If you have Aetna insurance, you may wonder if Aetna covers therapy and other mental health services.
It can be hard to know what is offered versus what is covered, but knowing your options can make a huge difference in helping you find the services you need.
So, if you are wondering, “Does Aetna cover therapy?” here is your answer.
Does Aetna Cover Therapy?
Aetna generally covers most of the therapies and mental health services providers offer under its numerous plans.
Individual therapy, family therapy, and even group therapy are usually provided, though coverage may differ from one plan to another.1
Because of this variation, it’s a wise idea to double-check your specific insurance policy.
Mental health services that your policy may cover include the following:
- Individual therapy
- Family Counseling
- Group therapy
- Behavioral health services
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Types of Therapy Covered by Aetna
Aetna covers a wide array of therapies in its policies.²
This coverage can be a lifeline when you’re struggling to stay afloat.
Some of those therapies include the following:
- Cognitive Behavioral Therapy (CBT): CBT is particularly helpful in pointing out and changing pessimistic or otherwise negative thought and behavioral patterns, making it effective against anxiety disorders and depression.
- Dialectical Behavior Therapy (DBT): This is a type of CBT that helps you learn skills to handle emotions, deal with stress, and improve interpersonal relationships, often used for borderline personality disorder.
- Psychodynamic Therapy: This therapy explores unconscious processes influencing your behavior, aiming to uncover deep-seated emotions and experiences affecting your mental health.
- Mindfulness-Based Cognitive Therapy (MBCT): MBCT combines mindfulness practices with cognitive therapy techniques to help prevent the return of depression, particularly in those who suffer from major depressive disorder.
- Family Therapy: In this type of therapy, your family will join you. It helps improve communication and problem-solving within the family unit, in turn boosting your mental health.
- Group Therapy: This type of therapy, like the others, is conducted by a mental health professional like a therapist. It provides a supportive environment where people with related issues can share their experiences and coping strategies.
Coverage for these therapies can vary based on your specific Aetna plan.
So, as mentioned earlier, it’s a good idea to review your specific policy.
If you have questions, don’t hesitate to contact Aetna directly.
QuickTip: Check Your Therapy Coverage with Aetna
Check your Aetna therapy coverage before starting to find out what mental health services are included. This step can help you better understand your benefits, making it easier to access the support you need for your mental well-being. At Cornerstone Healing Center we can help verify your insurance benefits for free, reach out today!
Therapy Providers In-Network vs. Out-of-Network
When seeking therapy, it’s important to understand the difference between in-network and out-of-network providers for Aetna insurance.
In-network providers tend to be cheaper than out-of-network providers.
This is because Aetna has pre-negotiated certain prices, thus allowing for those lower costs to be passed on to you when you see an in-network provider.
As a general rule, out-of-network providers are usually a bit pricier, even with other insurance providers.
If you choose an out-of-network provider, you may have to pay a greater percentage of the bill or fork over more cash to meet a separate deductible.³
| Feature | In-Network Providers | Out-of-Network Providers |
|---|---|---|
| Cost | Lower out-of-pocket costs | Higher out-of-pocket costs |
| Deductibles | Usually lower or no deductible | Higher deductible may apply |
| Paperwork | Less paperwork, handled by the provider | You may need to file claims yourself |
| Coverage | Often higher coverage rate | Lower coverage rate |
To minimize your costs, it’s best to choose an in-network therapist whenever possible.
You can use Aetna’s online directory to find in-network providers near you.
How to Check Your Aetna Therapy Coverage
If you are unsure what your Aetna plan covers, it’s fairly easy to check.
Here’s how to verify your insurance benefits:
- Review Your Policy: First, take a peek at your insurance policy documents. These can give you an idea about available mental health services and which ones fall under your policy’s coverage.
- Contact Aetna Customer Service: If that option, with its complex insurance jargon, doesn’t sound like a good choice, contact Aetna’s customer service directly. They can clarify the details of your plan and answer any questions you may have. The number should be listed directly on the back of your insurance card.
- Use the Aetna Member Portal: You can also log in using the online member portal. This portal has handy tools and resources that can give you a clearer idea of which type of therapy that Aetna covers might be right for you.
- Ask Your Provider: If you’re already working with a therapist or considering one, ask them if they can verify your benefits. Many providers are willing to do this for you, which can help make the process easier.
Frequently Asked Questions
What types of therapy does Aetna cover?
Aetna’s covered therapies usually include a variety of services that include but are not limited to individual therapy, family counseling, and group sessions. Of course, the type of policy greatly determines what is covered under your insurance, so it’s a good idea to check the specifics of your plan.
Does Aetna cover therapy for addiction recovery?
Yes, it does! In fact, most Aetna plans cover addiction recovery therapy, including counseling, outpatient treatment, and support groups. Again, it can vary based on your policy, so this is a good time to check yours or call Aetna’s customer service line to learn more about your specific benefits for addiction treatment and what requirements might apply.
How can I find out if my Aetna plan covers specific therapy services?
To figure out whether your Aetna plan covers specific types of therapy, you have a couple of options. You can check your policy documents, log into your Aetna portal, or even call a customer service representative to learn more about coverage for specific therapies in your plan.
Key Takeaways
- Key Takeaways
- Aetna typically covers various therapy options, including individual, family, and group counseling.
- Coverage may vary by plan, so checking specific therapy options is essential.
- You can verify coverage by reviewing your Aetna policy or contacting customer service.
- In-network providers usually mean lower out-of-pocket costs with Aetna.
- At Cornerstone Healing Center, we can help confirm your Aetna benefits for therapy.
How Cornerstone Healing Center Can Help Verify Your Benefits
Checking your Aetna insurance coverage, while it can be a little bit daunting, is a must-do step in getting the support you need for your mental health.
If you’re stuck at a roadblock and can’t quite iron out the details of your Aetna insurance, our staff at Cornerstone Healing Center is happy to help.
We can help you understand what is covered and offer support in verifying your benefits.
If you are ready to get started, don’t hesitate to contact our team.
We look forward to helping you take that all-important first step toward bettering your mental health and leading a happier, more rewarding life, one session at a time.
