Meritain Health is a third party administrator of self-funded health insurance plans for companies nationwide. It is a subsidiary of Aetna Insurance and its parent company CVS. A self-funded plan refers to insurance that an employer fully pays for as a benefit to company employees. The employer doesn’t pay a premium to an insurance company, instead they cover the cost of employee medical care themselves.
A third-party administrator sets up and manages the healthcare benefits for the employees, processes insurance claims and manages billing and payments for services to providers. They can also connect a self funded plan with a provider network if they need one.
Meritain Health has been in business since 1983 and has more than 1.5 million members. Most company employers purchase the Aetna Choice POS 11 plan to offer their employees because it gives them access to Aetna’s national network of 1.6 million healthcare providers and more than 350,000 behavioral health providers.
Meritain Health is the only third party administrator that can offer access to this Aetna network.
While examining treatment pathways or confirming insurance coverage, you can learn more about rehab options to review centers that match your plan.
By Rita Milios
Medically Reviewed by Dr Jillian Foglesong Stabile
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Private InsuranceSelf-Pay Options
This place saved my life. Great facility and staff. I was very nervous/scared to come here but the staff were very friendly and helpful. If you are thinking about treatment I highly recommend this place.
xCochise
2 weeks ago
This program dramatically help me get back on track in my recovery and was very well staffed and organized was an amazing experience.
Jacob Berghaus
3 weeks ago
I recommend calling the facility to confirm what the sales team tells you is true. The staff facility and people are great.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionOpioid AddictionSubstance AbuseDual DiagnosisMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Self-Pay OptionsPrivate insurance
All In Solutions received me with open arms for the second time. The staff make sure you receive a high quality care treatment. I’m grateful for the love and care . God continue to bless everyone.Thank you for you do .
Jianil Richiez
3 days ago
This place changed my life. My therapist was great and all the staff was great.
Ash Leigh
1 week ago
My time at All in Solutions has been the most valuable important decision I’ve ever made. I have nothing but love and respect and gratitude to all the staff who helped guide me to a freedom I thought I could never have!!! I love you guys from the depths of my soul!!! Thank you Thank you Thank you!!!!
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionDual DiagnosisOpioid AddictionSubstance AbuseMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Private insuranceSelf-Pay Options
All In Solutions changed my life! I originally committed to 30 days but less than a week in extended to 90, the staff truly care about their clients and the therapy is top tier! Would’ve stayed longer if u could:)
Mack
6 days ago
The support group for caregivers has been life changing and such a meaningful experience. My loved one went through the program in February 2024. The therapists, staff and facility has been an integral part to his recovery and I could not be more grateful
Anthony Sbarra
6 days ago
The staff is very welcoming and kind. They are here to help you and will meet you where you are at. I’ve had a really good experience here very grateful for the staff and support I’ve gotten here would recommend for everyone!
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis
Adult ProgramProgram For MenProgram For WomenYoung Adult Program
Self-Pay OptionsPrivate insurance
AIS is truly amazing, great place has changed my life greatly. All the staff there are a blessing and have a caring heart for their clients. Debbie Anthony, and Bethany are amazing always extending their helping hands. Great place. Now, my counselor JASON he is amazing he has been a huge encouragement and model in my recovery, his knowledge and experience has changed my life if so many ways he's very helpful understanding and tells it like it is because he genuinely cares about your recovery, this man truly is a human Angel 😇, this man deserves a raise lol. But thank you to all in solutions for all the support and for helping me in one of the worst times of my life. Gerard
Gerard Vasquez
5 days ago
This program truly changed my life. The staff were amazing—supportive, caring, and dedicated every step of the way. From beginning to end, the experience helped me become a better person. Sobriety has given me the tools and skills to face life head-on, even when things aren’t perfect. I’ve learned to live with accountability, respect, and purpose. Thank you, All In One Solutions, for helping me turn my life around for the better. Highly recommend.
