Aetna offers extensive mental and behavioral health coverage across its insurance plans, including therapy services. Whether you are looking for individual counseling, therapy for ongoing conditions, or virtual care, Aetna provides various options tailored to support mental and emotional health. Here’s what you need to know about Aetna’s therapy coverage.
1. Therapy Coverage Under Aetna Plans
Aetna covers therapy services as part of its behavioral health benefits. Coverage includes but is not limited to:
- Individual Therapy: Sessions with licensed therapists to address issues such as anxiety, depression, or stress.
- Family and Couples Counseling: Therapy aimed at improving communication and resolving conflicts.
- Substance Abuse Treatment: Services for addiction recovery and related behavioral health concerns.
- Specialized Therapies: Such as Cognitive Behavioral Therapy (CBT), Dialectical Behavioral Therapy (DBT), and Psychodynamic Therapy
Aetna also provides coverage for therapy under its Medicare Advantage plans, which include mental health services for older adults and those with qualifying disabilities.
However, Aetna generally does not cover services such as:
- Life coaching or career coaching.
- Couples counseling unless tied to a diagnosable mental health condition
2. Virtual and Online Therapy Options
Aetna members can access therapy through telehealth services, which provide:
- Convenience: Speak with licensed therapists from the comfort of your home.
- Comprehensive Care: Covers individual and family therapy via video or phone sessions.
- Provider Flexibility: Aetna partners with telehealth platforms like Teladoc® to ensure members receive high-quality care.
For more details on telehealth options, refer to Aetna’s Telehealth Services Guide.
Does Aetna Cover Online Therapy?
Yes, Aetna covers telehealth therapy services, including video-based counseling sessions. Members can access online therapy through Aetna-approved platforms like Teladoc® or through in-network therapists offering virtual appointments
3. Types of Therapy Aetna Covers
Aetna plans typically cover the following types of therapy:
- Cognitive Behavioral Therapy (CBT)
- Dialectical Behavior Therapy (DBT)
- Psychotherapy
- Group Therapy
Coverage may depend on the type of therapy and medical necessity, as determined by a healthcare provider.
Aetna provides coverage for a wide range of mental health conditions, including:
- Anxiety and depression
- Post-Traumatic Stress Disorder (PTSD)
- Substance abuse and addiction recovery
- Eating disorders
- Bipolar disorder and schizophrenia
For substance abuse, Aetna may cover both therapy and inpatient or outpatient rehabilitation services.
4. Finding an In-Network Therapist
Aetna’s network includes a wide range of licensed mental health professionals, such as psychologists, clinical social workers, and psychiatrists. To find an in-network provider:
- Use Aetna’s online provider directory.
- Contact Member Services for assistance.
- Check coverage for out-of-network providers if necessary (higher costs may apply).
Do You Need a Referral for Therapy?
The need for a referral depends on your Aetna plan:
- HMO or POS Plans: Often require a referral from your primary care physician.
- PPO or EPO Plans: Typically do not require a referral
5. Additional Support Options
Aetna goes beyond traditional therapy by offering:
- Employee Assistance Programs (EAP): Short-term counseling for employees and their families.
- Ongoing Behavioral Health Care: Access to specialized services for chronic mental health conditions.
- Self-Care Tools: Digital tools and resources to help members manage stress and improve mental well-being.
For more information, visit Aetna’s Behavioral Health Services.
6. Costs and Limitations
While Aetna covers therapy, the following factors can influence out-of-pocket costs:
- Co-Pays or Coinsurance: Determined by your plan. Can range from $15 to $60 per session after meeting your deductible
- Deductibles: You may need to meet a deductible before coverage applies.
- Session Limits: Some plans may limit the number of therapy sessions per year.
The costs for therapy depend on your specific Aetna plan:
Conclusion
Aetna offers robust coverage for therapy services, including in-person and virtual options. From individual therapy to substance abuse treatment, Aetna’s plans prioritize comprehensive mental health support. To make the most of your benefits, review your plan details, confirm provider eligibility, and explore telehealth options for added convenience.
For more information, refer to these helpful resources:
