Call American Addiction Centers for help today.

(888) 287-0471
Close Main Menu
Main Menu
  • Find a Rehab Center
  • AAC Facilities
  • Find Treatment
  • Paying for Treatment
  • Substance Abuse
  • About AAC
    Back to Main Menu
    Main Menu

Aetna Arizona Insurance Coverage for Drug and Alcohol Rehab Treatment

On this page, you will learn about Aetna Arizona health insurance coverage for substance abuse treatment and how to confirm what benefits are available under your specific plan.
american addiction centers photo
If you or a loved one are experiencing a medical emergency, call 9-1-1 immediately.
AETNA Arizona COVERAGE FOR DRUG AND ALCOHOL REHAB PROGRAMS

Provider Overview

Aetna Arizona: Rehab & Detox Centers in AZ That Take Aetna Insurance

Arizona is a state located in the southwestern region of the United States. Famous for the Grand Canyon, tourists and locals alike visit this wonder of the world every year. Though perhaps best known for its hot desert dotted with cacti, Arizona has the largest stand of evergreen ponderosa pine trees around the globe.1 The state’s largest cities include Phoenix, Tucson, Mesa, and Scottsdale.1

Over 7 million people call Arizona home, but, unfortunately, many residents struggle with abuse and overuse of substances like drugs and alcohol.1 Addiction to drugs and/or alcohol is known as substance use disorder.

  • Nearly 5% of Arizona residents have alcohol use disorder (279,000 people).2, p 25
  • 8% of Arizona residents have substance use disorder (404,000 people).2, p 26
  • More than five people die every day in Arizona from an opioid overdose.3
  • Among Arizona residents enrolled in substance use treatment, 42.9% received treatment for a drug problem, 16.3% received treatment for an alcohol problem, and 40.9% were in treatment for both drug and alcohol abuse.2, p 28

Like in many other states, substance misuse is a public health issue in Arizona. The misuse of drugs and alcohol has a tremendous impact on individuals, families, and communities. Motor vehicle accidents, risky sexual behaviors, poisonings, and overdoses are some of the many consequences of substance abuse.4

It doesn’t have to be this way. Rehab facilities in Arizona and throughout the country can provide evidence-based treatments to help you or your family member overcome addiction and support your long-term sobriety.

Continue reading to learn more about Aetna insurance coverage for Arizona drug and alcohol rehab centers.

Does Aetna of Arizona Insurance Cover Inpatient Alcohol and Drug Rehab Centers?

Yes, Aetna of Arizona provides coverage for inpatient and outpatient rehab as well as other substance use disorder treatments.5 Your plan should help cover the costs of some, if not all, of the costs of addiction treatment. Exactly what is covered and how much is covered depends on the specific Aetna plan you have.

As an Aetna member, you have many treatment options to choose from. Although your health insurance company may not be the first thing that comes to mind as you consider what treatment is best for you and how to find treatment, Aetna provides thoughtful and caring support to members struggling with substance use disorders. Calling Aetna is one of the best ways to understand what your insurance plan will cover when it comes to treatment costs, too.

Simply call the number on the back of your insurance member ID card to speak with a customer service agent. Let them know you’re calling to find out about coverage for addiction treatments. They can connect you to local rehab facilities that accept Aetna insurance, help you come up with your care plan goals, and follow your progress to ensure you are getting the support you need during your rehab.5

You can also call American Addiction Centers at . Our admissions navigator can verify your insurance for you on the phone and answer all of your treatment-related questions. We’re also happy to connect with you here on our website using our online chat feature (bottom right of the screen) to help verify your insurance and answer any of your questions. Short on time? Simply fill out our 2-step form with your contact and insurance information. We’ll email you within minutes with details about your insurance plan coverage for addiction treatments.

Remember: coverage for addiction treatments varies depending on the specific Aetna plan you have. Rest assured that at least part of your treatment costs will be covered, thanks to the Affordable Care Act (ACA).6 This law mandates that all private health insurance companies must provide at least partial coverage for substance use disorder treatments. This can give you the peace of mind to know that getting the treatment won’t be an impossible financial feat.

What Is Aetna of Arizona?

Founded in 1853, Aetna has been providing individuals, employers, and healthcare professionals with innovative and beneficial health care benefits, services, and products.7

Nearly 39 million Americans trust Aetna for their health insurance coverage. With a wide range of insurance plans, programs, services, tools, and information to help you make informed healthcare decisions, Aetna is there for its members every step of the way.8

In Arizona, Aetna operates by the name Banner|Aetna.9 The organization is a partnership between Banner Health and Aetna. Banner is a nationally recognized health system, and Aetna is a leading health insurance benefits company in the United States.9

Banner|Aetna offers health insurance plans to residents of Maricopa, Pinal, and Pima counties on the state’s healthcare exchange.9 The company is focused on bettering member health outcomes at a lower cost while improving the member experience in Arizona.9

Banner|Aetna’s health insurance plans include:8

  • Medical, pharmacy, and dental plans
  • Medicare plans
  • Medicaid services
  • Behavioral health services and programs
  • Medical management

What Substance Addiction Does Aetna AZ Rehab Treatment Centers Cover?

