![]() ![]() 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. ![]() Find out more about service management.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. A service manager can make sure you get the health care services you need from your health plan. Some STAR members with special health care needs might receive service management. Compare value-added services offered by the health plans in your service area. STAR health plans also offer value-added services - extra services you can get in addition to your Medicaid benefits. Treatment of special health needs and pre-existing conditions.Access to medical specialists and mental health care.Regular checkups with the doctor and dentist.Members in the STAR program can get Medicaid benefits like: Learn more about how to choose or change your health plan. If you're new to STAR, you'll choose a health plan from the ones available in your service area (PDF). STAR members get their services through health plans they choose. STAR covers low-income children, pregnant women and families. Most people who have Medicaid in Texas get their coverage through the STAR managed care program. ![]()
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