Thank you Stephen, Hepzi, Brandon, America, Nancy, Alex and all the rest of the Staff!!! You guys are the best!!!
Alfred Rubio
1 week ago
It was a life changing experience to go through the program with AIS . All the staff was genuinely supportive and nice really cared about us , made us feel like family. Jason was my counselor he was really helpful didn’t sugarcoat anything, held me accountable, challenged me to come back for my cake in a year I accepted the challenge.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Phenomenal place! All of the staff are very helpful and friendly. Anthony, client care coordinator is always checking in to make sure you are ok and if anything is needed, helps with a smile! Jason(therapist) is great, more in tuned than most I have seen. . Karen (EMDR) is gifted and am privileged to have been able to work with her. Magic Mike will blow your mind with his knowledge and things he can do. Food is good. Facility is clean. Beds on residential side are comfy.bon detox they are average. Such an amazing group! I have been to a few different rehabs and this one is top notch!!!
LEA
5 days ago
The staff here its great! Love my therapist Jason. And the trauma Therapist Karen has been very helpful also. And love her group sessions. Along with Pastor C, Dr. Harris and Dr. Alvin and others.The chefs have been great with accommodating my very restricted diet with no gluten or dairy. Shout out to Mariano and the head chef. BHT’s Gene and Harriet have been very helpful. And a shout out to Anthony. Met with him when I first arrived, and he helped me work through some questions and has been a great resource, along with being very kind. And thank for delightful Audrey, a nurse, color brightened my day and went above and beyond. And to all the nurses, as I know, they are very busy. Lauren in aftercare and Ashley, who helped with insurance have been extremely helpful. Lauren is very efficient. And Roni in administration is also a joy. I am extremely glad that I chose Haven for treatment And I’m definitely getting the help I need.
Christine Kerr
5 days ago
Please do not detox alone. You do not have to detox and enter recovery alone. The environment matters and the staff and clients at The Haven brought me to a place in my life I never thought was obtainable. I have fought alcoholism for approximately 18 years. I spent the past 7 years trying, very unsuccessfully to get sober on my own. Finding and choosing The Haven Flagship facility in West Palm Beach (with their help) was the best decision i have made in 7 years.
Do not wait like I did. Your health & happiness are worth fighting for and doing it in this environment makes it so much more comfortable. There is no judgement, no shame and it is not worth risking your life detoxing without this extremely well oiled machine called The Haven.
When i made my first called all they dis was listen and talk to ne and encourage me. Once I opened up they knew exactly where i should be and asked if i minded coming to a facility that was further away because they said West Palm Beach would be the beat fit. They were not wrong. They had never met me but understood what I needed and directed me PERFECTLY.
While here I detoxed safely under excellent supervision. (Please do not do this alone without medical professionals).
I attended 3 of 4 beneficial classes per day. Classes I avoided while alone on the outside of their facility while my health & drinking just got worse by the minute.
To say the staff here is nice & professional doesn’t do them proper justice.
If you need to talk to someone I suggest you just start with a call.
I wish that I had done it sooner.
God bless you all who are suffering with addiction and those who dedicate their lives to get the addicted into recovery mode.
Monica L.
Drug AddictionAlcoholismOpioid AddictionDual DiagnosisMental Health and Substance AbuseSubstance Abuse
Adult ProgramYoung Adult ProgramSeniors ProgramProgram For MenProgram For WomenLGBTQ Program
Private InsuranceSelf-Pay OptionsMilitary InsuranceFinancial Aid
Boca helped me so much and the staff is so so good and I agree Joe was the one that touched heart his meetings was my daily medicine. I need to go back to Boca and hoping they'll let me come back soon. Calling them this week to line everything up with them.
Pam Bryant
2 weeks ago
Exceptional staff and facility. Definitely one of a kind tailored treatment for people struggling with substance abuse!!
