Social stigma and personal feelings of fear and shame often contribute to a reluctance to seek mental health treatment. Limited access to care is another common barrier to treatment. For many, financial limitations and the cost of treatment are the biggest hindrances to getting the help they need and deserve. Mental health disorders require treatment just like any physical illness does. At Harmony Hills, we accept Aetna rehab insurance coverage for mental health.
Understanding your insurance coverage can be complicated, especially if you are in a mental health crisis. Aetna is one of the oldest and largest insurance companies, providing coverage for millions. If you are unsure about what treatment your Aetna plan covers, we can help. Our intake specialists are well versed in working with Aetna to determine your level of coverage, make treatment more affordable, and allow your focus to remain on getting better. Contact the Harmony Hills team now by calling 855.494.0357.
Understanding Insurance Coverage for Mental Health
All health insurance providers are required to provide coverage for mental and behavioral health, as required by the Affordable Care Act (ACA) of 2008. This requirement goes further than just mandating coverage.
Before the ACA, many insurance providers established limits on access to mental health care that was more restrictive than physical health care. Parity laws remove these limits by requiring that insurance companies cover mental health and substance use at the same level as medical needs. If you have a condition that has an official diagnosis in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5), your insurance provider must offer coverage.
Your Aetna insurance can provide inpatient or outpatient treatment, medications, and various therapy options. Your particular policy and state determine your specific coverage, so it is essential to talk with your Aetna representative. Alternatively, your Harmony Hills case manager or intake specialist can help you navigate this process.
Questions to Ask About Your Insurance Coverage
Your description of plan benefits should include information about behavioral health services or coverage for mental health and substance use disorders. Following are some essential points to consider when determining your coverage:
- Provider networks – Most insurance companies have a list of in-network providers. Using an out-of-network provider will cost you more money out-of-pocket. You should be able to find a complete list of in-network providers on your insurance company’s website. Harmony Hills is in-network with Aetna.
- Copays – A copay is what you pay out-of-pocket for a service. For example, you may pay $20 to see your doctor while the insurance pays the rest. Parity laws prohibit mental health copays from being more than medical copays.
- Deductibles – A deductible is an amount you must pay before the insurance payments begin. Deductibles can range from $500 to $5000 or more. It is essential to know your deductible to pay for your mental health treatment portion.
- Providers – Be sure the provider you are considering accepts your insurance and find out if they bill the insurance directly or if you have to pay upfront and submit a claim to get reimbursement.
Understanding the ins and outs of insurance coverage for mental health can feel overwhelming, but help is available at Harmony Hills. We work closely with Aetna insurance and others to ensure you get the best coverage possible for your mental health treatment.
Reach Out to Harmony Hills with Your Aetna Insurance Questions
Harmony Hills is committed to improving the lives of our clients and their families through the most current, science-based, integrative treatment approaches in a safe, compassionate, supportive, and healing environment. We treat a range of mental health disorders, including:
- Anxiety disorders
- Bipolar disorder
- Borderline personality disorder
- Schizoaffective disorder
- Co-occurring disorders
If you or your loved one is ready to overcome the challenges of a mental health disorder or dual diagnosis, reach out to the Harmony Hills team today. Take the first step to recovery by calling 855.494.0357. Our team is available around the clock.