This means that alternative treatments that have not been properly studied may not be covered. Furthermore, it also needs to be clinically proven to be effective. To be covered by Aetna, a depression or other mental health treatment usually needs to be prescribed by your physician. In addition to standard therapy and medication, Aetna will also cover some alternative treatments and other helpful procedures. Your doctor may also recommend various medications that your insurance for mental health treatment will also usually cover. Aetna will cover your treatment with a therapist who can learn more about your challenges and recommend further treatments. For most mental health disorders like depression, talk therapy is the starting point. Most of Aetna’s covered treatments are divided into three categories. What Sorts of Treatment Will Aetna Cover? This will be where you meet with your primary care physician and get them to refer you to a mental health specialist. For most mental health coverage, the first type of approval you need is a referral. There are a few different treatment approval methods used by Aetna. If you want Aetna to assist you with coverage, you may need to get their approval first. Keep in mind that Aetna usually does not allow its members to just get whatever medical care they want and then request reimbursement afterward. How to Get Aetna to Approve Your Treatments They have an online cost estimator tool that lets you know how much coverage your plan gives for various treatments. To find out the exact cost of treatment, you should login to your Aetna account. Since costs vary so much depending on what plan you have, it is important to go over your plan carefully. Furthermore, Aetna has special deals with many healthcare providers, so your out-of-pocket costs per visit is still less than an uninsured person would pay. In these cases, the costs still go towards meeting your deductible, and Aetna will cover costs after your deductible is reached. Keep in mind that some Aetna plans may not have a copay or coinsurance for mental health care. Once all of your healthcare costs for the year reach the deductible amount, Aetna will cover the rest of your care. Typically, you have to pay at least some of the cost for mental health care until you reach the deductible for your plan. Coinsurance is similar, but instead of being a specific dollar amount, it is a specific percentage. A copay is a set amount of money you pay for each doctor’s visit or prescription medication. Some people have a plan with copays or coinsurance. The precise amount of coverage you get will depend on your Aetna plan. Understanding How Much Your Aetna Plan Will Pay For This means insurance for mental health treatment can cost slightly more than a general checkup visit, but you still get some assistance with the costs. Under most Aetna plans, mental and behavioral health treatment is defined as a type of specialist treatment. As long as your treatment is in-network, Aetna will cover it. Your insurance company cannot deny you coverage because you have a mental health condition, and they cannot refuse to cover care for any diagnosed condition. Legally speaking, mental health conditions are treated just like any other condition. Thanks to the Affordable Care Act, Aetna and other health insurance companies are legally required to cover care for mental health conditions like depression, obsessive compulsive disorder, and generalized anxiety disorder. Regardless of what plan you have with Aetna, they will cover some or all of your costs associated with mental health care. Does Aetna Health Insurance Cover Mental Health Care?Īetna is a health insurance company with a wide range of plans, including individual plans, business plans, Medicare, and Medicaid.
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