If you’re concerned about your substance abuse or misuse, rehab treatment can help you on the road to recovery. Rehab facilities in Arizona and surrounding states can provide you with the evidence-based treatments you need to improve your mental and physical health, without drugs and alcohol.

Your Aetna Arizona health insurance policy may be able to help cover some, if not all, of the costs of your treatment for addiction to substances including:

  • Alcohol
  • Marijuana
  • Heroin
  • Opioids
  • Crystal meth
  • Prescription drugs

Call the number on the back of your Aetna insurance card to speak to a customer service agent. They can walk you through the details of your plan and help you determine the best treatment options for you.

How Much Does Aetna of Arizona Cover (Addiction Treatment)?

Banner|Aetna Arizona will provide at least partial coverage for most addiction treatments. Consider each of the following before choosing a treatment program:

  • The substance(s) you are misusing
  • How long you’ve been using
  • Whether you’ve gone to rehab in the past
  • If you want to live at home or at the treatment center
  • Whether you have other mental health conditions that require treatment

Addiction treatments Aetna may provide coverage for include:10

Medication-assisted detoxification. Drug and alcohol abuse can often lead to physical dependency. If you are physically dependent, your body will go through withdrawal symptoms when you stop. Medication-assisted detox uses prescription medications to help you safely withdraw from substances and reduce uncomfortable symptoms of withdrawal. This is usually the first step in a person’s journey to recovery.

Inpatient/residential rehab. Inpatient rehab programs, also known as residential treatment, provide you with a place to live while you are going through treatment. Various therapies are provided, including group and individual therapy to help you understand addiction and learn healthy coping mechanisms to support your recovery. Psychiatric conditions such as depression and anxiety may also be addressed in an inpatient rehab program.

Partial hospitalization programs (PHP). PHP programs allow you to live at home while in treatment. These programs are held during the daytime hours that last anywhere from 4-8 hours each day. These programs offer a high level of support to help you work through any stressors you experience while living at home and provide a supportive environment for you to learn how to cope and stay sober.

Outpatient treatment. Outpatient programs vary widely in terms of the required time commitment. You can live at home while in an outpatient program. Most take place in the evening hours, approximately 10-12 hours each week. These programs are often attended by those who have completed an inpatient rehab program and would like to receive ongoing support.

Intensive outpatient (IOP). IOP programs are time-intensive—they met 3-5 days a week for several hours at a time, typically in the evening hours. This program allows you to work and take care of family responsibilities during the day and attend your IOP program at night. In IOP you will receive peer and professional support as you navigate your recovery.

Call the number on the back of your insurance card to speak with a Banner|Aetna member services agent and learn about the details of what your plan covers for addiction treatments.

Does Aetna of Arizona Insurance Cover Mental Health Care?

Yes, Aetna Arizona will provide coverage for some, if not all, of any mental health treatments you receive. The Affordable Care Act (ACA) mandates that all insurance companies must provide at least partial coverage for mental health care.11

If you struggle with addiction and have a mental health condition it’s important to know that nearly 50% of all people with substance use disorder also have a co-occurring mental health diagnosis, such as anxiety, ADHD, depression, bipolar disorder, and PTSD. 12, 2nd para

Known as a dual diagnosis, people with mental illness are twice as likely to turn to drugs and alcohol to self-medicate, reduce their symptoms, and cope.13 If you have a dual diagnosis, there are rehab centers in Arizona that can provide treatment for both conditions at the same time. These facilities offer integrated, comprehensive care to address and treat all of your mental health concerns.

Your Aetna Arizona plan will provide coverage for some, if not all, of these dual diagnosis treatments. The amount of coverage provided depends on your specific plan.

How Long Does Aetna of Arizona Insurance Cover Inpatient Alcohol and Drug Rehab Programs?

How long you stay in an inpatient alcohol and drug rehab program depends on your treatment needs. The substances you’re using, the severity of your substance use and addiction, dual diagnosis status, and your personal preferences are all factors that are considered when determining how long you should be in treatment.

When you enter treatment, staying and completing your program can help set you up for success and long-term recovery. Research shows that people who stay in treatment for 3 months or longer have better outcomes—improved chances of long-term sobriety and an overall improved sense of well-being. 14, bullet 5

How long your insurance plan will provide coverage depends on the plan you have. Call the number on the back of your insurance card to speak with someone at Aetna to learn more about your plan’s coverage for inpatient rehab, including how long coverage is provided.

What if My Aetna of Arizona Policy Does Not Cover an Inpatient Drug Rehab Program?

As an Aetna Arizona member, at least some of the costs of your stay in an inpatient drug rehab program will be covered by your health insurance plan. You should anticipate some out-of-pocket expenses for treatment, no matter what type of plan you have. These expenses include meeting your deductible and any copays and coinsurance you are responsible for paying.

