Cigna Drug and Alcohol Rehab Coverage

Cigna rehab coverage will often cover some of the cost of addiction treatment for Cigna members struggling with substance use disorder. 

When someone receives addiction treatment, their insurance will often cover at least some of the costs. That includes Cigna, one of the largest insurance companies in the country. Depending on your state, plan and health needs, Cigna’s insurance might cover a range of inpatient or outpatient rehab and mental health services.

Cigna Provider Overview

Cigna, based in Connecticut, is a health insurance provider with members nationwide. When someone with Cigna insurance goes to an in-network care provider, they can avoid some of the higher out-of-pocket costs, including addiction treatment for drugs and alcohol. The Recovery Village Ridgefield works with Cigna.

Cigna Plans and Coverage Levels

Health plans from Cigna fall into different categories. Specific benefits of Cigna health plans differ depending on the state where you live, your employer if you get insurance through them and if you get a plan through an Affordable Care Act marketplace instead of your employer.

A health maintenance organization or HMO plan from Cigna usually limits the providers you can see, but your out-of-pocket costs may be lower. An exclusive provider organization or EPO plan is more flexible in regards to the facility or provider you can visit, but some services may not be covered if you’re out of network.

Cigna offers preferred provider organization (PPO) plans that provide options to see the widest number of providers. However, if you go out-of-network, you may still have higher out-of-pocket costs.

A Cigna PPO or HMO plan will include the following levels:

• Bronze: Under this plan, you would be responsible for around 40% of your care costs, with Cigna paying 60%. This is a lower-cost plan than the others.
• Silver: Cigna’s silver plans pay around 70% of the care costs, with the policyholder responsible for 30%. These are moderately-priced plans.
• Gold: Cigna gold plans will pay 80% of care costs; you would be responsible for 20%.
• Platinum: This high-level plan is the most expensive from Cigna but pays 90%, while you’re responsible for the other 10%.

Does Cigna Insurance Cover Drug and Alcohol Rehab?

Cigna will cover substance misuse treatment for members — the insurer partners with nationwide rehab centers to help members pay for rehab costs. When it passed, the Affordable Care Act mandated that insurers include addiction treatment as an essential health benefit, offering coverage.

Does Cigna Cover Mental Health Services?

As is the case with addiction treatment, insurers must cover mental health services as an essential benefit. Cigna may cover several inpatient or outpatient mental health services. These services may include medication management and different types of talk therapy. Talk therapy, also known as psychotherapy, can consist of cognitive-behavioral or dialectical behavioral therapy, which your Cigna policy may cover.

Cigna and Medication-Assisted Treatment

When someone receives addiction treatment, their care team may prescribe certain medications. Medication-Assisted Treatment, or MAT, integrates the use of medicines for opioid or alcohol use disorder to reduce cravings and withdrawal symptoms. The medications have approval from the Food and Drug Administration (FDA) for the treatment of addiction and dependence and, as such, may be covered fully or partially by Cigna pharmacy benefits.

Cigna Treatment Duration

When someone goes to rehab for addiction, they might participate in different levels of care, known as a continuum of care. A person might begin their treatment journey with medical detox as they go through withdrawal symptoms. Then, they might have a time when they’re in residential inpatient rehab, which includes onsite living for anywhere from 30–90 days in most cases. 

The severity of the addiction, whether other treatment approaches have been tried, and the specific program someone is participating in will affect how much of an inpatient stay Cigna will cover and how long they’ll cover treatment.

Once a person completes an inpatient program, as they’re ready, they might begin lower levels of care like outpatient rehab. The time this more flexible treatment is covered depends on the individual plan and specific situation.

Washington State Rehab That Accepts Cigna

The Recovery Village Ridgefield accepts Cigna rehab coverage. Our treatment programs are expert-led, evidence-based and caring. We encourage you to reach out to a Recovery Advocate at The Recovery Village Ridgefield, who can help you with the next steps and verify your insurance benefits for addiction treatment. You can also contact Cigna directly to verify your insurance.

Reach out today if you have questions or are ready to take the next steps toward recovery.