Charlie Hite
2 months ago
The staff and clients at boca are incredible. Joe leads the most incredible meetings; I wish I could virtually sit in on them. Bri was such a strong supporter. If you have an opportunity to go here, give it a chance and go!! It works!
Coastal was tough and fair…they prepared me for the real world!
The food is fabulous and the staff is wonderful!
peter haines
1 month ago
I just want to thank all of you from the bottom of my heart for the care and compassion you showed me during my stay .You helped me through one of the hardest times in my life with kindness, patience and understanding . Because of your support ,I found hope and strength again .I'll always be grateful for the way you helped me start this new chapter of my life . With love and gratitude you gave me freedom back from addiction to freedom after 15 years of being on opioids . Thank you for the true blessings I've received . Loretta
Loretta Slone
2 months ago
These people go over and above the gold standard of treatment in South Florida!
Manicured detailed excellence from the owners, chefs, medical staff, BHT's, and housekeeping!
This is very amazing and groups are very fun. Very interactive and helps me relax and the staff is amazing. For example Queen (Carol) Tiff Kim and Paul have been very supportive since I started the program. Thank you AWA!
James Santana
1 month ago
Recomiendo este lugar con los ojos cerrados.La entrega de sus trabajadores con los niños y con los padres está en otro nivel.Sientes que los conoces desde siempre por la confianza que te brindan.La Terapista de mi hijo que se llama Ornela muy profesional y entregada con nuestros problemas.Siempre dispuesta a escuchar en todo momento con una paciencia infinita.Contenta con la conciencia creada en mi hijo sobre su situación etcétera…..Por siempre agradecida con esta institución y ahora seguir trabajando en casa 🫶🏼
Mileivys Perea
2 months ago
We brought my son to meet Annie. Instantly she identified his issues and recommended the next steps to take. My son has been in residential care and Annie has been in contact throughout because she has our best interests at heart. We had seen educated psychologist/ psychiatrist for years but i have discovered the best people to help are those who have had experience of addiction and continue the fight . Their life experiences are invaluable in helping others overcome the disease Thank you Annie !
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Frequently Asked Questions
Does Meritain Health Cover Addiction Treatment?
Self funded employer plans are not required to cover addiction or mental healthcare, but if they do, they must follow the Mental Health Parity Act and cover it at the same level as other medically necessary services.
Your employer’s plan may include mental health and rehab coverage, but it may not, so it’s very important to check with your company’s benefits manager before you commit to a treatment program. You may also need to stay within a specific provider network in order to use your employer coverage.
What Inpatient Rehab Options Does Meritain Health Cover?
If your insurance plans covers inpatient rehab, you may have coverage for services like medical detox and inpatient or residential care.
Detoxification that removes drugs from the body may involve the use of medication assisted treatment (MAT) medications to treat and reduce withdrawal symptoms. Methadone, naltrexone, and buprenorphine are often used as MAT medications. The goal of medical detox is to give you a clean start and help you stay safe and as comfortable as possible during the process.
With inpatient rehab, you are treated in a clinic or hospital; with residential rehab treatment, you are treated in a non hospital facility that usually has a home like setting. Both inpatient and residential treatment options offer 24/7 supervision and care.
Inpatient treatment will often last two weeks or fewer, although some hospitals have longer term programs. Residential treatment typically lasts 28 to 30 days, and possibly longer. Patients who have a dual diagnosis, with both substance abuse and another mental illness being present together, require integrated care that addresses both their mental health and substance use.
Does Meritain Health Cover Outpatient Treatment?
Your insurance plan may include a variety of outpatient treatment options. For example, there are partial hospitalization programs, intensive outpatient programs, and regular outpatient programs.
Partial hospitalization programs (PHP), also called “day treatment,” usually involve at least 20 hours of treatment per week, with sessions held 4-5 days per week. There are no overnight stays. A typical length for PHP treatment is three to four weeks, but it can last up to several months.
Intensive outpatient substance abuse rehab treatment typically involves nine to 20 hours of treatment per week, and these hours are spread over three to five days. Ninety days of IOP treatment are most often recommended.
