Insurance Payers
National carrier

Aetna

Who they are

Aetna is a CVS Health company (acquired in 2018) and a major national carrier.

The behavioral health contracting entity

Aetna manages all of its behavioral health in-house, without a separate behavioral health manager — a publicly documented arrangement. Facilities contract with Aetna directly. This is the educational contrast to the carve-out carriers: not every national carrier hands behavioral health to a separate network.

Levels of care

Aetna contracts across the behavioral health continuum — inpatient psychiatric, detoxification, residential treatment, partial hospitalization (PHP), intensive outpatient (IOP), and outpatient. Covered benefits vary by plan.

Websites & portals

Scope

National.

Does Aetna use a behavioral health carve-out?

No. Aetna manages its behavioral health in-house, without a separate behavioral health manager — a publicly documented arrangement, and the clearest contrast to the carve-out carriers. Where a UnitedHealthcare member's behavioral health runs through Optum and an Anthem-brand Blue's runs through Carelon, an Aetna member's behavioral health stays with Aetna. For a facility that means one fewer entity to map: the plan on the member's card and the network that holds your behavioral health contract are the same company.

Related: In-House vs. Carve-Out · Who Actually Holds Your Behavioral Health Contract?

Who holds a behavioral health contract with Aetna?

Aetna itself — a CVS Health company since 2018. Facilities contract with Aetna directly for behavioral health, and credentialing and provider transactions commonly run through Availity rather than a behavioral-health-specific portal. Two practical consequences follow. First, an Aetna behavioral health agreement is negotiated with a national commercial carrier's own contracting function, not with a specialist network whose whole book is behavioral health — the counterparty's frame of reference is its full commercial book. Second, because there is no separate behavioral health manager, the levels of care your agreement covers, and the products it applies to, are defined in the Aetna contract itself; confirm both before you sign rather than assuming a behavioral health “network” sits underneath.

What determines an Aetna behavioral health facility rate?

There is no single “Aetna rate.” A negotiated facility rate depends on the level of care (detox, residential, PHP, IOP, inpatient psychiatric — with eating-disorder programs billed on the same level-of-care structure), the contract's payment structure (per diem, case rate, or percent of charges), the product behind the member (commercial HMO/PPO, exchange, or another Aetna line), your market, and when the rate was last negotiated. Billing structure decides what the rate attaches to: facility claims are keyed to revenue codes and HCPCS — residential under revenue codes 1001/1002 or H0018, partial hospitalization under 0912/0913 or H0035, intensive outpatient under 0905/0906 or H0015, detox under 0126 or H0010 — and a carrier managing behavioral health inside its general commercial book may key a facility rate to the revenue code, the HCPCS code, or the combination. Two rates on the same code are only comparable when the rest of the contract structure matches.

Related: Behavioral Health Billing Grammar · Levels of Care, Explained

How does a facility benchmark against Aetna?

By comparing actual negotiated facility rates on the same code, level of care, and market — never a blended average, and never a modeled estimate. Aetna is a national facility book in TierBench's coverage: a major national commercial carrier's own behavioral facility book, with facility rates across detox, residential, PHP, IOP, and inpatient psychiatric care, extracted from Aetna's public Transparency in Coverage files and resolved to the facility. Because that book is structurally different from the carve-out networks, it widens the benchmark — a facility can see where its Aetna rate sits as a percentile position among comparable facilities in its market, and how that position compares with the same level of care under a carve-out network. The fastest way to get it is a free rate analysis of your own contract.

Related: Payer Coverage · Ratebench · Peerbench · Reading Your Percentile Position · Why BH Benchmarking Differs from Medical

See where your facility's rates rank.

A free rate analysis compares your contract to actual negotiated rates in your market, by level of care and code.

State guides

Featured states from our state-by-state guide to the behavioral health payer landscape:

California · Colorado · Florida · Illinois · Massachusetts · New York · North Carolina · Rhode Island · Texas

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