Key Takeaways
- Cigna is a global health insurance provider that covers a wide range of drug rehab services — including medical detox, residential treatment, outpatient programs, medication-assisted treatment, and dual diagnosis care — though the extent of coverage depends on your specific plan.
- When you look at your Cigna plan, you want to pay special attention to dual diagnosis treatment. Dual diagnosis treatment covers addiction as well as mental health services, and requires separate verification of coverage.
- Most rehab services, especially detox and residential treatment, generally require pre-authorization from Cigna, so be sure to check before starting a program.
- Typically out-of-pocket costs with Cigna involve a deductible, coinsurance, and copayments — choosing an in-network provider and facility with clear pricing helps avoid surprises.
- Lakes Treatment Center accepts Cigna drug rehab insurance and provides the full range of covered programs including dual diagnosis, MAT, medical detox, and inpatient and outpatient treatment, with complete pricing transparency so you can focus on your recovery.
A very common problem that stands in the way of many people getting the addiction recovery help that they need is the expense. Although a necessity in most situations, drug rehab is quite costly, especially if you require more extensive treatment. That is why it is important to have the right drug rehab coverage, such as the coverage provided by Cigna.
In this post, we will explore what Cigna drug rehab coverage entails and the types of services it can help you pay for. We will also discuss your potential out-of-pocket expenses so that you know exactly what to expect when you begin addiction treatment.
What is Cigna Insurance?
Cigna is a global health insurance service company that provides a variety of insurance plans, mostly known for its medical and dental insurance. This insurance is available to employers and individuals, allowing you to find the type of policy that is tailored to meet your specific healthcare needs.
Individuals can use Cigna as a way of paying for doctor visits, medications, hospital stays, and other related healthcare expenses. The type of services you have coverage for will depend on your plan.
An added benefit to using Cigna health insurance is that it is global, allowing you to still use your insurance coverage, no matter where you are.
Does Cigna Cover Drug and Alcohol Rehab?
If you are suffering from substance abuse, no matter what form this takes, the good news is that Cigna provides drug rehab coverage. This is one of the many types of coverage it provides, covering a wide range of rehab services to fit your specific substance use disorder.
Keep in mind that the coverage you have access to is completely dependent on your specific Cigna plan. But, with that being said, here are the main drug rehab services that Cigna may be able to cover.
Medical Detox
Medical detoxification allows you to go through the withdrawal process under 24/7 medical supervision. Medical detox helps to ensure safety, as you will be under the care of a medical team who can help you manage withdrawals, as well as provide medication, if necessary.
Residential Treatment
Inpatient treatment, or residential treatment, is when you will live on-site 24/7 throughout the duration of your rehab program. You will have constant access to your care team and can complete your program in a safe and stable environment.
Residential care also includes access to things like group counseling, individual therapy, life-skills training, etc.
Medication-Assisted Treatment
Medication-assisted treatment, otherwise known as MAT, is when your addiction care team will use FDA-approved medications as part of your rehab program. These medications can help make the recovery process safer and more comfortable, as well as improve your chances of long-term sobriety.
Outpatient Programs
Outpatient programs offer a great deal of flexibility, allowing you to go through drug rehab without having to live on-site. You can come and go as you please, continuing to maintain personal responsibilities, such as work or school.
Dual Diagnosis Treatment
Dual diagnosis treatment is specifically designed for those suffering from co-occurring disorders, which usually take the form of a substance abuse disorder and a mental health condition. This type of treatment addresses both disorders at the same time, improving the chances of long-term recovery and better overall health.
It’s especially important to confirm whether or not your plan covers dual diagnosis treatment since this includes both addiction and mental health services.
Additional Recovery Services
Addiction treatment takes many forms and can encompass a variety of services, depending on your specific needs. Because of this, Cigna drug rehab coverage may provide additional coverage for addiction services, such as:
- Individual therapy
- Group or family therapy
- Psychiatric care
- Holistic or wellness-based therapies
- Psychiatric evaluations
- Medication management
- Cognitive behavioral therapy
- Partial hospitalization
- Telehealth services
How to Use Cigna Drug Rehab Coverage
Navigating insurance coverage is notoriously challenging, especially since every plan is different. The good news is that Cigna is relatively user-friendly, allowing you to easily access your coverage to determine what drug rehab treatment you can pursue.
You first need to understand the specific coverage you have access to, which you can verify by logging into the member portal. The coverage summary should outline all of the treatment options you have and the specific services they cover.
Additionally, you could always call the member service number to speak to a live agent to better understand what your plan includes. This is a good option if you aren’t sure what your out-of-pocket costs will be.