In general outpatient programs, group addiction education and counseling sessions usually take place in a clinic or rehab setting once or twice a week. Individual sessions are usually offered as needed, on a selective basis.
Does Addiction Treatment With Meritain Have to Be In Network?
The Aetna Choice POS (Point of Service) II plan, used by about 90% of Meritain insurance members, allows patients to use either the Aetna network of service providers or out of network providers.
Sometimes, an out-of-network option makes sense because an in-network provider may not be nearby or convenient, or there may be an urgent need.
However, out-of-network providers will generally cost more, and you may have to pay the additional cost yourself. Unlike in-network services, claims and billing related to out-of-network providers are not handled by Meritain.
Also, while approval for coverage of some services may be required when using either an in network or out of network provider, an out of network provider would not automatically process your request for approval. You would likely have to handle that on your own.
When using an in network provider, your primary care doctor would process your request for approval when needed.
Are There Special Features Available from Meritain Health?
Employers who choose the popular Aetna Choice® POS II network can offer employees a variety of specialized services. These tools help support your overall health and therefore have an impact on your mental health and triggers for substance use disorder. For some services you may need pre certification performed by the medical management team.
Your physician must pre certify certain services that go beyond a standard physician office visit. This can include non emergency admissions or elective ambulatory surgery. It may also include diagnostic procedures and continuing care services for conditions like substance use disorders and mental health conditions. The medical management team will review the treatment plan against standard guidelines to ensure the procedure or treatment is medically necessary. Your member’s services booklet has a list of all services that require pre certification.
The Aetna Choice® POS II network has over 776,000 physicians across more than 6,100 hospitals to provide specialized care for nearly every concern. Aetna has an Institutes of Quality and Institutes of Excellence programs throughout their facilities. The Institutes of Excellence program offers access to a network of high performing hospitals that help improve patient outcomes. The Institutes of Quality is a designation for healthcare providers that meets certain quality standards.
Within this network of Institutes Aetna has identified high levels of care in bariatric care and cardiac care along with orthopedic care and behavioral health. The Institutes of Quality Network for Behavioral Health provides beneficiaries with specialized treatment for substance use and mental health conditions. Your benefits can also include virtual and in person behavioral health care to help address mental health conditions like depression and anxiety disorders.
Your insurance benefits may include a telemedicine service available to you 24/7/365. You’ll have access to qualified physicians over the phone and online as well as through an app. Telehealth and virtual primary care options provide help when you’re unable to see your primary physician in person or you are traveling or live in rural areas without a large network of physicians. The Aetna Choice® POS II network also includes Minute Clinic and Health Hub walk in locations available seven days a week so you can receive urgent care when you need it. These often have a lower cost than most urgent care facilities.
Aetna also provides wellness programs including the Healthy Merits program with resources to focus on fitness and nutrition along with financial wellness and social and emotional health. Employers can fully customize the Healthy Merits program based on the needs of their employees. They have over 400 unique wellness activities and challenges and others that can be developed. The program supports employees working from home using an accessible online or mobile app that easily integrates with wearable fitness trackers.
Aetna offers core benefits for self funded plans including an online health assessment tool to help you set health goals and identify potential health risks. The Informed Health Line offers 24/7 health information from registered nurses so you can quickly get your questions answered. Members also have access to discounts on products and services for fitness and natural therapy along with weight management and nutrition. You may also have access to Nurse Health Coaching and support services that help manage chronic conditions such as diabetes and heart disease and management for other complex situations like fertility.
Finally when you have questions about your insurance benefits or coverage you can access 24 hour support to member services. You may use the online member portal or Meritain Health app along with printed resources and customer service to get your questions answered about your health insurance benefits.
Calls to any general helpline will be answered or returned by a paid advertiser.
By calling the helpline you agree to the terms of use. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses. There is no obligation to enter treatment.