Coverage of Substance Abuse TreatmentAetna covers detoxification, inpatient, residential, partial hospitalization, and intensive outpatient programs.
Inpatient TreatmentAetna offers Gold, Silver, and Bronze plans on the Health Insurance Marketplace and HMO, PPO, and POS plans.
Outpatient TreatmentCovered in various settings including hospitals and residential treatment facilities.
Continuing Care SupportAetna offers weekly support groups and post-treatment therapy as part of its substance abuse treatment programs.
In-Network vs Out-of-Network ProvidersIn-network providers are less costly; out-of-network coverage is available but may involve higher out-of-pocket costs.
Coverage by Treatment TypeCovered in various settings, including hospitals and residential treatment facilities.
Plan TypesAetna offers Gold, Silver, and Bronze plans on the Health Insurance Marketplace, as well as HMO, PPO, and POS plans.
Overall ImpressionAetna provides comprehensive coverage for various forms of drug rehab, with the extent of coverage depending on the plan type and in-network versus out-of-network providers.
Aetna’s insurance coverage for drug rehab

Does Aetna Cover Rehab?

Yes, Aetna covers drug and alcohol addiction treatment as mandated by the Affordable Care Act (ACA). Coverage extent depends on the healthcare plan, state, and whether the facility is in-network or out-of-network.

Substance Abuse Treatment Services Covered by Aetna

Aetna offers comprehensive coverage for a variety of evidence-based treatment options:

  1. Inpatient Treatment: Semi-private room and board at licensed facilities.
  2. Detoxification: Medical detox, including treatment for complications like cirrhosis or delirium tremens.
  3. Outpatient Treatment: Services in hospitals or psychiatric hospitals, including partial hospitalization.
  4. Partial Hospitalization Program (PHP): Day treatment programs, up to 16 weeks.
  5. Intensive Outpatient Program (IOP): Structured programs, often including medical services and therapy.
  6. Medication-Assisted Treatment (MAT): Covers approved drugs for addiction treatment.
  7. Dual Diagnosis Treatment: For co-occurring mental health and substance use disorders.

Aetna Coverage by Treatment Type

All Aetna plans must cover some level of addiction treatment, which includes inpatient, detox, outpatient, PHP, IOP, MAT, and dual diagnosis treatments. The specific coverage details can vary between different plans.

Aetna Plan Types

Aetna offers various plans:

  • Bronze: Lower cost, higher deductibles, less overall coverage.
  • Silver: Moderate cost and coverage.
  • Gold: Highest premiums, most comprehensive coverage.

Plans are available as Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), or Point of Service (POS) types.

In-Network vs Out-of-Network Providers

  • In-Network: Lower costs, only deductible or coinsurance required.
  • Out-of-Network: Higher out-of-pocket expenses and coverage calculated by Aetna.

Paying the Difference

Even with Aetna coverage, there may be copayments and services not covered by the plan, requiring out-of-pocket payments.


Understanding your Aetna insurance coverage for drug rehab is crucial in making informed decisions about treatment. Aetna offers extensive coverage, but the specifics depend on your plan and treatment type. Always verify coverage details with Aetna before committing to a treatment program.

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