Rehab Centers That Accept Aetna Insurance in New York
Aetna offers comprehensive addiction treatment coverage with a large provider network in New York. You have access to quality medical detox, residential treatment, intensive outpatient programs, and medication-assisted treatment. Aetna plans typically include Employee Assistance Programs (EAP) that may provide additional free counseling sessions. Network participation varies by plan - verify with Aetna before admission.
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Rehab Centers That Accept Aetna Insurance in New York
Featured 30 Centers Accepting Aetna
From 548 facilities that accept Aetna, we've highlighted 30 starting points based on clear criteria.
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Showing 30 of 548 total facilities accepting Aetna
What Aetna Covers
Aetna behavioral health benefits cover the full spectrum of addiction treatment. Most plans cover medical detoxification, residential rehabilitation (typically 28-30 days with possibility of extensions), intensive outpatient programs (IOP), and standard outpatient counseling. Medication-assisted treatment including Suboxone, Vivitrol, and naltrexone is covered under most plans.
Deductible Status
Whether you've met your annual deductible
Example range: $1,500-$3,000 (varies by plan)
Network Status
In-network vs out-of-network rates
Per-Session Costs
Copays or coinsurance amount
Example range: $25-$50 per session copay or 20% coinsurance
Level of Care
Inpatient vs outpatient rates differ
Get your exact costs: Call 1-800-232-5406
Common Plan Structures
- HMO:Requires in-network care, lower costs
- PPO:Can use out-of-network, higher flexibility
- EPO:In-network only, no referrals needed
- POS:Hybrid of HMO and PPO
Plan Source Matters
- Employer plan:Group benefits vary by company
- Marketplace:ACA plans with metal tiers
- Large in-network provider network
- Strong EAP (Employee Assistance Program)
- Covers out-of-network at reduced rate
- Mental health parity compliance
- Telehealth counseling available
- Case management support
- Prior authorization required for inpatient
- Must use in-network for best coverage
- Deductible can be substantial
- May limit inpatient days (30-60 typical)
What to Have Ready Before Calling
💡 Having this ready reduces call time and ensures you get accurate information
1Call Your Benefits Line
Call 1-800-232-5406 or the number on your card
1-800-232-54062Ask These Questions
- • What is my deductible and how much have I met?
- • What is my copay for outpatient therapy?
- • Does my plan cover inpatient treatment?
- • Do I need prior authorization?
- • General coverage information for the insurance plan
- • Whether a specific facility is in-network
- • Typical copays and deductibles for the plan
- • Prior authorization requirements
- • General admission process questions
- • Specific treatment history or records
- • Whether someone is currently in treatment
- • Details about their specific claims
- • Dates of service or diagnoses
- • Any personal health information
How to Talk to Insurance as a Family Member:
"Hi, I'm calling to understand what addiction treatment benefits are covered under [plan type]. I'm not asking about a specific person's claims, just what the policy covers in general." This approach gets you the information you need while respecting privacy laws.
Ask for a formal denial letter that includes:
- Specific reason for denial
- Policy section reference
- Appeal rights and deadlines
You have the right to appeal. Most insurers have 2-3 levels of appeals. The facility's billing team can often help you with this process.
- Different level of care (e.g., IOP instead of inpatient)
- In-network facility alternatives
- Single-case agreement for out-of-network
Federal law requires insurers to cover mental health and substance abuse treatment at the same level as medical/surgical care. If denied, ask if the same restriction would apply to medical treatment.
Frequently Asked Questions About Aetna
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