Save Money by Staying In-Network
Aetna offers great advice about how to make the most of your health insurance coverage for drug treatment and addiction rehab.
First, choose an “in-network” drug treatment provider. Whether your coverage is Blue Cross/Blue Shield, Anthem, Aetna or another carrier, most insurance companies can give you a list of drug treatment facilities that are considered “in-network” under your insurance plan. Usually, you can find specifics about your plan by calling the toll free number on the back of your card or going to the company’s website.
Aetna explains that “in-network” means
A network is a group of health care providers. It includes doctors, specialists, dentists, hospitals, surgical centers and other facilities. These health care providers have a contract with us. As part of the contract, they provide services to our members at a certain rate. This rate is usually much lower than what they would charge if you were not an Aetna member. And they agree to accept the contract rate as full payment. You pay your coinsurance or copay along with your deductible.
Some health insurance plans will cover drug addiction treatment that you receive from an “out-of-network” provider, but the coverage is at a lower rate – which means you would pay a higher percentage of the cost. Always check with your health insurance carrier to see if your plan does cover out-of-network providers and, if so, what cost difference that creates for you.
While health insurance carriers probably prefer that you research the details of your benefits on the company website, it can often be easier to just call the toll free number. Frequently, when a new treatment provider joins your network, it might take a while for the insurance company’s website to be updated. If you don’t see a recommended drug rehab listed by your insurance company online, don’t be discouraged. Just call the toll free number for the most up-to-date list of in-network options. Most companies, like Anthem, have an
extensive provider network (that) includes psychiatrists, psychologists, social workers, psychiatric nurses, and other mental health and employee assistance providers. The facility network includes hospital inpatient units, residential treatment centers, partial hospitalization programs, and intensive outpatient services and programs.
Many people are hesitant to make that call because of the stigma attached to addiction or a concern that by disclosing a need for drug treatment they may provoke an increase in premiums. Anthem and other companies are sensitive to these concerns and many offer confidential help lines for mental health, substance misuse, addiction, and behavioral health questions. Anthem reassures its policy holders that
When you call our confidential help line, a behavioral health care professional will review your plan’s coverage and help you access your benefits to the fullest extent.
The first step to researching your addiction treatment options AND coverage is to make that call. Just look on the back of your card. Whether you are covered by Blue Cross/Blue Shield, Anthem, Aetna, or another major insurer, there is a confidential help line staffed by people who will walk you through your in-network options and coverage.
Recovery starts with the willingness to reach out and ask for help.