on their loved one with the addiction and family members. In addition, with the help of the interventionist, the family spells out what each person will do if the addict refuses treatment. A successful intervention must be carefully planned to work as intended.
Health Insurance and Drug Addiction Trends in Texas
According to the United States Census Bureau, in 2018, 17.7% of Texas residents were without health insurance. Also, approximately 61.8% had private health insurance, while 29% had public health insurance. Aetna health insurance covers some parts of drug rehab, and families should take advantage of their health insurance plans. Unfortunately, according to the Texas Behavioral Health Barometer, among people aged 12 or older in Texas between 2015 and 2017, 6.3% of residents had a substance use disorder in the past year. Aetna health insurance plans make it possible for more people to access the drug rehab they need.
Sources-
https://www.samhsa.gov/data/sites/default/files/cbhsq-reports/Texas-BH-BarometerVolume5.pdf
https://www.census.gov/library/stories/2019/11/state-by-state-health-insurance-coverage-2018.html
