Drug Rehab Programs Covered by Cigna Insurance

Last Updated: Jan 15th 2021

Reviewed by Brittany Polansky, MSW, LCSW

Drug Rehab Programs Covered by Cigna Insurance

Cigna drug rehab centers have conformed to Cigna’s high treatment standards and criteria for quality care, cost-efficiency, and high level of positive outcomes. However, unraveling the details of any insurance plan is tricky. Your Cigna drug rehab coverage depends on various factors such as your state or country and the type of treatment program you’re considering.  

The good news is that Cigna will likely cover all or part of your treatment expenses, as long as the treatment program is deemed medically necessary.

Your Cigna Drug Rehab Coverage

It’s up to your medical provider to help you choose the best treatment program, based on the severity of your addiction, your overall mental and physical health, your family support, and your living situation. You and your physician will also consider your financial situation and the extent of your Cigna drug rehab coverage.

In general, Cigna drug rehab programs rely on similar treatment methods, but the primary differences are where you’ll sleep and the length of your treatment. Treatment for substance abuse typically involves individual and group counseling, drug and alcohol education, and therapy for depression, anxiety, or other mental health issues. 

Most Cigna drug rehab centers include a 12-step program such as Narcotics Anonymous, Crystal Meth Anonymous, or Cocaine Anonymous. 

Inpatient treatment: your doctor may recommend an inpatient treatment center if outpatient treatment didn’t work for you in the past, or if you have physical problems or mental health issues. Inpatient treatment, which means you’ll stay overnight at the facility, may also be an option if you live too far from an outpatient clinic or if your home situation makes it difficult to stay clean. 

Typically, inpatient treatment lasts between one and six weeks, depending on your needs and the severity of your substance abuse problem.

Residential treatment: If your physician advises that you enter residential treatment, you’ll receive treatment for an extended period lasting up to 90 days or sometimes longer. If your substance abuse problem is severe, long-term treatment offers a better chance at long-term sobriety. Residential treatment is similar to inpatient treatment, but the environment may be less structured and more home-like.  

Outpatient Treatment: Outpatient treatment is similar to inpatient treatment, but it doesn’t require you to spend nights at the facility. Treatment generally takes place at a treatment center, or you may go to a mental health clinic, medical center, or counselor’s office. 

This form of treatment may work well if you cannot take time off work or school, you prefer treatment closer to home, or you can’t afford inpatient or residential treatment. 

If you opt for outpatient treatment, you’ll need reliable transportation, and your chances of a positive outcome are higher if your situation at home is secure and supportive. Your treatment team will probably recommend that you also attend a 12-Step program or another support group. 

There are two primary types of outpatient treatment:

  • Intensive outpatient treatment (IOP): If your medical provider recommends intensive outpatient treatment, you’ll attend treatment three times weekly for a total of 10 to 20 hours per week. Cigna inpatient drug rehab generally consists of a combination of group therapy and one-on-one meetings with a counselor. If things go well, you may eventually transition to standard outpatient treatment. 
  • Standard outpatient treatment: If your addiction isn’t severe, or if you’ve already completed higher treatment levels, your doctor may recommend standard outpatient treatment, which is less rigorous than IOP. Standard outpatient generally consists of one or two sessions per week. Most centers accommodate your scheduling needs, including daytime, weekend, or evening sessions.  

Partial Hospitalization (PHP): Your medical provider may suggest partial hospitalization, or “day hospital,” if you’ve completed outpatient treatment, but you’re still struggling with substance abuse. PHP is also a good option for people who have completed inpatient or residential treatment but aren’t quite ready for the stresses and demands of day-to-day life. PHP treatment is intense and highly structured. In general, you attend for six hours each day, five to seven days per week, but you’ll sleep at home.

Aftercare: Your plan will likely pay for aftercare, or relapse prevention, to help you maintain long-term sobriety. Ongoing treatment may consist of 12-step programs or counseling with an addiction therapist. You may receive guidance on goal setting, mending relationships, coping with stress, and avoiding triggers that may tempt you to relapse. You’ll continue to work on depression, anxiety, or other issues that may stand in your way of full recovery. 

Medication-Assisted Treatment (MAT): Your plan may cover medications such as methadone,  suboxone, or naloxone, which can minimize withdrawal symptoms, reduce cravings, or block the effects. Cigna insurance alcohol rehab may also include medication-assisted treatment.  

Precertification for Cigna Drug Rehab Programs

Cigna may require precertification or prior authorization before it will pay for some treatment programs. Basically, this step ensures your treatment is appropriate and medically necessary.  

Cigna In-Network Rehab Facilities

Cigna in-network rehab facilities have contracted with Cigna to provide services at a lower rate. Out-of-network treatment providers haven’t agreed to the lower rates, so the cost of treatment at those facilities is likely to be substantially higher. 

Many well-regarded treatment centers are members of Cigna’s network of health care providers, but be sure to check your coverage before enrolling in treatment. To determine if a specific treatment center or rehab is in-network, call the center, as the staff is trained to answer your questions. You can also search Cigna’s provider directory, or call the number on your Cigna ID card. 

We’re Here to Help

If you’re covered by one of Cigna’s insurance plans, you can take advantage of 1st Step’s many fine drug and alcohol treatment programs, but keep in mind that each policy varies. Give us a call at 855-425-4846, and we’ll look over the fine details. We’ll be happy to help you review your options so you’ll know how long you can remain in treatment, which levels of care are covered, and any out-of-pocket expenses you may be required to pay. You can also contact us online

Reviewed for Medical & Clinical Accuracy by Brittany Polansky, MSW, LCSW

Brittany Polansky, MSW, LCSWBrittany has been working in behavioral health since 2012 and is the Assistant Clinical Director at our facility. She is an LCSW and holds a master’s degree in social work. She has great experience with chemical dependency and co-occurring mental health diagnoses as well as various therapeutic techniques. Brittany is passionate about treating all clients with dignity and respect, and providing a safe environment where clients can begin their healing journey in recovery.