Seeking treatment for drug or alcohol addiction can be life-saving. Millions of people across the United States seek substance abuse rehab services each year. One common concern among individuals and families, however, is how to pay for drug or alcohol rehab.
At Recovering Champions, we partner with Cigna and other health insurance providers to reduce your financial burden. Our Massachusetts treatment facility is dedicated to helping New England residents overcome addiction and begin their journey towards lifelong addiction recovery.
Treatment Programs Eligible For Cigna Policy Coverage
Cigna is a leading insurance provider in the United States that offers coverage for a wide range of mental health and addiction treatment programs. In the wake of the U.S. opioid crisis, the company has expanded their drug addiction treatment options and provider network.
Rehab programs that may be eligible for Cigna coverage include:
- acute detoxification (detox)
- inpatient rehabilitation
- residential rehabilitation
- partial hospitalization/day treatment
- intensive outpatient treatment
- standard outpatient programs
A continuum of care is highly recommended for people recovering from drug abuse and co-occurring mental health conditions, or dual diagnosis. This can improve long-term recovery outcomes and provide individuals with the ongoing support and structure they may need.
Your eligibility for coverage, and the types of rehab programs covered, will depend on your insurance policy and other factors.
Drug And Alcohol Rehab Coverage With Cigna
Cigna understands the importance of helping their members access affordable behavioral health services at multiple levels of care. From detoxification to community-based outpatient care, having insurance coverage to help cover the costs of treatment can be very helpful.
Detox And Inpatient Rehab
Detoxification (detox) is needed for most people beginning their addiction recovery journey. Detox helps you get sober from addictive substances. Many rehab centers offer inpatient detoxification services onsite or partner with nearby detox centers to help ease the transition from detox into a formal treatment program.
During inpatient rehab, residents attend treatment services during the day to address the physical, mental, and emotional effects of drug and alcohol abuse. Residents follow a structured schedule that may include individual counseling, group therapy sessions, as well as medical and psychiatric services.
Inpatient rehab is usually followed by a step-down program, such as partial hospitalization or intensive outpatient. This involves attending individual counseling and group therapy at a rehab center during the day. For opioid addiction, medication-assisted treatment may also be offered.
Why Should I Use Cigna Health Insurance To Pay For Rehab?
Without health insurance, drug rehab programs can be very costly. Inpatient programs are generally more expensive than outpatient programs.
By choosing a treatment facility that is in-network with Cigna, however, this can help reduce your costs by requiring only that you be responsible for copayment. Other coverage limits and requirements may apply.
What Factors Can Affect My Cigna Health Insurance Coverage?
With any health insurance provider, the amount of coverage you have will depend on your specific policy. This is true with Cigna health plans as well.
Your eligibility for treatment cost coverage with Cigna may depend on:
- your insurance policy
- where you live
- whether you choose an in-network rehab center
- whether you’ve met your plan’s deductible
- type of treatment program
Not every health insurance plan covers addiction treatment services the same. To learn more about your Cigna insurance benefits, you can check your Cigna Member Portal online or call the insurance company directly.
Cigna Coverage Levels And Plans
Your health insurance coverage is determined by the type of Cigna insurance plan you have and the specific policy. Cigna sells health insurance plans to individuals, families, and employers. They also offer Medicare plans.
Coverage levels for Cigna health marketplace plans include:
These plans differ in their monthly premium costs, out-of-pocket costs, and deductible requirements. Bronze plans offer the lowest monthly premiums, but the highest deductibles. Platinum plans are the opposite, and the Silver and Gold plans fall in-between.
Your drug rehab coverage will also depend on your health care insurance policy. Cigna policies include: exclusive provider organization (EPO), preferred provider organization (PPO), health maintenance organization (HMO), and health savings plans. These may all offer behavioral health benefits that can be used to cover full or partial rehab costs.
Verify Your Cigna Insurance With Recovering Champions
At Recovering Champions, we understand how overwhelming it can be to try and navigate the insurance verification process alone. If you call our rehab facility, we can help you verify your insurance free-of-charge.
With your permission, one of our addiction treatment specialists can:
- verify your insurance coverage
- determine your drug rehab options
- help you find a treatment program best suited to your needs
Recovering Champions is an accredited rehab facility in Cape Cod, Massachusetts that offers a range of treatment programs for substance use disorders and dual diagnosis. We serve the greater New England area, and accept many Cigna health plans.
Contact us today to verify your insurance and learn more about how our rehab center can help you or a loved one on their recovery journey.