cigna insurance covering rehab

Does Your Policy Cover Rehab?

Working toward freedom from addiction is not always comfortable or easy; there are often challenges along the way. Many individuals struggle to begin the journey to recovery because of various fears and concerns. Some people are afraid that treatment will not be helpful and fear that they will experience an addiction relapse.

In other words, others may believe that treatment will help, but are concerned about how long rehab will take. But, one of the biggest obstacles most people face is the overall cost of addiction treatment. If you have Cigna Insurance, we can try to make sense of it all.

Sadly, a lot of individuals choose not to get professional help in treating their addictions for fear of not being able to afford it. But, this doesn’t need to be the case in your life. If you’ve been struggling with substance abuse, you can get the help you need today. Your Cigna health insurance plan may be helpful in covering the cost of your treatment. 

Perhaps you’ve been a little unsure about the details of your policy in regards to coverage for addiction rehab. That’s where we come in! Our team here at 1st Step Behavioral Health can help you to work through the ins and outs of your insurance plan. We’ll help you to discover the details of your plan’s coverage and benefits. 

You deserve to become free from the bondage of alcoholism and drug abuse. Our mission is to help you gain that freedom through our professional detox and treatment programs. Your health is our main concern, so we work to make sure you are able to get the help you need without having to worry about the financial side of things. 

Cigna: Behavioral Health Division

Cigna offers many benefits that can help individuals who are suffering from substance abuse and behavioral health problems. However, sorting through your Cigna insurance plan may be a little overwhelming and may leave you wondering if you will be able to take advantage of the benefits this insurance company has to offer. There’s no need to worry, however, because our knowledgable team here at 1st Step Behavioral Health is here to help you navigate through your policy to find out what will be covered by your plan.

One of the benefits of having Cigna health insurance is that this company offers educational resources to help people to learn more about mental and behavioral health as well as addiction. Their Behavioral Health Division is instrumental in providing individuals and their families with seminars, podcasts, and other helpful tools. 

These resources can be helpful to those who are dealing with addiction and those who have loved ones who are suffering from this issue. Individuals can learn more about the signs, symptoms, and effects of addiction and receive advice and direction through these resources.

Many times, people who struggle with mental and behavioral health problems feel concerned about whether or not their insurance companies will cover their mental health care and treatment. But, Cigna works to provide coverage for those who need behavioral health care. 

However, this insurance company offers coverage for some care options while not covering others. For example, individuals who choose to go through aromatherapy to treat a behavioral or mental health disorder may not receive coverage from Cigna because this treatment approach is experimental.

According to the Affordable Care Act and other legislation, insurance companies must offer coverage for substance abuse rehab. But, coverage details are dependent upon the type of treatment plan an individual has and where the person lives. So, if you have Cigna health insurance, your insurance company may provide at least some type of coverage.

About In-Network and Out-of-Network Facilities

Cigna offers coverage for inpatient (residential), partial hospitalization, outpatient, and intensive outpatient detox and treatment programs. But, you may be wondering if your treatment center has to be an in-network treatment facility. In other words, you might be uncertain about whether or not Cigna requires you to get treatment from a rehab center that already has an agreement with your insurance company. An out-of-network facility is a rehab center that doesn’t have an arrangement with Cigna.

Well, it’s helpful to first note that Cigna insurance plans usually come in two forms: HMO or PPO.

HMO (Health Maintenance Orgaorganization) Plan: It usually offers coverage for services that are provided by HMO-contracted facilities.

PPO (Preferred Provider Organization) Plan: These plans are generally more flexible; individuals may be able to get treated at an out-of-network facility but they may need to pay a higher out-of-pocket expense than it would be if an in-network facility was chosen.

The Details Cigna Insurance Plans Will Vary

One thing that’s important to understand is that, although Cigna insurance may be accepted by many drug rehab centers, coverage options and details will vary. The amount of coverage Cigna offers for treatment depends heavily on: 

  • The state in which a person lives
  • The type of insurance plan an individual has
  • Whether the facility is in-network or out-of-network
  • The type of treatment facility the individual plans to attend

Sp, it’s very important to get a better understanding of your policy by contacting professionals who can help you. The good news is that our team here at 1st Step can help you to find out more about your policy’s coverage and benefits. You can also contact your insurance company to get more information regarding your plan. 

