Does Cigna Insurance Cover Drug Treatment?
Cigna serves over 17 million members with healthcare solutions and is positioned around the world in more than 30 countries.1 Cigna insurance strives to be highly accessible with over 1.5 million relationships with healthcare providers and facilities.1 In the United States, Cigna provides healthcare to its members in all 50 states plus Washington D.C.2 So no matter where you are, if you are dealing with a drug addiction issue, Cigna drug coverage can help you find relief.
Drug addiction affects many people across the country and, if left untreated, can wreck your body and life. It’s vital to take the first step in the recovery process by seeking drug addiction rehab treatment.
You can check the Cigna rehab provider network by contacting your chosen addiction treatment facility. They will verify your insurance quickly and confidentially. If you prefer to speak directly to an insurance representative, you can call the number on the back of your insurance card. They will give you more detailed information about your specific plan.
Whatever you decide to do, just be sure to take action promptly. Delay could be harmful to your life.
What Will Cigna Insurance Cover?
Cigna insurance plans work specifically with people who need substance use treatment. This portion of the insurance is covered under the Cigna behavioral health coverage.3 Under this provision, you may get some or all of the services covered for the following types of treatment:3
Inpatient or residential rehab: Your physician may recommend an inpatient residential treatment program. This type of program gives the most oversight by doctors and clinicians, with some rehabs administering medication during the detox process. Certified physicians will closely monitor patients during their stay, including checking blood pressure, heart rate, and so on.
Partial hospitalization programs (PHP): When participating in a PHP, you are just one step down from a residential program. You spend a good deal of time at the facility and may have just completed an inpatient program. Doctors will still provide oversight of your condition as you recover from drug addiction. The main difference between this program and residential is that you are able to go home at night.
Intensive outpatient programs (IOP): This treatment program is similar to PHP except you may spend a little less time at the facility. It is structured to provide intensive outpatient therapy, which means attending several sessions per day or week.
Outpatient rehab and therapy: For those who have successfully completed the detox program and are stabilized, an outpatient program can help keep them on track. During outpatient therapy, the counselor will assist patients on the core of their addiction issues.
Does Cigna Insurance Cover Mental Health Care?
Mental health is essential to a strong recovery. In fact, the National Institute on Drug Abuse (NIDA) states there is a strong correlation between drug addiction and mental illness.4 You may have undiagnosed mental health issues that led to your substance abuse, or substance abuse can lead to mental illness. With Cigna mental health benefits, you can obtain co-occurring disorder treatment to address both issues together at one facility. Treatment for both conditions simultaneously has been shown to provide the best results and aid with relapse prevention.
Under the Affordable Care Act, insurance providers are required to provide coverage for mental health care as well as substance abuse treatment. Therefore, you will be eligible to receive co-occurring disorder treatment.5
Additionally, Cigna mental health coverage has a wide network of licensed healthcare workers and services, including consultations, referral services, outpatient services, and group therapy.6
How Long Does Cigna Insurance Cover Rehab?
Cigna insurance rehab programs vary in their length of stay. However, according to addiction specialists, participation in an inpatient program should be no shorter than 90 days to be effective.7 After an inpatient program, it’s recommended that you continue on an outpatient basis.7
Cigna insurance substance abuse treatment coverage provides a range of options, including inpatient treatment, which may include between 1 to 6 weeks of coverage.8 (under Inpatient Treatment section) You can verify your benefits now or contact the insurance coordinator for specific plan details.
What If My Cigna Insurance Policy Does Not Cover Drug Rehab?
You may be concerned about whether substance abuse rehab will be covered or only partially covered. What should you do in this instance? It’s vital that you don’t let these questions delay you in moving forward in seeking help. There are plenty of options for people with limited insurance coverage to get help. You may be able to do any of the following:
- Get a personal loan
- Borrow from family or friends
- Check with the facility for financing plans, sliding scale plans, or scholarships
- Use a credit card offer
In-Network Versus Out-of-Network Rehab Centers
You may have heard about in-network and out-of-network facilities and providers. It’s helpful to have an idea of what these terms mean. Doctors and medical facilities that work with an insurance provider to help cut the cost of services for the client are considered to be in network. This means that you won’t pay as much when you use their services because they are giving a discounted price to the provider.
If a doctor or facility is not on the contracted list of providers, this means that they are out of network and you’ll probably have to pay more for services. You may have to pay full price or the difference between the bill and the amount covered by insurance. Sometimes, insurance providers will pay a portion for out-of-network providers.
You can contact the facility where you want to detox to find out if they are a Cigna in-network provider or call the number on your insurance card for further information.
Check Your Benefits
Get in touch with American Addiction Centers (AAC) now and find out about your insurance coverage. You can fill out the form located below with the name of your insurance company and the type of substance you are addicted to, and you’ll get a response immediately about whether AAC is in-network or not.
You can also call our helpline and speak to a person who can check your benefits right away while you’re on the phone. Call AAC at [phone] today.
Let’s verify your coverage for treatment at an American Addiction Centers location. Your information is always confidential.
- (2021). Company profile.
- (2016). Individual & family plans.
- (n.d.). Substance Use Benefits.
- National Institute on Drug Abuse. (2020). Common comorbidities with substance use disorders research report.
- gov. (n.d.). Does the Affordable Care Act cover individuals with mental health problems?
- (n.d.). Mental health benefits.
- National Institute on Drug Abuse. (2018). How long does drug addiction treatment usually last?
- (2020). Inpatient and outpatient treatment for substance use disorder.