Aetna Insurance Coverage for Drug and Alcohol Rehab

Does Aetna Insurance Cover Drug or Alcohol Rehab?

Aetna drug rehab coverage depends on a member’s particular Aetna health plan and the addiction treatment provider they choose. There are many rehab centers that take Aetna insurance, including American Addiction Centers’ Recovery First Treatment Center in Hollywood, Florida; River Oaks Treatment Center outside of Tampa; Oxford Treatment Center in Etta, Mississippi; Greenhouse Treatment Center in the Dallas-Fort Worth area of Texas; and Desert Hope Treatment Center in Las Vegas. At AAC, we are in-network with Aetna health insurance and offer different levels of care for those with substance misuse issues and addiction. We are in-network with many insurance companies, including Aetna, which means that your addiction treatment could be covered fully or partially depending on your policy.

Does Aetna Cover Mental Health and Substance Abuse Treatment?

To learn more about your Aetna substance use and mental health coverage, you can access the online program that allows you to view your coverage details, make claims, search for providers, and much more.⁶

Simply logging in gives you access to a wide variety of resources for Aetna users. You can also visit the Find a Doctor portion of their website to search for providers.⁷ You can find information on all types of providers there, including professionals and centers that treat substance misuse and substance addiction.

For mental and behavioral health problems, you are given access to psychiatrists, psychologists, counselors, therapists, social workers, psychiatric nurse practitioners, and primary care doctors.⁸ In many cases, mental health problems can co-occur with substance use, so it is important to address mental health concerns if you are seeking care for substance misuse and addiction.

Use the search form below to find out if substance addiction treatment is covered by your insurance with us.

Does Aetna Cover Outpatient Rehab?

Outpatient treatment includes a range of services and care levels based on the American Society of Addiction Medicine’s (ASAM) continuum of care. Basic outpatient services are level 1 within ASAM’s levels of care, which range from .5 to 4. However, level 2 (including 2.1 and 2.5) is also considered outpatient services, and these levels include intensive outpatient programs (IOPs) as well as partial hospitalization programs (PHPs).¹⁰

With traditional outpatient rehab, patients stay in their own residences but attend individual and group treatment sessions at a healthcare, mental health, or treatment facility. Level 1 treatment typically involves fewer than 9 hours of services per week.¹¹

With IOPs, services are similar to Level 1 outpatient services, but they’re on a more intense scale.¹² Again, patients live at home and attend treatment during the day, in the evenings, or on the weekends at a treatment facility. PHPs, on the other hand, are often considered the midway point between inpatient and outpatient care.¹³ They provide slightly less-intenstive care than an inpatient rehab, but higher levels of care than a traditional outpatient program.¹⁴

Thanks to the Affordable Care Act (ACA), all health insurance coverage (except grandfathered plans) must offer substance use disorder and mental health services. Plus, any plan purchased through the HealthCare.gov Marketplace can’t have a cap on the amount of substance use or mental health treatment covered.¹⁵

As such Aetna plans provide coverage for substance use disorders. However, the scope of that coverage is dependent on the specific plan you have as well as whether your chosen provider is in-network or out-of-network with Aetna.

American Addiction Centers’ various facilities offer a host of outpatient services, ranging from detox and inpatient treatment to the aforementioned outpatient care, PHP, and IOP services. Specific facilities provide aftercare options as well.

When it comes to Aetna IOP coverage and Aetna’s outpatient drug rehab coverage, the best way to determine how much you’ll pay is to contact Aetna directly or reach out to us at and allow us to verify your insurance benefits for you.

Does Aetna Cover Therapy?

Aetna and other insurance companies typically cover individual therapy, such as cognitive-behavioral therapy (CBT) for substance use disorders. The amount of coverage depends on a person’s specific health insurance plan and their chosen therapist.

How to Check Aetna Rehab Coverage

Aetna health insurance has many different insurance plans with different levels of coverage. Depending on your plan, your addiction treatment could be covered. AAC has facilities across the country, offering different levels of care. To learn more about AAC’s rehabilitation options and Aetna addiction treatment coverage, give us a call at Or you can verify your insurance by filling out the form below.