Coverage for Mental Health Treatment Through Cigna

Again, Cigna has a Behavioral Health Division and works to help cover the cost of mental health care for plan holders. This is helpful for those who are suffering from co-occurring disorders and have a dual diagnosis. Unfortunately, many people who struggle with alcoholism or drug addictions also deal with the effects of behavioral and mental health disorders. Some of the commonly seen co-occurring disorders include:

  • Trauma
  • Depression
  • Anxiety
  • Schizophrenia
  • Eating disorders
  • Personality disorders
  • Obsessive-compulsive disorder  (OCD)
  • Post-traumatic stress disorder (PTSD)
  • Attention-deficit hyperactivity disorder (ADHD)

These and many other disorders often impact the lives of individuals who are suffering from substance abuse. Sometimes, mental disorders or behavioral health disorders actually cause addiction. Individuals may become overwhelmed by the symptoms of their disorders, leading them to abuse their medication, excessively use alcohol, or use illicit drugs in order to escape from their symptoms. This can lead to drug addiction or alcoholism.

In other cases, people may develop a mental health disorder as a result of their addiction problem. For example, a person may develop an eating disorder or begin suffering from clinical depression because of the negative effects of substance dependence.

Dual diagnosis treatment programs can help those who are dealing with the impact of co-occurring disorders. If you are in need of support and treatment for behavioral health problems and substance abuse, you can contact Cigna to learn more about coverage details for treatment. Or, you can call us here at 1st Step!

Cigna Coverage for Medical Detox

A medical detox program may be necessary before the addiction treatment process begins. Many substances, such as cocaine or benzodiazepines, can produce serious and intense withdrawal symptoms. This is why it’s extremely important for individuals to avoid detoxing from and substance use without the guidance and supervision of clinical professionals. Quitting substance use “cold turkey” (abruptly) can be very dangerous and even fatal. Thankfully, many Cigna insurance plans cover medical detoxification programs.

Of course, as with treatment for addiction and mental health, the specifics of your plan’s coverage will depend on the type of plan you have and the type of detox center. The type of program you enroll in might determine whether or not you get coverage. For example, your policy may cover a traditional detox program but not a rapid detox program.

Does Cigna Cover Both Inpatient and Outpatient Treatment?

Insurance policies usually cover inpatient and outpatient addiction treatment. But, coverage depends on the type of insurance plan an individual has. Inpatient treatment requires individuals to live at their rehab center during treatment while outpatient treatment does not. Also, outpatient treatment may be less expensive than residential treatment and may not take as long.

Again, coverage is determined by the type of plan a person has. Cigna offers various types of plans:

  • Bronze: For in-network inpatient treatment, there will likely be a 0% coinsurance. After you pay a deductible, your Cigna will cover the rest. Coinsurance for outpatient treatment may be between 0-50% and the plan may not cover out-of-network facilities.
  • Silver: Inpatient programs that are in-network may require a 30-50% coinsurance after you’ve paid the deductible. In-network outpatient facilities may require a coinsurance but others may require a copay. Also, the plan may not cover out-of-network facilities.
  • Gold: For in-network inpatient facilities, coinsurance may be 20-50%. For every visit to an in-network outpatient facility, minor coinsurance percentage or copay may be required. Also, the plan may not cover out-of-network facilities.
  • Platinum:  Small coinsurance or copay may be required if an individual is using an in-network facility. Individuals may be able to select out-of-network rehab centers. But, they might be required to pay higher coinsurance percentages.

Getting the Help You Need at 1st Step Behavioral Health

Here at 1st Step Behavioral Health, we understand the challenges you may be facing right now. If you’ve been living with a substance dependence problem, you have likely realized that this problem has affected you in many areas of your life. Now, you are looking for hope and you’re not sure where to turn. But, we are here to help you find the freedom you’ve been looking for. 

If you’re looking for a way to overcome substance abuse and treat any co-occurring disorders, please let us help you. Just contact us today by calling (866) 319-6126.

About the Author: Brittany Polansky

Brittany PolanskyBrittany has been working in behavioral health since 2012 and is a Primary Clinician 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.