Although addiction treatment is now considered an essential health benefit, health insurance providers don’t have to cover 100% of the costs. How much you have to pay depends on which plan you have. Some plans have no deductible, while others have an annual deductible of $1,000 or more. You may also have to pay coinsurance, or a certain percentage of the treatment costs. Therefore, the out-of-pocket costs of treatment may vary drastically from one plan to another.
If you have Aetna coverage, your plan may cover some or all of the following benefits:
- Inpatient/residential treatment
- Intensive outpatient treatment
- Outpatient therapy
- Family counseling
- Group counseling
Inpatient and residential treatment are similar, but there’s one key distinction: inpatient treatment occurs in a secure hospital unit, while residential treatment takes place in a comfortable environment that’s more like a home than a hospital or clinic. At Virtue at the Pointe, residential treatment typically lasts for 23 to 35 days, but it may last longer if you need additional support. When you arrive at our treatment center, you’ll undergo a thorough assessment to determine what services you need and how long you can expect your stay to last.
Intensive outpatient treatment typically takes place several days per week, while outpatient therapy may only occur on a weekly basis. Family and group counseling are used to help people with substance use disorders improve their communication skills, be assertive without being aggressive and develop coping skills that can help them abstain from drug and alcohol use.