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
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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 AddictionOpioid AddictionSubstance AbuseDual DiagnosisMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Self-Pay OptionsPrivate insurance
If You wanna get back to living a good life free of drugs and alcohol I would recommend All In highly. Great group of Techs , Facilitators , Therapist and Spiritual Guidance
Walter Pines
1 week ago
The best place ever.
Robert Gonzales
1 week ago
All in all, I was very appreciative of the way staff/techs treated me with respect in dealing with my alcoholism & how to become a sober individual. I am very grateful to everyone involved in my recovery.
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
This was a very good place everyone is very nice and respectful the therapist ms. Karen is top tier she gets it done to the max her and the counselor ms.Kelly are a dynamic duo they helped me out tremendously.
Johntae Joyner
2 days ago
All In Solutions Cherry Hill literally saved my life. I don’t know where I would be if not for them. First, their program is A1 in my book. I was so broken when I made that call. From the first call until I actually got to the treatment center was God send. They made me feel like a movie star. My therapist Mrs Karen Caston was absolutely the BEST!!! She knows her stuff, I was still in denial with some things that was pointed out to me. She cried with me and held my hand through the entire process I love her and so do all of her other clients. The entire team at All In are blessings from medical management to all facilitators and techs. I met a lot of amazing people at this place including other clients. If you have a substance abuse problem I totally recommend All In Solutions Cherry Hill NJ! They will get you back on the right path for your life. You just have to be willing to take that step. I love all of you guys! Thank you for my life!!!!
Brandi Carter
3 days ago
I love this place it absolutely changed my life. It saved my life. I would recommend it to anybody. The staff was absolutely amazing. Erica at the front desk was very helpful. Kirsten the tech was amazing so was Kat in intake Miss Helen and the check was absolutely amazing Ray in the office Jess as well if I could shout out to everybody I would, but I don’t know if I can but the whole staff was absolutely phenomenal
This is an ad and The Recovery Team – North Little Rock is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
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
THE REASON I GAVE MY THERAPIST SARAH 5 STARS. THE SIMPLE FACTORS I GOT TO KNOW ME LEARN MORE ABOUT ME. WHICH WAS EXCITING IN A WAY? BUT VERY JUST ONE HONEST ON THE BAD PARTS OF MYSELF THAT I NEED TO WORK ON AND NOT BEING SUCH A HYPOCRITE. AND LOOKING AT THE PEOPLE IN MY LIFE LIKE, WELL, I SHOULDN'T LOOK AT THEM THE WAY THAT I DO SO TAUGHT ME THAT.AND I CHERISH THE MOMENTS THAT I WAS WITH SARAH.MY THERAPIST, VERY, VERY MUCH.IT WAS A VERY AWESOME EXPERIENCE FOR ME.
William Bradley
6 days ago
This facility is life changing, I did an initial 30 days in detox as well as 21 days in outpatient. I’ve never felt so confident in my recovery and it’s thanks to the family I made here. These people aren’t just my friends anymore they’re so much more than that and that goes for my peers as well as the staff. The staff genuinely care about you and will form a connection with you if you’re willing to let them in. I hadn’t been sober for more than 30 days since I was 11 I’m now heading towards 60 days of sobriety and I’ve never felt better. It feels like I’ve come back to life, their classes are intriguing and fun they always keep you occupied and invested. A special thank you to the counselors Dave, Hepzibeth, Jason, Sara, Silvia & Ariel. As well as all the staff I love you guys and I’m gonna miss yall!
giovanni acevedo
1 week ago
My experience here was amazing! The staff and curriculum is like no other. They teach you how to live a better life through coping skills and learning emotional awareness. I highly recommend AIS for anyone in Addiction!!!!
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.
This place is like no other facility I’ve been to tons of freedom not locked down to a specific hallway. Has a full gym basketball court arcade 2 bowling alley lanes pickleball courts barber and more. Staff is incredibly helpful friendly and most are in recovery as well so they truly understand what we’re going through I recommend ICFR.
Timeye76
6 days ago
Great place to go for help and services.
Garrison McMillian
1 week ago
Christina is an amazing tech she helped me through so much.
This is an ad and The Haven Detox – New Jersey is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
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.
The staff are great. They're always courteous and accommodating to your individual needs. They are also very helpful in regards to your making the transition to PHP.
Marcus O'Rear
1 week ago
I had a great experience at haven. The staff was very interested in what I needed. Ms Lauren especially she has been a great help. .Ms Ashley,I have great respect for her because she won't lie to you,and will call you out if needed
. The staff as a whole was great.
Donald Ingram
1 week ago
My experience was nothing short of life changing. The staff are very supportive and encouraging and will help with whatever your needs may be. The counselors and very helpful and insightful, especially Sarah and Mike. Ashley and Roni are also very helpful with assisting you with aftercare plans and support while you’re here and moving on. A good place to become and stay sober. Thank you
I can’t even put into words how grateful I am for my time at The Lighthouse. From the moment I walked in, I felt safe, cared for, and understood. The staff goes above and beyond. They don’t just do their jobs, they pour their hearts into helping every person who walks through those doors. I truly miss them and consider them family.
The program is amazing and so thoughtfully put together. I was there during Halloween, and the team made sure we still had fun and felt special, as a mother missing Halloween with my children, I truly appreciated this. You can tell they really care about making every day meaningful. The food was delicious, and the kitchen staff put so much love into every meal.
I’m proud and thankful to call myself a Lighthouse alumni. This place completely changed my life, and I’ll forever be grateful for the people I met and the support I received.
Special shoutout to Theresa, Elizabeth, Kiana, Nichole, Austin, Amanda and Michelle, thank you for believing in me when I couldn’t believe in myself. 💛 Can’t wait for more alumni meetings and to stay in touch with everyone. Huge thanks to Heidi for keeping me connected!
If you’re thinking about getting help, this is the place to do it, it’s where healing truly begins.
With all my heart,
Charish B.
Charish Beall
6 months ago
The Lighthouse Treatment Center completely changed my life. The program itself is amazing, but what really makes it special are the people. Every single staff member I met was caring, patient, and truly dedicated to helping us heal. You can tell they love what they do and genuinely care about every client.
I want to give a huge shoutout to Elizabeth, Janey Grace, Nichole, Theresa, and Kiana — they’re absolute angels. Each of them made such a big difference in my recovery and helped me see hope again.
I’m beyond grateful for my time at The Lighthouse. This place honestly saved my life, and I’d recommend it to anyone who’s ready to make a change.
Analiese Ackermann (Ana)
7 months ago
Lighthouse is a first rate facility. The counselors ,support staff ,kitchen staff, maintenance and housekeeping are amazing. The food is great. They take you to the gym and to outside meetings which is nice. Special thanks to John Brown, Mike, Early, Tim, Austin, Noah, Steve, Ron, Johnny, Candice, Ronnie, Theresa, and Heidi.
Coastal was tough and fair…they prepared me for the real world!
The food is fabulous and the staff is wonderful!
peter haines
6 months 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
6 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 an ad and Never Alone – Adolescent Addiction Treatment Center is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
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
6 months 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
6 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.
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