Cigna Rehab Insurance For Addiction Treatment
Cigna is a worldwide health service company that helps people better their overall health and well-being. It serves more than 95 million people around the globe. [1] Cigna provides coverage for a range of treatments that help people recover from substance use disorders. Cigna insurance also provides coverage for mental health services for mental illnesses such as anxiety and depression.
The level of coverage you receive from Cigna insurance for substance use treatment will vary based on your plan and the state you live in.
Preauthorization is usually required for the treatment of substance use disorders. Preauthorization, also known as prior authorization or prior approval, is when your health insurer determines that a treatment or equipment is medically necessary for your condition. Those who require preauthorization for substance use disorder services and fail to obtain it may be responsible for paying the full cost of treatment.
You may also be required to meet a deductible and/or pay a copayment or coinsurance if the services you receive are not fully covered. A copayment is a flat amount you pay for the services; coinsurance is a percentage of the costs that you pay. A deductible is an amount you pay for covered services before Cigna will pay for services.
What Is Cigna Rehab Insurance?
A global health organization, Cigna has more than 86 million customer relationships around the world. Along with its mission to provide affordable healthcare for basic needs, the company helps its members with addiction treatment.
Although coverage varies depending on your individual plan, recovery services may consist of:
Cigna Rehab Insurance Resources
To better support those who face drug or alcohol addiction, Cigna started a Behavioral Health division. In addition to providing articles, tools, and podcasts for individuals and family members, the division now includes an education series.
Cigna’s free education series provides information on the physical, mental, and emotional signs of addiction. Each lesson offers advice for those in recovery, as well as their family members. While these seminars provide information on addiction and substance abuse, they are not intended to replace the care of a doctor. You should always consult with a medical professional about the appropriate treatment for your condition.
Cigna Policy Coverage For Substance Abuse
Cigna insurance covers substance abuse treatment for its members. Cigna has partnerships with addiction rehab facilities throughout the country to provide a variety of detox, inpatient residential, and outpatient services at discounted rates to members. The Affordable Care Act (ACA) requires that insurance companies provide some degree of coverage for mental health treatment, which includes substance use disorder (SUD) treatment (including coverage for drug and alcohol addiction). [2]
Depending on your Cigna insurance plan, your benefits and coverage will vary. For instance, Cigna’s lowest plan – bronze – offers lower premiums, but individuals may face higher deductibles and out-of-pocket expenses. But for those with gold or platinum plans, you receive more comprehensive coverage with lower deductibles.
In regards to substance abuse treatment, the services insurance covers and the expenses you will be responsible for depending greatly on the type of plan and the state you reside in. Contact your health insurance provider to review your policy and determine the types of treatment services that are covered by your plan.
Cigna Rehab Insurance Coverage For Inpatient Alcohol Rehab Texas & Drug Abuse Inpatient Rehab Texas
Inpatient substance abuse treatment programs that Cigna insurance may cover include:
- Acute Inpatient Substance and Drug Detoxification
- Inpatient Treatment for Substance and Drug Disorders
- Partial Hospitalization for Substance and Drug Disorders
Do Treatment Centers Need To Be In-Network?
While not all Cigna insurance plans require your treatment center to be in-network, it’s important to note that using an out-of-network provider usually increases your out-of-pocket expenses. Some plans may not cover any out-of-network services, leaving you with the entire bill. However, other plans will cover certain portions after a deductible or coinsurance has been met.
Many out-of-network treatment options require a pre-certification. This involves Cigna reviewing the request against nationally recognized guidelines. In cases that require a pre-certification, Cigna will determine what services are covered based on your plan. Refer to your policy or call the number on the back of your insurance card to find out what treatment options are available to you.
