In-Network Intensive Outpatient Program Programs in Maine That Accept Aetna
Searching for Intensive Outpatient Program that actually takes your insurance? We get it—the process is exhausting. This page lists programs in Maine that have agreements with Aetna. That's a good starting point, but remember: you'll still want to call and verify your specific coverage before making any decisions.
How Aetna Coverage Works for Treatment
What in-network means and why it matters for your costs
Think of Aetna's network like a group of providers who've agreed to play by certain rules—including what they charge. When you go to an in-network facility, you're protected from surprise bills and inflated charges. You'll generally pay your copay or coinsurance, and that's it. Out-of-network? That's where costs can get unpredictable.
About Aetna Networks
Aetna has a large behavioral health network managed through Aetna Behavioral Health. Your specific coverage depends on whether you have an employer plan, individual plan, or Medicaid plan—and which tier your plan is. PPO plans generally have more flexibility in choosing providers.
In-Network Benefits
- ✓Lower copays and coinsurance rates
- ✓Pre-negotiated service rates
- ✓Counts toward in-network deductible
- ✓Streamlined billing process
Out-of-Network Considerations
- •Higher out-of-pocket costs
- •Separate deductible may apply
- •Balance billing possible
- •May require single case agreement
Prior Authorization Requirements
Here's something important to know: most Aetna plans require what's called "prior authorization" before you can start Intensive Outpatient Program. Basically, the insurance company wants to review whether the treatment is medically necessary before they agree to cover it. The good news? Most treatment facilities handle this process for you—just expect it to take anywhere from 24 to 72 hours.
Expect to need prior authorization for residential treatment, PHP, and IOP. The treatment facility usually handles this, but it can take 24-72 hours. Aetna uses clinical criteria to determine whether your level of care is medically necessary.
Understanding Intensive Outpatient Program in Maine
Understanding your treatment options
Intensive Outpatient Program(IOP)
Outpatient ProgramIOP gives you structure and support while letting you keep up with work, school, or family life. You'll typically attend 3-4 sessions per week, 3-4 hours each—usually in the morning or evening. Sessions include group therapy, individual counseling, and education about recovery. It's more than regular therapy but less than PHP, making it a practical choice for people who need consistent support without full-day programming.
6-12 weeks
9-15 hours
- People stepping down from PHP or residential treatment
- Those who need more than weekly therapy but can manage daily life
- Individuals who can't leave work or family for full-time treatment
- People with strong support at home who are committed to recovery
Who decides what level of care is right?
When you call a treatment facility, they'll do an assessment to understand your situation— things like what substances you're using, how long, medical history, mental health, and your support system. Based on that, they'll recommend a level of care. Your insurance company also has a say—they use clinical criteria (like ASAM for substance use) to decide what they'll cover. Sometimes there's back-and-forth between the facility and insurance to find the right fit.
Getting Treatment in Maine: A Step-by-Step Guide
How to actually use your insurance to pay for treatment
Using your insurance with Aetna for treatment in Maine can feel complicated, but it doesn't have to be. Here's a straightforward breakdown of how to go from "I need help" to actually starting treatment—and what to expect along the way.
From "I Need Help" to Starting Treatment
- 1Call your insurance (yes, really)
I know—nobody wants to do this. But call the behavioral health number on your card and ask: "What's my coverage for substance use or mental health treatment?" Ask about your deductible, what levels of care are covered, and what prior authorization means for your plan.
- 2Find in-network facilities
That's what this site is for. Search for facilities in Maine that are in-network with your insurance. When you find ones that look promising, call them to confirm they're still in-network (things change) and ask about availability.
- 3Let the facility handle authorization
For anything beyond basic outpatient therapy, your insurance will probably need to approve treatment first. Good news: the facility usually handles this. Their admissions team will submit clinical info to your insurance. This can take 1-3 days.
- 4Start treatment
Once authorization comes through, you can start. Just know that your insurance may continue reviewing throughout treatment (called "concurrent review") to decide if you should continue at that level of care. Your treatment team will handle those conversations too.
Can I Do Treatment Online?
Some of it, yes. Telehealth has expanded a lot—especially for individual therapy, psychiatric appointments, and even some IOP groups. If you live in a rural part ofMaine or have scheduling constraints, virtual options might help. But for more intensive care like residential or detox, you'll need to be there in person.
Telehealth Options
- Individual therapy sessions
- Psychiatric appointments
- Some IOP groups
- Medication management
In-Person Required
- Medical detoxification
- Residential treatment
- Most PHP programs
- Some clinical assessments
What If I Want Treatment in a Different State?
Some people prefer to travel for treatment—to get away from their environment, or because a specific program isn't available in Maine. That's totally valid. But here's what you should know:
- Network status varies by state — A provider in-network in one state may be out-of-network in another.
- Prior authorization may differ — Requirements may change for out-of-state care.
- Continuity of care planning — Consider how you'll transition back to local providers after treatment.
Treatment Programs Accepting Aetna in Maine
1 facility found matching your criteria
These facilities in Maine are in-network with Aetna—at least according to our records. Networks change, though, so please confirm directly with any facility before making decisions. Click through to their websites or give them a call.
Pine Tree Recovery Center
Accepted Insurances:
Please verify directly: Network status and availability can change. Contact each facility to confirm they are currently accepting patients and are in-network with your specific plan.
What to Ask When Contacting a Program
Be prepared with the right questions
That first phone call to a treatment facility can feel intimidating. Here's the thing: the people answering are usually experienced at helping nervous callers navigate this process. You don't need to have all the answers—just your insurance card and a basic idea of what's going on. But it helps to know what questions to ask them:
- 1Are you currently in-network with my Aetna plan? (Give them your insurance ID and group number)
- 2Can you verify my benefits and tell me roughly what my out-of-pocket costs would be?
- 3Do you handle the prior authorization process, or do I need to call my insurance first?
- 4Do you have availability right now? How long is the wait for admission?
- 5What does a typical day look like in your program?
- 6What credentials do your therapists and counselors have?
- 7Do you offer medication-assisted treatment (like Suboxone or Vivitrol) if that's appropriate for me?
- 8What happens after I complete your program? Do you help with aftercare planning?
- 9Can my family be involved in my treatment?
- 10What happens if my insurance stops approving coverage before I'm clinically ready to leave?
- 11Do you treat people with both addiction and mental health issues at the same time?
- 12How do you customize treatment plans for each person?
Before You Call
- Have your insurance card ready
- Know your policy number and group number
- Be ready to briefly describe the situation
- Have pen and paper for notes
What Intake May Ask You
- What substances or symptoms are involved
- History of prior treatment attempts
- Current medications
- Timeline for when help is needed
Here's something important to remember: calling a facility doesn't commit you to anything. You can (and should) call multiple places to compare options. The intake team is there to help you figure out if their program is right for your situation. If it's not the right fit, a good facility will tell you honestly and may even suggest alternatives.
"The only person you are destined to become is the person you decide to be."