Behavioral Health Centers is a Rehab that Accepts Aetna Insurance for Mental Health or Addiction Treatment

Aetna Insurance provides health care coverage for beneficiaries in more than 15 states across the U.S. under a variety of health plans. Plans include coverage for drug and alcohol rehab, and the company's policies are accepted by a variety of treatment centers throughout the country. Florida-based Behavioral Health Centers is a rehab that accepts Aetna insurance where we offer addiction and mental health treatment programs. If you're insured by Aetna, you may be eligible to have a portion of your substance abuse treatment costs covered by your plan.

Verify Your Benefits

What is your addiction really costing you? Getting clean is within your reach. Behavioral Health Centers (BHC) is here to help.

Your insurance may cover all or some of your rehab at a BHC facility.

About Aetna's Substance Abuse Coverage

As a mental health disorder, American insurance providers are required to provide substance abuse disorder coverage by the  Affordable Care Act, as well as the Mental Health Parity and Addiction Equity Act. As such, Aetna's health insurance plans do include coverage for drug and alcohol rehab. However, it's important to note that the amount of coverage does vary from plan to plan, so patients should expect to pay some out-of-pocket costs for their treatment. Additionally, while some plans only include detox, others cover both detox and ongoing rehabilitation services.

Aetna Insurance

At Aetna, some policies cover out-of-network providers, but as with all plans, it's important to check with your administrator to find out what's covered. In some cases, authorization from a health care provider or pre-certification might be required before coverage is authorized. Pre-certification is conducted by Aetna to confirm that treatment is provided by qualified addictions counselors and medical professionals.


Aetna rehab coverage may be under a Health Maintenance Organization (HMO) or Preferred Provider Organization plan through an employer. Alternatively, Aetna also administers Medicare and Medicaid plans with support from the federal government for seniors, disabled persons and low-income individuals. The coverage you have will vary depending on which type of Aetna plan you have, as well as a variety of other factors, including the services you need during your stay and how long your treatment plan is.


In the information that follows, you'll learn more about accessing addictions treatment at Behavioral Health Centers while using your Aetna health insurance plan. If you have questions about your coverage or other ways to pay for our services, our representatives are always available to help you access the treatment you need and make recommendations for other resources that may be available to help you pay.

Making Sense of Insurance

While understanding your unique Aetna rehab coverage is important, there are several common insurance terms you may need to understand first. These include:



Once coverage kicks in, this is the amount you need to pay for each health care service. For example, if your coinsurance rate is 30%, Aetna will require you to pay 30% of all covered costs while your policy pays the remaining 70%.


The amount of out-of-pocket health care costs you need to cover each year before your policy begins to cover you.

Out-of-pocket maximum:

This is the limit on how much your policy requires you to pay before your plan will cover the total cost of your health care services.


The premium is the monthly or annual amount you pay to your insurance provider for coverage.

Aetna Rehab Coverage: Medicare Plans

Aetna provides a variety of  health insurance options for those who are qualified for Medicare coverage. These plans may be HMO or PPO plans, and while they do vary depending on where you live and which plan you select, you can expect deductibles and premiums to be relatively low. Plans may include medical coverage, prescription coverage or both.


As with all Medicare plans, Aetna's coverage includes primary and hospital care as well as specialized services, such as drug and alcohol detox. Although each plan's coverage is different, most of Aetna's Medicare plans include drug and alcohol detox, inpatient addiction treatment and individual and group therapy sessions when required as part of an authorized mental health treatment plan.


It's worth noting that Medicare plans are typically only offered for those aged 65 and older, as well as those with end-stage renal disease or other severe disabilities.

Verify Your Benefits

What is your addiction really costing you? Getting clean is within your reach. Behavioral Health Centers (BHC) is here to help.

Your insurance may cover all or some of your rehab at a BHC facility.

Aetna Group Insurance Plans

Aetna is one of the country's largest group insurance providers. It offers a broad range of plans for businesses of all sizes, ranging from small companies that employ fewer than 10 people up to enterprise-sized businesses with hundreds or even thousands of employees. As such, you can expect coverage to vary based on a variety of factors, including the size of your company, the plan your employer has chosen and where you live.


To provide you with an idea of what Aetna may have available, we'll look at one of the company's most common group insurance policies: the Basic HMO Co-Pay Plan 1. This plan is designed to meet the needs of smaller businesses. It comes with a $2 million lifetime maximum benefit and out-of-pocket maximums of $5,000 for single policyholders or $10,000 for families. Substance abuse treatment is covered to a lifetime maximum of $2,000 and is subject to a $750 co-payment per day for inpatient care or a $25 co-payment per visit for outpatient care. Outpatient care is covered to a maximum of 44 visits.

What Else to Know About Aetna's Coverage for Substance Abuse Treatment

When it comes to mental health services, including drug and alcohol addiction treatment, most Aetna plans require your primary care physician to authorize your treatment. Aetna will also conduct a review of your treatment plan prior to authorizing coverage.


When accessing care, Aetna plans that include a co-payment require you to pay your portion at the time of treatment.


If you need help navigating your insurance policy to determine what you're covered for, reach out to speak with one of our representatives today.

Get Help Today

Don't let the cost of substance abuse treatment deter you from getting the help you need. At Behavioral Health Centers, we're committed to taking every step necessary to ensure your treatment is accessible and affordable. If you or someone you love is struggling with an addiction to alcohol or drugs, reach out today and take the first step in your recovery journey.

Unity Behavioral Health, Unity Recovery Center and Behavioral Health Centers have consolidated!

Unity Behavioral Health, Unity Recovery Center and Behavioral Health Centers have consolidated treatment and alumni programs. If you or a loved one are looking for help, please contact us to receive the same excellent treatment and beautiful locations you have come to know and love.