Under California SB 855, all state-regulated insurance plans — including Aetna — must cover treatment for substance use disorders at the same level as medical and surgical care. Most Aetna PPO plans cover inpatient rehab in California.
Source: California SB 855; CA Department of InsuranceAetna and California SB 855
Aetna PPO plans sold in California are subject to SB 855, which requires coverage for all DSM-5-listed substance use disorders. Aetna cannot apply stricter prior authorization, higher cost-sharing, or tighter limits for addiction treatment than for comparable medical care.
What Aetna Typically Covers
For PPO plans, Aetna generally covers medical detox (acute medical benefit), inpatient/residential treatment (mental health/SUD benefit), PHP, IOP, and MAT. Exact coverage depends on the specific Aetna plan ID, deductible, and out-of-pocket maximum.
How to Verify Your Aetna Benefits
Call (213) 461-2298. A placement advisor will verify your Aetna benefits directly — deductible, coinsurance, prior authorization requirements, and estimated out-of-pocket cost. Free, same-day, no obligation.