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Cigna Insurance Coverage for Drug and Alcohol Rehabilitation 

Research shows, that rehab can cost between 5,000 to 50,000 dollars depending on the type of treatment, length of treatment and other factors. If you or a loved one needs help seeking treatment and finding the right rehab facility that suits their needs, have no fear! While rehab is expensive, having the right insurance policy will help cover a significant portion of your treatment at a rehab facility. 

Does Your Policy Cover Rehab?

Just about any serious medical condition has the potential to affect a patient, friends, and family. This is the case with drug and alcohol addiction. The physical and emotional toll it takes can often be far greater than the physical disease itself. Addiction is a disease that affects and controls every facet of a person’s life. 

Oftentimes, the reason people don’t reach out for help is either because they don’t realize they have or problem, they are embarrassed, and most importantly, because of the financial burden. Due to the popular perception that medical treatment is expensive, only a small percentage of individuals with addiction pursue treatment. 

At Sana Lake Recovery Center in Dittmer, MO, we are all about helping release the financial burden and identify the treatment programs that work best for you to recover, and live a long-term healthy and sober lifestyle. 

What people don’t know, is that the cost of rehab is very affordable compared to what would happen as a result of avoiding treatment altogether. Avoid serious complications such as overdose and relapse, and most importantly, death, by getting the help you need today! 

It can be overwhelming to go through your Cigna insurance policy to find out if they will cover the cost of drug and alcohol treatment for you or your loved one. At Sana Lake Recovery  Center, we are happy to tell you that paying for addiction treatment is no longer a burden. Our expertly trained staff of addiction specialists are ready and willing to help you navigate through the intricacies of your policy. All you need to do is call and we will take care of the rest.

Cigna Insurance for Drug And Alcohol Treatment

Rehab is the most effective way to recover from a substance use disorder. Addiction centers nationwide vary in price for each level of care. People with more severe substance use disorders likely need extended and more intensive treatment. Intensive care generally is more expensive than the standard treatment. 

As a global health organization, Cigna insurance companies have a mission to provide affordable health care to people nationwide. They have made it possible for 86 million people suffering from drug and alcohol addiction to find the treatment that they need. 

Depending on a person and their specific needs, Cigna insurance provides a range of benefits that can cover treatment for substance abuse. As there are a variety of treatment options available, coverage depends on which state you live in, and which individual plan has been purchased. Remember, that everyone and their needs are different, so treatment options will vary. 

Common Cigna coverage includes some of the costs associated with the following services of care: 

Helping You Navigate Your Cigna Drug Rehab Policy

There are many addiction treatment facilities (rehabs) across the country that accept Cigna insurance for a variety of substance abuse treatment services. Cigna maintains more than 1 million partnerships with treatment centers, physical and behavioral health care professionals, and facilities, offering a network of physicians and hospitals for its members, including 550,000 within the United States. and more than 141,000 in other parts of the world. 

If you are covered by Cigna, then you should have several treatment options to choose from, which will lead to a successful long-term recovery from addiction, and take back control of your life. 

Addiction Prevention Tools and Resources with a Cigna Policy

Cigna is a reputable insurance company because not only do they allow a person suffering from substance abuse to get help, they also offer coverage options for various treatment services provided at rehab facilities around the world, as well as, resources and tools to assist with relapse prevention and coping mechanisms to help with transitioning through life during and after recovery.

In addition to the coverage you expect from your health plan, Cigna offers a variety of programs and services to help make your life easier and healthier. You must review your plan materials to see which Cigna programs and services may be included with your specific plan or offered by your employer. 

Chronic pain affects millions of people around the world, and it is debilitating. Cigna is the leader in contributing their efforts to help decrease overdoses and death rates due to opioid addiction and misuse. This epidemic is on the rise, and Cigna wants to play a major role in ending the cycle. 

With just a 10-day prescription 1 in 5 people have an increased risk of opioid addiction. Therefore, in 2018, Cigna decided to create a pain management plan called the 1-in-5 campaign. This program or campaign was implemented as a pain resource hub, where consumers could find information, educational material, and resources about pain, how it manifests, and most importantly how to treat it, but safely. 

Policy Coverage for Substance Abuse with Cigna Insurance

Depending on your location, and your needs, Cigna offers different plans, and depending on your policy, the benefits and coverage will vary. The policy’s available through Cigna are bronze, silver, platinum, and gold. 

Cigna’s lowest plan, bronze offers lower premiums, which means individuals with this plan may face higher deductibles and copays, which means they may have to pay a little extra money out-of-pocket. The other two plans called gold and platinum will give people more comprehensive coverage with lower deductibles. 

Contact your health insurance provider to review your specific policy, to determine the types of substance abuse treatment services that are covered. 

How Cigna Policies Work for Addiction Treatment Centers

Many Cigna customers have medical insurance that may cover a portion of or the total cost of treatment at a drug and alcohol rehab center. Although coverage is largely based on the specifics of each client’s policy and the location, you may be able to use your Cigna medical insurance to supplement the cost of drug rehab.

The best way to find out how much your Cigna insurance will cover and how much will come out of your pocket is to verify your benefits with the rehab facilities admission team.

Does it Need to be In-Network?

Not all Cigna insurance plans require your treatment center to be in-network, meaning that the rehab facility that you have chosen, has negotiated a contracted rate with your health insurance company. 

It is important to note, that using an out-of-network insurance provider, meaning the facility providing treatment services does not have a contract with your specific insurance company. This usually increases your chances of having to pay for a portion of your treatment with co-pays, or additional money out-of-pocket. 

Some plans may not cover any out-of-network services, while others, such as Cigna, will cover certain portions after a deductible or coinsurance has been met. 