Cigna provides a database of in-network providers that you can use to easily find treatment that your plan covers. Also, Cigna is one of many insurance companies that usually requires a pre-authorization for the majority of rehab services. This is usually a requirement for detox or residential treatment.
Contact Cigna directly for more information about what your Cigna insurance covers.
Understanding Your Out-of-Pocket Costs With Cigna Drug Rehab Coverage
Even when you have insurance coverage, like Cigna drug rehab coverage, you might still have out-of-pocket expenses. Unfortunately, this is quite common, as most insurance plans only cover a percentage of the cost of treatment, not the entire cost. But this will be completely dependent on your plan.
Here is a breakdown of the most common out-of-pocket costs you will usually be responsible for paying when you have Cigna health insurance:
- Deductible: A deductible is the fee you pay annually for all of your covered healthcare services before your coverage begins. Generally speaking, the higher your deductible, the more coverage your plan provides.
- Coinsurance: Coinsurance is the percentage of your healthcare costs that you are expected to pay after your deductible. For instance, if your plan’s coinsurance is 80/20, this means your insurance plan covers 80% of your costs, while your out-of-pocket responsibility is 20%.
- Copayments: Copayments are the out-of-pocket expenses you are responsible for paying for your healthcare services at the time of service. Usually, this will be a set amount depending on the type of healthcare service that will be written on your insurance card.
You should also choose a recovery facility that provides transparent pricing so that you know exactly what to expect when you begin treatment.
Why Choose The Lakes Treatment Center For Your Drug Rehab Needs?
At The Lakes Treatment Center, we prioritize accessibility so that everyone has access to the right treatment they need to make a successful recovery. We accept a wide array of insurance policies and provide complete pricing transparency. That way, you don’t have to worry about having to pay out of pocket, or costly payment plans. You can just focus on getting better.
We also provide all of the most commonly covered substance abuse treatment programs. This includes programs like:
- Dual diagnosis treatment
- MAT
- Medical detox
- Outpatient treatment
- Inpatient treatment
All of our programs have a strong focus on sustainable recovery through multiple relapse and aftercare resources. We also provide individual, family, group, and evidence-based therapies to support long-term recovery.
You can request insurance verification here.
Start Your Recovery Journey Today at The Lakes Treatment Center
If you are battling substance misuse, getting help needs to be your number one priority. The problem with this is that most individuals cannot afford the cost of rehab on their own. So, if the cost of addiction treatment is standing in your way, Cigna drug rehab coverage may be just what you are looking for.
At The Lakes Treatment Center, we recognize that the cost of addiction treatment can often create a barrier, keeping you from getting the care that you need. That is why we accept a variety of insurance policies, including Cigna, so that you can begin your recovery journey as soon as possible.
Are you ready to begin your recovery journey and feel like yourself again? If so, contact us immediately at The Lakes Treatment Center to learn more about appropriate treatment and the insurance policies we accept.
FAQs
Q: Does Cigna insurance cover drug and alcohol rehab?
Yes, Cigna insurance benefits for drug and alcohol rehabilitation services often include coverage for:
- Partial hospitalization programs
- Intensive outpatient programs or outpatient rehabilitation
- Inpatient treatment or inpatient rehab
- Group therapy
- Mental health treatment and dual diagnosis care
- Prescription drugs for treatment services
Keep in mind benefits depend on your specific health insurance plans. Contact your Cigna representative for more information about your Cigna coverage.
Q: What does my Cigna plan pay for in regards to addiction treatment?
To see your coverage summary, log in to the Cigna member portal or call the member service number to speak with a live agent who can walk you through your specific benefits and out-of-pocket costs.
Q: Does Cigna require preauthorization for rehab?
Yes — Cigna typically requires pre-authorization for most rehab services, particularly for detox and residential treatment, so it’s important to verify this before enrolling in a program.
Q: What are the potential out-of-pocket expenses for Cigna drug rehab coverage?
Most Cigna policyholders will pay a deductible, coinsurance and copayments — the specific amounts will depend on your plan. Keeping your costs as low as possible will be aided by choosing an in-network provider.
Q: Does Cigna provide dual diagnosis treatment?
Many of Cigna’s plans include coverage for dual diagnosis treatment. Since it covers both addiction and mental health services, it’s worth checking separately. Confirm with The Lakes Treatment Center admissions team or Cigna.
Q: How do I get started with treatment at The Lakes Treatment Center using my Cigna coverage?
Call The Lakes Treatment Center today. Their team will verify your Cigna benefits, walk you through your coverage options and costs, and match you with the right treatment program so you can start recovery as soon as possible.
