CIGNA DRUG REHAB COVERAGE
What is my coverage for residential treatment?
Will I have to pay out-of-pocket for the essential services I need?
What if the best rehab program for me is out-of-network?
What happens if I am underinsured?
If you have a Cigna health plan, you have coverage for substance abuse and mental health treatment. However, you need to know what your plan covers before deciding on a rehab. Knowing your plan and what is covered can mean the difference between finding the rehab that perfectly fits your needs versus cycling through rehabs and paying more out of pocket.
Do you have Cigna insurance and need a quality rehab facility that has the programs and services you need to achieve lasting recovery? Principles Recovery Center is a top-rated South Florida drug rehab. Our Cigna addiction treatment programs are evidence-based and personalized to fit your needs to give you the best chance at long-term recovery. Call us today to learn more about how our South Florida addiction treatment can help you overcome your substance abuse issues.
WHAT LEVELS OF CARE CAN CIGNA HELP WITH?
WHAT DOES CIGNA COVER FOR DRUG AND ALCOHOL TREATMENT
For many people with a Cigna insurance plan, the first question is, does Cigna cover drug and alcohol treatment? The simple answer is yes. Thanks to the Affordable Care Act (ACA) provisions, substance abuse treatment is considered an essential service that must be covered by health insurance. This also includes mental health treatment in the event of a dual diagnosis. Cigna insurance can be obtained through your employer (if offered) after a standard probationary period. The second way is finding a plan through the Healthcare Exchange. It is important to note that Cigna substance abuse insurance may not be available in all states.
The coverage you receive depends on the level of your Cigna addiction treatment plan. Generally speaking, your insurance at Cigna rehab facilities will cover essential programs such as medical detoxification, individual, group, and family therapy, 12-step groups, life skills training, aftercare, case management, and medication management, among others. Talking to Cigna or the admissions team at a South Florida outpatient rehab can be vital in determining what your plan covers and what you may pay out of pocket.
If you are on a bronze plan, you will, on average, pay 40% of the costs, while insurance pays 60%. For a higher-level plan like a gold plan, you will pay only 20% for services while Cigna covers the rest. You will generally pay a higher deductible and copay for a lower tier plan, while a higher tier plan would feature a lower deductible and copays. It is also important that you choose Cigna in-network drug rehab because Cigna contracts those facilities to provide services for a flat fee and at a lower cost to you. If you seek treatment at an out-of-network rehab, many of the services you need may not be covered, and you will be spending a considerable amount out of pocket.
Call Principles Recovery today if you have questions about what services are covered and not covered under your Cigna in-network addiction treatment plan.
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MEDICAL DETOXIFICATION
IS NECESSARY
It serves as an initial primer for the remainder of the individual’s treatment process. If a patient were to simply skip the detoxification phase of the recovery and go straight into clinical treatment, it’s quite likely that he or she would be experiencing or suffering from withdrawal symptoms and immediately leave treatment and seek comfort in their drug of choice. Although the severity of withdrawal symptoms can vary from one person to the net, the majority of individuals who are suffering from withdrawal would have extreme difficulty participating in treatment even if they stayed. With certain substances like alcohol and benzos posing potentially fatal withdrawal symptoms, detoxification is a must in order to effectively produce the best treatment outcome.
ALCOHOLISM TREATMENT
DOES CIGNA COVER ALCOHOL REHAB
If you seek treatment at any one of the Cigna alcohol rehab centers, your treatment plan will be at least partially covered through your plan. As outlined in the previous section, the coverage you receive depends on your plan tier and the state where the treatment facility is located. Cigna alcohol rehab facilities offer coverage for essential services such as detox, therapy, medication management, and 12-step group support, among other services.
Choosing an in-network rehab is far more advantageous than an out-of-network rehab. You will pay lower rates, and the services that are provided will be of the highest quality. Out-of-network alcohol rehabs cost considerably more out of pocket, and services may be minimally covered at best or not even covered at all. It is important to thoroughly review your Cigna substance abuse plan before deciding on a rehab.
Do you need help understanding your Cigna substance abuse coverage? Principles Recovery’s experienced admissions team will carefully review your plan, and you will know what services and programs are covered. Call us today to learn more about our inpatient drug rehab in South Florida.
OUTPATIENT TREATMENT AND CIGNA
DOES CIGNA COVER OUTPATIENT REHAB
You may be looking at an intensive outpatient, traditional outpatient, or even a partial hospitalization program for treatment. You may be asking the question, does Cigna cover outpatient treatment? Cigna does cover outpatient treatment, and like inpatient treatment, the coverage level you receive depends on your plan. For example, a higher-tier program will have minimal or no coinsurance or copays, and there may be at least some coverage for out-of-network rehabs. Lower-tiered plans will have higher copays and coinsurance and generally will have no coverage of out-of-network rehabs.
If you find that you are underinsured, many Cigna rehab facilities offer alternative methods to help pay out-of-pocket costs. Talk to the admission team to learn more about sliding fee scales, scholarships, or other methods of payment. Principles Recovery Center accepts Cigna insurance and will work with you to get the treatment you need. Call us today to learn more about our dual diagnosis program in South Florida.
WE’VE GOT
YOU COVERED!
Insurance coverage for treatment is within reach. We are in-network with most insurance carriers in Florida.
ENSURE YOU ARE COVERED
HOW LONG WILL CIGNA COVER REHAB
Another consideration regarding your coverage is the length of time your treatment program will be covered while in rehab. In the past, many treatment programs were predominantly 30 days in length because that’s how long many insurance companies would cover rehab programs. Often, 30 days is not enough time for people to detox from substances and work on overcoming the underlying roots behind their addiction.
Thankfully, Cigna and many other insurance carriers understand that addiction is complex, and each person is unique in how they recover. Many rehabs offer more extended treatment programs that last 60 days, 90 days, and even longer. In general, Cigna will cover longer treatment stays. However, you must check coverage with the admissions team before you make your decision.
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PRINCIPLE RECOVERY ACCEPTS CIGNA INSURANCE
As one of South Florida’s premier rehabs, Principles Recovery offers Cigna addiction treatment programs that are evidence-based, extensively tested, and personalized to meet your specific needs. We are a family-operated rehab that offers a wide spectrum of services, including:
- Medical detox
- Outpatient
- Drug Rehab
- Partial hospitalization
- Dual diagnosis
- Outpatient
- Adolescent and teen programs
With three decades of proven experience, Principles Recovery is a destination for those struggling with substance abuse to transform and change their lives. We help all clients get the tools and support they need to live a solid recovery lifestyle. Contact us today and become empowered to live your best life.
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