Cigna healthcare provides worldwide health services to more than 180 million consumers in over 30 countries.
With its reach, Cigna’s policies and inclusions for coverage can be complex.
You might wonder if Cigna insurance covers drug and alcohol detox or rehab. In most cases, your substance abuse treatment should be covered in whole or in part as a medical necessity.
The Recovery Team accepts Cigna. We’re proud to work with the insurance to provide substance use disorder treatment to their members. Our relationship with Cigna is effective and helpful for our clients to maximize benefits and minimize out-of-pocket expenses.
If you have a Cigna policy, get your free verification of benefits through consultation with The Recovery Team.
Who Does Cigna Insure for Substance Use Disorders?
Cigna insures millions of people across the globe, offering health insurance plans for individuals and their families, usually through an employer. If you or a family member has a Cigna plan, you have several options for pursuing substance use treatment programs through us because we’ve worked with the insurance for over two decades.
Our aim—alongside Cigna—makes treatment available to millions of members on most plans. Since each policy offers unique substance abuse treatment coverage, it’s essential to verify your benefits. You can call or text us to confirm Cigna’s drug and alcohol detox or rehab benefits.
Can I Receive Addiction Treatment through Cigna Health Insurance?
Policies vary, but all insurance companies in the United States must obey federal law in covering medical necessities like substance abuse. In the United States, addiction is recognized as a medical health issue, deserving the same treatment as any other behavioral health condition.
Many Cigna plans can cover all the expenses for drug and alcohol rehab centers, including medically supervised detox, inpatient residence, and outpatient treatment. Other plans may have limitations for substance use disorders with deductibles and some out-of-pocket costs.
That’s why our treatment facilities contact Cigna on your behalf and clarify your benefits for substance use treatment. You’ll know your actual financial responsibility after insurance as we make treatment transparent and affordable.
Verify benefits through us to determine how much Cigna covers for drug rehab in an addiction center or detox program. Knowing your Cigna benefits and coverage will help you focus on recovery rather than worrying about copays.
Will My Cigna Plan Cover Drug and Alcohol Treatment?
Having worked with Cigna for more than 20 years, we know how to maximize coverage for drug rehab at our addiction treatment center. Typically, coverage depends on the medical necessity of your care, and our team determines medical necessity for clients.
This limits expenses by showing your medical needs as a patient and client to the insurance company. If Cigna doesn’t cover all costs, their in-network and out-of-network conditions guide payments:
- In-network providers help you avoid paying the total cost of treatment with agreed-upon prices for services.
- Out-of-network providers can offer services, but the cost of treatment isn’t negotiated with Cigna in advance.
Our insurance team can check your coverage if you have concerns about your Cigna plan’s addiction treatment coverage. Have us examine your plan, contact Cigna, and ensure you take advantage of all your drug treatment options.
What Will Cigna Health Insurance Plans Cover for Addiction Treatment?
Cigna drug rehab coverage may cover all addiction treatment costs at The Recovery Team. Other plans have limits with some direct, out-of-pocket costs.
Cigna could choose to cover some or all of the following medical rehab services:
- Medically supervised detox
- Substance use disorder therapies
- Individual and group counseling
- Addiction treatment services on an outpatient basis
- Residential treatment or inpatient rehabilitation
- Tests, diagnostics, and evaluations
- Aftercare plans and support
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Programs for Cigna Health Insurance
Cigna insures millions of Americans on varied plans. Working with Cigna on your behalf, we make treatment options more available by showing medical necessity and making your insurance coverage support your treatment.