Inpatient Rehab Service And Costs
Insurance coverage and out-of-pocket expenses may fluctuate depending on your specific plan and where you’re located.
| Inpatient Rehab Coverage Estimates | |
|---|---|
| Cigna Insurance Bronze plans | Typically have 0% coinsurance for in-network providers which means Cigna will pick up the costs after you pay your plan’s deductible in full. For out-of-network services, some plans will help cover costs while others may not. |
| Cigna Insurance Silver plans | In-network programs coinsurance usually falls between 30 to 50 percent after the deductible is met. Out-of-network services may or not be covered, depending on the state you reside in. |
| Cigna Insurance Gold plans | Coinsurance for in-network plans can range from 20 to 50 percent after the deductible. Similar to the other plans, out-of-network providers may or may not be covered depending on the state in which the policy was issued. |
| Cigna Insurance Platinum plans | 10 to 30 percent coinsurance after meeting the plan’s deductible. Some plans may cover out-of-network programs at a higher coinsurance percentage. |
How We Can Help? Searched for “Cigna Insurance for rehab treatment” or are you seeking a national inpatient rehab destination?
Using an inpatient rehab program means staying in a facility for the rehabilitative therapy and care you need. This requires being admitted to a rehab program and staying there – similar to a regular hospital – until treatment is complete. The length of your stay may be anywhere from a few days to a month or more, depending upon your individual needs.
These short-term programs may be offered in stand-alone rehabilitation hospitals, specialized wings of acute-care hospitals, or skilled nursing facilities. Individuals admitted to inpatient rehab facilities receive comprehensive rehabilitative care via a tightly-coordinated, physician-led multi-disciplinary team of rehabilitative professionals. The team will typically include rehabilitative physicians and specialists, rehabilitation nursing staff, physical, occupational and speech therapists, nutritionists, social workers, counselors, and care coordinators, among others, according to the specific needs of each patient. [3]
Admission to an inpatient rehab program means that you will undergo intensive rehabilitative therapy, working with therapists for a minimum of three hours daily. You can also expect to have access to in-house rehab equipment, facilities, and staff during your stay, giving you the opportunity to work toward your rehabilitation goals between therapy sessions in a safe, supervised environment.
You will have 24-hour medical monitoring and care, including pain management and wound care, if necessary. All meals and personal care will be provided, and many inpatient rehab facilities offer a number of amenities, including indoor pools and/or spas, internet access, and/or recreational facilities.
You’ve come to the right place to get the addiction treatment that will make a lasting difference. We Level Up TX accepts most insurance rehab plans. We understand and know how to negotiate with insurance companies to ensure an affordable treatment experience. If you haven’t already please give us a call so we can tell you more about how our program can help set you or your loved one up for success.
We have helped countless patients and their families rid themselves of their addiction problems backed by lifelong alumni support. We Level Up Texas understands how important it is to rebuild your relationships with family and friends and regain a fresh career track to build your future. With We Level Up Texas rehab centers you’ll receive top-notch, specialized care at top insured rehabilitation centers. Come experience recovery in an elegant world-class serene environment.
If you or a loved one are dealing with an addiction to alcohol or other drugs, and especially if you have experienced multiple relapses in the past, then look no further. We Level Up Texas offers one of the most comprehensive, best drug rehab programs available in America.
We Level Up Texas is a multi-faceted drug & alcohol inpatient rehab that uses a repertoire of methods to generate practical solutions to major drug/alcohol challenges targeted toward families and individuals. We work to improve the health of the public and of individuals from a variety of angles. This includes constant research and innovation on substance abuse treatment models as paired with individuals and a conducive environment.
You’re not alone. Even if you have failed before and relapsed, we can help. We Level Up friendly TX addiction treatment specialists won’t give up on you. If you just can’t stop using you know you need help. Now. Whenever you need someone to talk to about treatment options to suit your situation, call us. Even if we can’t help you, we’ll guide you to where you can get help. There’s never any obligation.
We Level Up treatment center accepts Cigna Insurance and can help with inpatient therapy programs exclusively. Depending on the extent of secondary behavioral disorders such as addiction we can first help assess your condition and thereafter guide you to suitable treatment options. We do not provide outpatient and PHP services at this time. Call to learn more.
Sources:
[1] Cigna Insurance – Facts about Cigna
[2] Healthcare.gov. (2021) – Mental Health and Substance Abuse Coverage
[3] We Level Up – Treatment » Inpatient Rehab Centers
