Cigna Insurance Coverage for Drug and Alcohol Rehab Treatment

Updated on 1 August 2021. There are over 1 billion people who are eligible to get Cigna’s coverage. Many individuals find the insurance plan’s benefits a bit confusing. How does Cignan cover addiction rehabilitation? This page is meant to help you understand Cigna Health plan coverage. Cign is devoted to drug rehabilitation. Rehabs.com tries to give you all the latest information available regarding addiction policies of the carriers. Policies change and errors sometimes occur.

Addicts consequently find themselves searching for ways to cover the cost of regaining their health and wellbeing. We are often asked if treatment for drug or alcohol addiction is covered through group health insurance providers like Cigna, and the answer is yes, we offer Cigna rehab coverage. Verification of Benefits Fill out the information below, and a qualified addiction counselor will contact you within an hour.

Cigna Insurance For Addiction Treatment

Cignal Health carries over 8 million customers worldwide. The firm also provides its members with addiction treatment as an integral part of its mission. Click here to find the drug treatment facility in your area or in the whole country. Although insurance is different if the treatment plan you have consists of a recovery program, the costs for the treatment can be covered by Cigna. Contact us to get an accurate policy.

Cigna provides individual, household and employer coverage. Types are healthcare maintenance organizations (HMO), EPO providers, Points-of-Service (POS ), and PPO providers. A Cigna PPP & HMO plan generally has: 10. You have the obligation to contact a health care provider through the local healthcare network. HMOs generally offer lower premiums compared to most insurance plans when your healthcare provider is in the network. In some cases EPOs require a physician to choose a doctor from a list of participating doctors and the other providers will also need your doctor.

They may be good fits for people who struggle with more severe substance use disorders but who can safely remain in their home environments. 7, 8 Cigna Inpatient/Residential Rehab Coverage In an inpatient program , you live at the treatment facility while receiving care.

How can I verify the coverage of my Cigna plan?

Depending on the individual and their situation alcoholics are often treated in different amounts. This is determined by the type of treatment center attended as well as the services given. Upon selecting a rehab facility, check your Cigna policies benefits to determine if your insurance is covered by your insurance or out-of-pocket. Call or log on to your Cigna account to determine the amount to cover your copays and the deductibles required for the coverage. American Addiction Centers can check for insurance.

A Comparison of Inpatient and Outpatient Treatment Inpatient treatment involves residing at the rehab facility for the duration of the treatment program and includes food and accommodations. Outpatient treatment means the client visits the rehab facility for specific appointments and therapy sessions during the day, and can return home at night.

How does Cigna’s rehab coverage work?

Cigna’s coverage for drug abuse is varied according to the plan and state. Preauthorisation can help prevent substance abuse disorders. The term preauthorization is when a patient’s health insurer determines treatment is necessary. A person who does not require a preauthorisation or is not a registered substance use disorder specialist may face a financial penalty. In other circumstances, you could have to pay a copayment or coinsurance if you don’t get fully covered for your service.

After completing inpatient, it is recommended that you attend outpatient counseling, which can provide support as you adjust to your new sober lifestyle. 7 Is Rehab Confidential? Drug rehab centers, including American Addiction Centers, are generally not allowed to tell a person outside the rehab center that you are a patient or disclose any information about your treatment. This is prohibited by law.

Inpatient and outpatient services

AdCare’s continuum of care includes detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, inpatient and outpatient services, and tele-health. Sunrise House Treatment Center : Located in Lafayette Township, New Jersey , Sunrise House provides treatment for people suffering from substance abuse from a medical and holistic standpoint.

Medication-Assisted Treatment with Cigna Table of Contents Cigna Substance Abuse Treatment Options Types of Addictions Cigna Covers Medication-Assisted Treatment with Cigna Paying for Rehab with Cigna Approved Cigna Rehab Programs Those working through drug addiction treatment may opt for medication-assisted treatment (MAT).

What rehab centers are covered by Cigna insurance?

