Cigna Healthcare Insurance Coverage

Dealing with addiction alone can be difficult. A substance abuse treatment program can equip you with the resources needed to move forward, but affordability is a major concern for many people. Cigna is an insurance provider that offers coverage for substance abuse and mental health treatment to help individuals get needed care. Depending on your Cigna health insurance plan, you may have access to benefits that cover all or a portion of drug and alcohol addiction treatment.

Recovery Life Group is a verified in-network provider with Cigna. We ensure that we provide not only comprehensive but also compliant care tailored to your needs.

Being in-network with Cigna allows us to deliver a comprehensive range of drug and alcohol treatment services at a significantly reduced rate. Our objective is to make high-quality rehab services more accessible to you, minimizing financial stress and focusing more on your journey towards recovery.

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Does Cigna Cover Drug and Alcohol Rehab Treatment?

The Affordable Care Act requires employers and marketplace health insurance providers to offer some coverage for substance abuse treatment. Your plan will determine the level of Cigna substance abuse treatment coverage you receive. The addiction treatment options your plan may cover include:

  • Detox and/or medication-assisted treatment (MAT)
  • Inpatient or residential treatment
  • Partial hospitalization program (PHP)
  • Outpatient treatment programs

Cigna also offers coverage for mental health services, such as therapy and medication. Before enrolling in treatment, it’s important to verify your insurance with drug rehab centers that accept Cigna to see what services are covered and the out-of-pocket expenses you’re responsible for paying, if any.

How Cigna Healthcare Insurance Can Help Make Addiction Treatment More Affordable

Cigna can make drug addiction treatment more affordable by reducing the cost you must pay with your money. Most insurance plans have a deductible, which is the amount of money you must pay before full insurance coverage kicks in. Once the deductible is met, Cigna will pay for more of your treatment.

How to Check Your Cigna Rehab Coverage and Insurance Benefits

By checking your policy, you can determine how much of the treatment process Cigna will cover. Cigna offers multiple coverage levels for drug or alcohol addiction treatment. For example, plans purchased through the marketplace include bronze, silver, gold and platinum plans. Bronze plans typically have the lowest premiums but the highest deductibles, while platinum plans have higher premiums but provide more treatment facility coverage.

If you have a private health insurance plan or one through Medicare Advantage or Medicaid, your policy will outline your benefits. It’s also important to confirm whether an inpatient treatment facility is in network or out of network. That can also affect how much your Cigna insurance will cover.

In-Network vs. Out-of-Network Treatment Centers

Your health insurance provider will have a list of in-network and out-of-network providers. In-network providers are drug and alcohol treatment centers that meet certain requirements and are willing to provide covered services for a discounted rate under your plan. Out-of-network providers don’t have a contract with your insurance provider and charge full price for services.

Choosing an in-network rehab center means services will be provided at a lower rate. Since in-network providers also have to meet specific requirements from Cigna, you can ensure you’re receiving high-quality care.

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Maximizing Your Cigna Insurance Coverage Benefits

You can make the most of your Cigna insurance by ensuring your plan covers the services needed for overcoming your substance use disorder. After verifying this, you should check your plan’s details, including the deductible and co-pays.

A co-pay is a flat fee you pay for a service after meeting the deductible. For example, you may have a co-pay for medications, primary care provider visits or medical specialist appointments. The fee will depend on how much your Cigna insurance plan covers. If you have a coinsurance plan, you’ll be charged a percentage of each covered service. If your coinsurance plan has an 80/20 split, for example, the plan will cover 80% of the costs, leaving you to pay 20% out of pocket.

FAQs About Cigna Healthcare Insurance Coverage for Rehab

If you’re diagnosed with a co-occurring mental health disorder during inpatient or outpatient rehab, such as depression, anxiety or post-traumatic stress disorder, Cigna may cover the following therapies:

  • Group therapy
  • Family therapy
  • Cognitive behavioral therapy (CBT)
  • Dialectical behavior therapy (DBT)
  • Eye movement desensitization and reprocessing (EMDR) therapy

The exact coverage will depend on your plan and what’s considered medically necessary for treatment. Plans may cover anywhere from 1 to 6 weeks of inpatient treatment, and Cigna may also cover multiple rehab stays if they’re medically necessary for overcoming addiction.

Cigna also provides coverage for nonresidential services, such as outpatient treatment, PHPs and aftercare services. However, the services must be considered medically necessary to receive coverage.

Our Drug Rehab Center Can Guide You Through Your Health Insurance Coverage Options

Recovery Life Group is a luxury rehab center in Upper Marlboro, MD. Our trained professionals can help you navigate your Cigna Healthcare Insurance plan to get the most of your coverage for needed treatment. Contact us today by calling 301-686-3233 to explore insurance options and get the addiction treatment you need.