If you require financial assistance to cover your share of treatment costs, there are options to help you pay, including:

  • Fundraising and crowdfunding. Your family members and friends may want to show their support while you are in rehab and may provide financial assistance.
  • Financing options and payment plans. Many rehab facilities allow you to pay back your costs over time.
  • Scholarships and grants. Rehab facilities as well as some local government agencies provide scholarships and grants to individuals who can demonstrate a financial need.

Getting treatment now is the most important step in your life — the finances can be worked out. Knowing your insurance plan will at least cover some of the costs of your inpatient rehab stay should help give you peace of mind.

Aetna of Arizona In-Network vs. Out-of-Network Inpatient Drug Rehab Centers

As you consider your inpatient drug rehab center options, it’s important to look for a rehab facility that is in-network with Aetna.

Rehab centers that are in-network with Aetna have an agreement with the insurance provider to offer all addiction treatments and services at a discounted rate. This means that getting insurance coverage at these facilities should go smoothly, and your out-of-pocket expenses will be considerably lower.

Out-of-network providers do not have an agreement with Aetna and therefore do not provide addiction treatments at a discounted rate. If you attend rehab at an out-of-network provider, your plan may cover less of the costs or none at all, depending on the restrictions of your plan.

Call the number on the back of your insurance card to ask for referrals to in-network rehab centers. You can also call the rehab center directly to ask if they are in-network with Banner|Aetna.

How to Find Aetna of Arizona Covered Inpatient Drug Treatment Centers in AZ?

Aetna Arizona has a large network of rehab centers and addiction treatment programs that are in-network. These centers have been carefully screened for quality of care, adherence to modern principles of treatment, and thorough follow-up and support.

You can also use our search tool to find treatment centers in Arizona. Search by location, insurance, substances used, and treatment types to find a center that suits your needs.

American Addiction Centers has inpatient drug treatment centers in Arizona and surrounding states. For example, Laguna Treatment Hospital, located in Orange County, California is a leading substance use disorder rehab facility that may accept Aetna Arizona insurance policies.

Laguna Treatment Hospital provides evidence-based, high-quality addiction treatments — including inpatient rehab. When you attend Laguna Treatment Hospital, you will get personalized care in a supportive, secure environment.

If you want to stay closer to home, Desert Hope Treatment Center is located in Las Vegas, Nevada. As a premier drug and alcohol detox and rehab facility, Desert Hope will provide an individualized treatment plan designed to meet your needs.

How to Read Your Insurance Provider Card
american addiction centers photo
  • 1Insurance Provider Name
  • 2Policy Member's Full Name
  • 3Policy Membership/Subscriber ID
Local Alcohol Rehab Near Me
Local Opioid Rehab Near Me
Sources
  1. (2022). Arizona state.
  2. (2020). Behavioral health barometer Arizona, volume 6.
  3. Arizona Department of Health Services. (2022). Opioid prevention.
  4. Arizona Department of Health Services. (n.d.). Injury prevention.
  5. (n.d.). Your behavioral health benefits.
  6. gov. Mental health and substance abuse coverage.
  7. (n.d.). About us.
  8. (n.d.). Aetna facts
  9. Banner|Aetna. (August 2021). Banner|Aetna to enter the Affordable Care Act (ACA) individual insurance exchange marketplace in Arizona for January 1, 2022.
  10. (n.d.) Drug and alcohol treatment.
  11. gov. Mental health and substance abuse coverage.
  12. National Institute of Mental Health. (n.d.) Substance use and co-occurring mental health disorders.
  13. National Alliance on Mental Illness. (n.d.). Understanding dual diagnosis.
  14. National Institute on Drug Abuse. (n.d.). Principles of effective treatment.

Check Your Policy Coverage

With the form below you can quickly and privately check your insurance benefits to see if you're covered for addiction treatment services. We’ll be able to tell you if your policy is in-network at an American Addiction Centers location.
Check to see if your insurance is in-network at an American Addiction Centers location
We'll instantly check the coverage offered by your insurance provider.
You may receive treatment at one of our facilities at a reduced rate.
What to expect?
* = Required
*
Aetna
*
John
*
Smith
*
jsmith@mail.com
*
(555) 555-5555
MM/DD/YYYY
WXY1030Z0
Disclaimer
HIPAA badge
Expand
AAC Locations

Learn more about our treatment facilities

American Addiction Centers (AAC) owns and operates facilities at various locations nationwide to provide you or your loved one addiction and mental health care.
View all locations

Frequently asked questions

Guides for other health insurance providers

Will my insurance pay for treatment?
  • We’ll instantly check the coverage offered by your insurance provider.
  • You may receive treatment at one of our facilities at a reduced rate.
What to expect?

* These fields are required

*
John
*
Smith
*
(555) 555-5555
*
jsmith@mail.com
MM/DD/YYYY
Aetna
WXY1030Z0
Disclaimer
HIPAA badge