What Does My Aetna Insurance Policy Cover?
Aetna’s dedication to providing consumers with quality care is great, but what exactly is covered under their insurance policy? It depends on what type of policy you are personally enrolled in. Aetna has many different types of insurance policies, all of which come with different levels of coverage and care. So, if you already have a policy with the company, you’ll want to be sure to check what kind of coverage your plan provides you with.
If you aren’t sure what type of coverage your personal Aetna plan will cover, it is important that you get in contact with the company to find out, especially if you are looking into enrolling in a drug and alcohol treatment program soon. Depending on your specific policy, your addiction treatment may be covered in either full or partial amounts. If you are unsure where to start looking for specific information on your plan, you can either call the company or try visiting their member login website. Otherwise, Aetna insurance plans typically include:
Extremely affordable, but limiting. Clients can only work with physicians in the network of this plan, and typically do not suffer from any chronic or severe conditions.
Are also affordable, but allow clients the chance to work with healthcare physicians that are out of the network’s coverage. This type of coverage is a little more expensive than the first, but also allows clients the opportunity to work with specific specialists they may need for some chronic conditions.
A less commonly known insurance type that limits clients to working with in-network care systems only, but has a larger network available to clients than an HMO plan. Has a larger national network for clients to work with, especially if they need to see a specialist for a specific condition they have.
Also known as “the plan with the most freedom”, this plan is pricier than the previous ones mentioned, but always clients to work with both in-network and out-of-network providers.
HDHP with HSA plans
These types of plans can operate in a multitude of ways, but typically involve lower premium costs, but have higher out-of-pocket expenses for clients to work around. This kind of plan works best for an individual who is managing a chronic health condition but cannot afford high monthly premiums.
Many Aetna insurance policies and their affiliates are primarily Medicare developed plans (that also offer Medicaid policy options) that work to provide individuals, companies, and providers with a well-rounded network of quality care professionals. Each policy plan varies a bit from each other in terms of which types of treatments they cover, and if you have more questions, you can always call Aetna, or visit their webpage to obtain more information about their policies and your personal coverage. But overall, if you have an insurance policy with Aetna, you can expect:
- Prescription drug coverage
- 24/7 access to your personal plan and coverage through the Aetna website
- Assistance with your personal concerns and questions
- Patient confidentiality on both state and federal levels
- Access to participating, in-network providers and services
- Treatment coordination
- National coverage
- Management of your personal healthcare case