About Coverage for Detoxification

When you or someone you love first enter a rehab facility for substance abuse and addiction, the first is intake, or a process called detoxification. This occurs to rid the body of the chosen substance and reduce symptoms of withdrawal. Depending on the type of addiction someone has, detox is usually the routine process before treatment begins. So, in the case where detox is necessary, you must be educated on Cigna’s insurance policy on drug and alcohol detox. 

Depending on what type of Cigna policy you have chosen, a portion of the detox process is covered by insurance, just like treatment. As mentioned before, how much coverage you receive for treatment, highly depends on various factors including,  the plan chosen, the person, their needs, and the type of facility chosen. 

Individuals who are covered by Cigna, and are specifically looking for facilities who specialize in detoxification, will most likely find a rehab facility without a problem. However, just to make it easier on yourself, the best way to find out which centers in your area are covered by your insurance and do the detox process, is to call your insurance provider. You can also call our specialists here at Sana Lake Recovery Center for assistance. 

Cigna Covers Inpatient Treatment

For those seeking inpatient (residential) treatment, everyone needs are different, and therefore, each Cigna insurance policy does too, especially depending on where you live. During residential treatment, patients will live at their chosen facility and receive extensive therapy and support. Cigna does cover services and treatment at an inpatient rehab. 

If your insurance policy covers your addiction treatment, it will do so regardless of the type of substance abuse problem. That means the policy should be able to help, whether you’ve been suffering from a dependence on opioid painkillers or an addiction to alcohol.

Costs and Services at Inpatient Rehab

It’s important not to let the costs of treatment deter you from getting the help you deserve. Therefore, it is important to mention, that there’s a wide range of alternative methods to help with addiction treatment expenses outside of what your insurance will cover. However, for those whose insurance policy is in-network, the types of treatment available depending on your location and other varying factors. The inpatient rehab services covered by Cigna include:

  • Acute Inpatient Substance and Drug Detoxification
  • Inpatient Treatment for Substance and Drug Disorders
  • Partial Hospitalization for Substance and Drug Disorders

For inpatient rehab, Cigna offers the following plans: Bronze, Silver, Platinum, and Gold. Here is a breakdown of the rough cost estimate for Inpatient Rehab with commonly used plans with Cigna: 

Bronze plans: Cigna’s Bronze plan gives people 0 percent coinsurance, meaning 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. 

Silver plans: Cigna’s Silver plan has coinsurance which usually is 30-50 percent after your deductible is met. Out-of-network services may or not be covered. 

Gold plans: Cigna’s Gold plan has 20 to 50 percent coinsurance after the deductible is met. Similar to the other plans, providers may or may not be covered depending on the state the policy was issued. 

Platinum plans: Cigna’s Platinum plans have 10 to 30 percent coinsurance after meeting the deductible. Some plans may cover out-of-network programs at a higher coinsurance percentage.

Cigna Coverage for Mental Health Treatment

For those suffering from addiction and substance abuse, many people do not realize how much mental health plays a role. While mental health, in general, is the foundation of our health, there is an ongoing stigma surrounding it. 

What affects our mind affects the body. Oftentimes, mental health disorders are found to be undiagnosed. Truth is, those who suffer from substance abuse often have a mental health disorder, and vice versa, people with a mental disorder resort to abusing drugs and alcohol as a way to cope. Some of the most common mental health disorders include:

When someone has substance abuse issues in conjunction with a mental health disorder, this is known as dual-diagnosis or co-occurring disorder. As mentioned above, mental health disorders and substance abuse often occur simultaneously, and therefore must be treated together professionally. 

Those who suffer from co-occurring disorders can find treatment options that will cater to their individual needs. Insurance plans should provide the same coverage for mental health, as they do so for physical health concerns. 

Cigna can help to provide coverage for this treatment. But, again, it’s important to speak with our professional team to discuss the mental health coverage of your policy, as it is best to know what your options are so that the best resources are utilized to fit your specific needs. 

Helping You Understand Your Cigna Benefits

Here are some other benefits to being a Cigna policyholder and enlisting the help of Sana Lake Recovery Center’s Services:

  • We’ll thoroughly review your Cigna health insurance plans. 
  • We’ll help determine if you are covered for substance abuse treatment.
  • We’ll help determine what kind of treatment and how much is covered.

Cigna health insurance is accepted by almost every treatment center in the United States, and we will help identify which ones will work best with your policy.

The Sana Lake Addiction Treatment Services Promise

At Sana Lake Recovery Center, we understand those suffering from addiction and substance abuse. Therefore, we strive to help our patients receive the best high-quality care for their specific needs. Our specialists understand that everyone is different, and therefore, treatment is not a one-size-fits-all approach. 

We promise to find each of our patients the right comprehensive treatment plan to treat all of their needs effectively. If you are feeling burdened by something, such as finances, and it is stopping you or a loved one from finding treatment, know that help is always available no matter what. Contact us today to learn more about addiction treatment with Cigna insurance. You can also call us at (636) 707-2097. 

Article Reviewed by David Sherman, MD

David Sherman, MDDavid Sherman, MD is a Fellow of the American Society of Addiction Medicine (FASAM) and board certified in Addiction Medicine with the American Board of Preventive Medicine. He is a native Missourian and graduated medical school at the University of Missouri-Columbia School of Medicine. Dr. Sherman completed a two-year fellowship in Addiction Medicine at the University of Florida in Gainesville. He leads a highly trained staff of master level certified addiction professionals. Men and women from all over Missouri and the United States come to Sana Lake Recovery Center to get the care they need and deserve.