Aetna Insurance Mental Health and Substance Abuse Rehab

Aetna is a health insurance company serving 22.1 million people in the United States, with plans offered directly to consumers as well as through employers.

Aetna covers mental health & substance use treatment

If you or a loved one is using Aetna, you’re probably wondering how much of your mental health and substance abuse rehab it will cover. The good news is that, like all insurance plans in the United States, Aetna is required to cover your mental health treatment and substance use disorder treatment services. Unfortunately, conditions like being in-network, deductibles, and copays do apply.

Compassion Recovery is in network for Aetna and all other major health insurance providers in the United States. That means you can attend our inpatient and outpatient rehab and mental health services for maximum coverage with your Aetna plan. You can keep reading to learn more. Or contact us directly at 909-314-1097 for a free consultation.

What Does Aetna Insurance Cover

Aetna Insurance is one the largest insurance providers in the United States. In fact, with just over 22 million people using its care for medical insurance, Aetna is second to only a few competitors. This means that it has a large network, with over 5,700 hospitals and care facilities and 690,000 primary care and healthcare specialists in its network. It also offers extensive support for mental and behavioral health treatment including substance use disorders and mental health disorders.

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Mental Health Coverage

Explore the different treatment programs we offer that help personalize each clients experience. We offer an innovative experience for each client who enters our innovative Orange County treatment center. Discover how Compassion Recovery can help you on your journey to long-term, sustainable recovery.
Partial Hospitalization

Psychotherapy including behavioral therapies like CBT and DBT

Intensive Outpatient



Group Therapy

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Motivational Therapy

Complementary Therapies

Complementary Therapies

dual diagnosis

Inpatient Treatment


Outpatient Treatment

In fact, providing your service is in network and recommended by your doctor, Aetna will cover almost everything. However, Aetna does not cover any mental health services at all if they are not in the network. You’ll also need pre-approval for all but emergency services or emergency admissions.

Substance Use Disorder Coverage

Aetna offers significant coverage for substance use disorder treatment under the same umbrella of treatment as its mental health treatment. Aetna is also very open to ensuring that patients get the mental health treatment they need, providing it’s from an in-network provider. 

This means you can get:



Inpatient and outpatient detox, including clinical stays and medication, covered with a 50% copay + your deductible.


Inpatient care

Stay in a facility for as long as you need, with coverage starting from 50% coinsurance + your deductible.


Outpatient care

Receive outpatient care for as long as you need, with 50% coinsurance + your deductible and $50 co-pay per office visit.


Aftercare and continuing care programs

Aetna will help you move into an aftercare program if you’re not in one already, with rates starting from a 50% copay.

Aetna is a great insurance provider to have on your side if you want substance use disorder treatment or rehab. However, the most common plans (E.g., Bronze) have high deductibles and a 50% copay, which means you will pay a large amount out of pocket.

Our Program Defined

We strive to offer the best treatment experience and believe that through our proven program, that we can help you not only overcome mental illness, but achieve a fulfilling life full of gratitude and compassion beyond what seems possible at the beginning of your path to recovery.

Dual Diagnosis Coverage

Aetna specifically supports dual diagnosis treatment. In fact, Aetna will work with you during the diagnosis stage to ensure you get into a dual diagnosis program if you need it. Compassion Recovery offers a fully in-network dual diagnosis program, where you receive treatment for mental health and substance use disorders together, with a single trajectory.

This benefits you in several ways including:

You treat the most pressing issues first and remove blockers for treatment,

You’re treating holistically, with understanding that mental health plays into substance abuse and substance abuse exacerbates mental health issues.

You’re given a program that understands your total health, mental health, and trauma and takes everything into account.

You pay deductibles and coinsurance once which can greatly reduce costs over following a multiple-track treatment schedule.

Aetna covers dual diagnosis treatment, which means you can easily seek out a program like the one at Compassion that roles everything you need into one program. In addition, because Aetna doesn’t cap the number of days you’ll receive reimbursement for treatment like many competitors, you can stay in the program for as long as you need, without worrying about costs increasing.

outpatient treatment program

What Are Your Costs with Aetna?

Like other insurance providers, your costs with Aetna will greatly vary depending on the plan you choose. Here, you’ll have to consider your deductible and your copay or coinsurance. For Aetna, there are not usually other costs or exceptions.

Therefore, you can expect the following rates:

Bronze Plan Aetna’s Bronze Plan offers the highest deductible but the lowest monthly rates. Here, you’ll have a deductible of $7,500 or $15,000 for a family plan. If you’re getting inpatient care, you’ll pay $50 per visit and a 50% copay for services. The deductible does not apply. On the other hand, if you go to inpatient services you’ll pay a 50% copay + deductible. This means that you’ll pay the full rate until your total fees are at $15,000, unless you’ve already used the deductible on other medical care.

Silver Plan – Aetna’s Silver Plan offers a lower deductible and cheaper rates and copays. Here, you can expect a deductible of $5,900 for an individual plan and $11,800 for a family plan. Your inpatient fees are $40 per office visit and a 40% copay for services, but the deductible does not apply. On the other hand, inpatient services have a 40% copay.

Gold Plan Aetna’s Gold Plan further reduces the deductible and copay for mental health and rehab care. Your deductible is $1,500 for an individual plan and $3,000 for a family plan. You’ll also pay $30 per office visit for outpatient visits and this does not apply to the deductible. Outpatient services and inpatient services have a 25% copay.

Platinum Plan Aetna’s Platinum Plan offers the most comprehensive coverage at the lowest rates. You will pay a $15 copay per visit for outpatient services. This means you’ll pay roughly $15 per day, no matter what treatment you’re getting. For inpatient services, that rises to $225 per day. However, there is no deductible.

Like other insurance providers, your costs with Aetna will greatly vary depending on the plan you choose. Here, you’ll have to consider your deductible and your copay or coinsurance. For Aetna, there are not usually other costs or exceptions.

Therefore, you can expect the following rates:

Compassion Recovery is In Network for Aetna

Compassion Recovery is fully in-network for Aetna. This means you can get coverage for any of our services including:

We’ll also work with you to help you understand the best treatment options for your needs, so you can choose the program that’s a best fit for you. And, we’ll work with you to follow up and ensure that you move into the treatment you need for aftercare, and counseling as you graduate our program.

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Getting Started with Aetna Insurance

Aetna makes it easy to get started with mental health treatment and substance abuse recovery treatment. However, you’ll need to ensure your rehab center is in-network. You’ll also need pre-approval for your services.

Aetna is a great insurance provider to have if you need mental health or substance abuse rehab

Still, you’ll have to take steps to ensure you get maximum coverage. You’ll also want to ensure that you’re attending an in-network provider, so you get coverage. If you’re ready to get help, Compassion Recovery is in-network for Aetna and here to help. Call us at 909-314-1097

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