Aetna Insurance Coverage for Addiction Treatment

Aetna Insurance was established in 1853 in Connecticut and now provides coverage to members across the country, including Florida. In addition to traditional healthcare plans, Aetna also offers Medicare and Medicaid coverage.¹ Coverage for addiction treatment through Aetna varies based on your specific plan, but you can expect some level of support. This page will help you learn more about using Aetna for addiction treatment services.

Does Aetna Cover Drug & Alcohol Rehab?

The Affordable Care Act (ACA) mandates that all long-term health insurance plans offer some level of coverage for substance abuse treatment, as it is classified as an essential benefit.² 

However, Aetna’s coverage for drug rehabilitation varies based on your specific health insurance plan. It’s important to check with your insurance provider to gather all the necessary details regarding your options for treatment.

To learn more about your insurance coverage for rehab and to verify your treatment benefits, please fill out the form below.

There are several common types of health insurance, each with its own requirements regarding Aetna coverage for addiction treatment.

If you have a health maintenance organization (HMO) plan, you’ll need to choose a primary care provider (PCP). In most cases, you will require a referral from your PCP to access specialized treatment, such as drug rehabilitation. This will allow you to select from Aetna’s in-network inpatient rehab facilities.

On the other hand, a preferred provider organization (PPO) plan gives you the flexibility to use any provider, including those outside of Aetna’s substance use rehab network. However, be aware that out-of-pocket costs will be significantly higher for out-of-network care. While referrals are not necessary for treatment, it’s advisable to check with your insurance company beforehand to ensure you understand all requirements.

Other types of insurance may impose different restrictions regarding the use of in-network providers or the need for a referral from your primary doctor. Be sure to fully understand your plan before proceeding with treatment.

What Types of Addiction Treatment Does Aetna Cover at River Oaks?

Aetna substance abuse coverage offers a variety of treatment options tailored to your needs. Whether you’re seeking inpatient rehab near Tampa or outpatient support, River Oaks has programs to accommodate you.

Most alcohol and drug treatment starts with detoxification. In some cases, detox can safely be done through an outpatient program, while in other instances, inpatient admission may be necessary. This decision depends on factors such as the type of substance used, the duration of use, and your overall mental and physical health.³

Aetna may cover a range of rehabilitation programs and levels of addiction treatment at River Oaks, including:

• Detox.
• Inpatient treatment.
• Partial hospitalization programs (PHP).
• Intensive outpatient treatment.
• Outpatient treatment.

What are the different types of treatment? Inpatient treatment involves residing at the rehab facility full-time, with round-the-clock medical support. Outpatient treatment requires attending therapy several times a week. A PHP typically involves treatment at the facility for 4 to 8 hours each day, with evenings spent at home.⁴

After completing your rehabilitation program, continuing care is essential. Aetna recognizes the importance of aftercare, and River Oaks offers continuing care, 12-step meetings, and alumni programs to support your recovery journey.

Cost of Substance Abuse Treatment with Aetna Insurance

The cost of attending a rehab program with Aetna insurance will vary based on your specific plan. Most insurance policies include a deductible that must be met before coverage begins. Typically, you will need to pay any remaining deductible for the year when enrolling in rehab. Additionally, there may be other out-of-pocket expenses, such as copayments or coinsurance.

Assistance is available to help cover these out-of-pocket costs. By using Aetna for substance abuse treatment, you can explore various rehab payment options, including flexible payment plans.

How to Use Insurance to Pay for Rehab at River Oaks

To get the addiction treatment help you need, follow these steps. First, call the number on your Aetna member ID card—support is available 24/7.⁵

You’ll collaborate with both your healthcare provider and the care team to set goals and develop a personalized plan. This process includes exploring treatment options, such as those offered at River Oaks. Once you choose a program, you’ll begin your journey toward sobriety, equipped with a range of tools and resources.

Achieving sobriety can be challenging, so having a reliable support team is crucial. The staff at River Oaks is here to assist you and answer any questions you may have. You don’t have to go through this process alone. Contact us at for more information and start treatment today.