Cigna Healthcare Insurance Coverage for Addiction Treatment

Using Cigna Healthcare Insurance Coverage to pay for addiction treatment: There are drug and alcohol treatment centers that accept Cigna Healthcare insurance. Depending on your plan and the treatment provider that you choose will determine what Cigna will cover. With so many addiction rehab centers that accept Cigna Healthcare insurance, it is best to know exactly what your coverage will pay before deciding which program to choose for your recovery. Some rehabs we work with are in-network with many providers including Cigna, which means that your treatment may be fully covered or partially covered depending on your insurance plan. You can also call us to find out if there are any drug rehab centers nearby that take Cigna Healthcare Insurance. Most insurance plans will cover drug and alcohol rehab treatment programs. If you would like to find out more about drug rehab programs near you, give us a call and we can get your insurance verified today. 

1-800-513-5423

What you will learn:

• Does Cigna Health plan cover detox?
• Does Cigna cover inpatient rehab programs?
• Will Cigna pay for outpatient rehab center programs?
• Does Cigna cover mental health treatment programs?
• Does Cigna cover out-of-state rehab centers?
• What is the difference between in-network and out-of-network?
• How to verify my Cigna insurance coverage

Does Cigna Health plan cover detox?

Your Cigna health insurance plan will cover detoxification, but they will want to make sure it is medically necessary before covering the costs. It is crucial to find a detox facility that is within your healthcare provider network to ensure you are covered. Failure to get the detox center verified can result in coverage being denied and you being stuck with the bill. Always check your portal for coverage or their website to verify that your choice for detox is covered before committing to a program that you will have to pay for. A doctor’s referral may be required before authorization for addiction treatment services. Our treatment staff can assist you with this process before you enter treatment.

Does Cigna cover inpatient rehab programs?

Cigna Healthcare does pay for inpatient rehab center programs. Coverage can vary depending on the state and the type of services that you require. What Cigna will pay will be dependent on a few variables including type of coverage, if you have a PPO or HMO plan, and whether the treatment center of choice is in-network or out-of-network.

Will Cigna pay for outpatient rehab center programs?

Outpatient rehab center programs are covered by Cigna Healthcare insurance plans. Outpatient rehab programs can vary in levels of care including regular outpatient, intensive outpatient, or partial hospitalization day treatment programs.

Does Cigna cover mental health treatment programs?

Cigna covers mental health services, behavior health services, substance abuse treatment, and dual diagnosis treatment programs. All these services and treatment programs are grouped under one category (Mental Health) with one deductible covering all mental health services. The coverage for mental health treatment, inpatient rehab, and outpatient treatment would be the same as it is for just mental health treatment.

Does Cigna cover out-of-state rehab centers?

Cigna may cover out-of-state rehab center programs, but it will depend on your current plan, which plans you have chosen, and whether your chosen rehab is in-network with or out-of-network with Cigna. Be sure to check your plan details and get the benefits verified before committing to a treatment program that is not in-network with your current plan.

What is the difference between in-network and out-of-network?

To save people money, most healthcare providers offer access to their in-network doctor, provider network, and pharmacies. These doctors and services must comply with certain criteria including discounted rates for covered services to be a part of their in-network list of preferred providers. If a doctor, rehab center, or other service is out-of-network, they can charge you full price which can be much higher than the contracted discounted rate that in-network providers offer. If you choose an out-of-network provider costs can add up very quickly. If you choose a substance abuse treatment program that is out of network you may be paying the difference between what the insurance is willing to pay and what the actual charge for the service is.

Example: You choose an in-network drug rehab center. The treatment program charges $20,000. Your insurance plan pays $15,000. You pay the co-payment. The rehab center is not allowed to bill you for the differences as they have contracted a reduced price for Cigna Insurance Group.

Example: You choose an out-of-network drug rehab center. The rehab center charges $20,000. Your plan will pay only $15,000. You pay the co-payment. The rehab sends you a bill for the difference of $5,000.

How to verify my Cigna insurance coverage

If your insurance provider is Cigna and you are not sure about what is covered or which plan you have, there are a few ways to find out what is covered.

• Give us a call and find out if your policy is in-network with one of the treatment programs we work with.
• Go to your insurance provider’s portal, either through their app or website. If you have not made an account on their portal, you will need to register. Getting an account set up is simple, you will need your policy number or your social security number to verify your identity.
• Use the insurance paperwork that was provided by the ACA marketplace or your employer when you enrolled for Cigna insurance.
• Call customer service and let them help you

The options above will be able to provide you with all the specific information about your Cigna plan. If you are considering a facility and are unsure if your Cigna plan is in-network you can give us a call and one of our admission specialists can help you understand your coverage and check and see if your plan is in-network with one of the treatment programs, or detox centers we work with. This is a confidential 24-hour helpline for addiction. 

1-800-513-5423

Sources

Cigna Knowledge Center

Medications, Counseling, and Related Conditions

Mental Health Substance Abuse Coverage

Erik Epp – Content Author