The American Addiction Center offers various rehabs throughout the country for substance abuse addiction treatment. AAC services are available to Cigna customers who are enrolled into the program with insurance coverage. It can be difficult to quit if your first treatment plan doesn’t meet your individual needs. I have several rehabs nearby. Please consult the directory to see the program details and facilities. You may search for locations or filter CignA’s policies on the site.

Typically, Cigna also covers medications and prescriptions for those who are not participating in any type of treatment program. To determine whether or not your Cigna health insurance plan covers the full or partial cost of medications prescribed both inside and outside of rehab, be sure to speak with your insurance provider.

Do treatment centers need to be in network to accept Cigna insurance?

In-network service providers have negotiated contracts with the insurers that will provide rehabilitation at the prescribed cost. The average monthly bill is generally less than when you use another company. Sometimes you are responsible for obtaining addiction services in a non-public setting and you will have to pay for all of the costs. Whenever possible, choose a rehabilitation center that has a relationship with Cigna. Depending on where you live or how you want your rehab to work out, you may need to find an alternative provider.

Cigna approved rehab centers

American Addiction Centers offers a wide variety of treatment services for drug addiction. AACs accept cigna for drug and alcohol rehabilitation services. There are various treatment programs available for those who are struggling with drugs and alcohol addiction. There are rehabs close to you who offer what it takes. Please visit the site for the facilities of the program. You are able to search based on a specific area or filter by Cigna’s insurance policies.

Intensive Outpatient Program (IOP) Intensive outpatient rehab and therapy involve attending treatment programs a few evenings a week. In an intensive outpatient program , you can live at home and even go to work during the day.

Doing so can save a lot of wasted phone calls to facilities that don’t accept your policy. Do all health insurance policies cover drug rehab treatment? Yes. Between the Mental Health Parity and Addiction Equity Act and the Affordable Care Act of 2010, all insurance providers must offer some form of substance abuse treatment coverage.

How can I check Cigna coverage?

We provide addiction treatment in several locations across the USA and offer various levels of treatment for addiction. Please contact us at the AAC office or check your insurance through the following form. The American Addiction Center strives to offer you the best information on a specific provider’s insurance coverage, but policies are sometimes modified. Please contact the insurance company directly if you are not sure about the coverage.

They will be able to let you know if your insurance is accepted and verify your benefits to provide you with an idea of how much coverage you will get. Another way is to ask your insurance provider for a list of treatment facilities they work with. Doing so can save a lot of wasted phone calls to facilities that don’t accept your policy.

This was 15 years ago. Since then, Marcel has built two of the largest websites in the U.S. and Canada which reach and help millions of people each year. He is an author and a leader in the field of drug and alcohol addiction. His main focus is threefold: education, prevention and rehabilitation. To this day, he still strives to be at the forefront of technology in order to help more and more people.

Does Cigna cover drug and alcohol rehab treatment?

Yes, a Cigna member receives drug addiction treatment services. For members, Cigna partners with a range of drug rehabilitation facilities across the U.S. to provide a range of detox, residential and outpatient services with discount rates. The Affordable Care Act requires insurers to offer some level of coverage for mental healthcare services, including substance abuse treatment.

Outpatient addiction recovery treatment

Almost all Cigna health insurance policies cover rehabilitation in outpatient hospitals. This example focuses on the OAP plan that an Indiana resident has. In-house outpatient costs are divided by four:4. The deductable cost for the prescription drug ($175f). The cost to buy drugs is largely determined through drug brands. The plan covers none of the costs of care provided without Cigna’s OAP network.

Inpatient addiction recovery treatment

Inpatient rehabilitation services are covered by Cigna. This is how costs of healthcare in a CPINA-based network inpatient hospital would be bundled.3 – The 50 % coinsurance rates also apply to this example. Because it’s a GP insurance plan, if a person receives care outside a network, they can’t get treatment.

What is the average length of rehab?

The duration of treatment at rehabilitation is different from person to person. Drug abuse treatments generally last 30 days while some treatments last as long as 90. If your opiate addiction is mild, it is possible that your addiction can only last for several weeks.

The level of coverage varies between insurance providers and policies. Generally, more expensive private health insurance policies cover at a higher rate. It’s important to note that treatment facilities may limit the type of policies they accept.