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Does Cigna cover substance abuse coverage? Yes, it may cover. Cigna Healthcare is a global health organization that offers affordable treatment options through a variety of Cigna health plans. Currently, Cigna serves more than 19 million customers across 30 countries, offering Cigna substance abuse coverage for:
- Primary and preventive care
- Outpatient medical services
- Behavioral and mental health services
- Substance use disorder treatment
- Inpatient care
- Medication management
- Detox and rehab services
- Telehealth services
Looking for Cigna addiction treatment near me? ChoicePoint alcohol and drug rehab accepts Cigna substance abuse coverage for all levels of care and helps lower out-of-pocket expenses. Verify your insurance today by calling (844) 445-2565 or visiting the website. We are accepting patients nationwide.
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What Substances Does Cigna Insurance Cover?
Cigna insurance may cover all or part of the cost of rehab, depending on your plan. Cigna plans covering substance use disorder treatment cover most major addictions under the Mental Health Parity and Addiction Equity Act to ensure accessible treatment for individuals struggling with substance abuse.
Cigna substance abuse coverage includes:
- Heroin
- Prescription opioids
- Alcohol
- Marijuana
- Methamphetamine
- Prescription Stimulants
- Sedatives/Sleeping aids
- Benzodiazepines
- Cocaine
- Other drugs
Sobriety may seem like a challenge, but with the right support and care, it is possible. Verify your Cigna coverage with ChoicePoint today to get started.
Types of Addiction Treatments Covered by Cigna Insurance
Cigna’s substance abuse coverage covers a wide spectrum of addiction treatment services across multiple levels of care. Each level of care is designed to meet individuals where they are in their addiction and provide the support needed for lasting recovery.
Different types of addiction treatments covered by Cigna include:
1. Cigna Covered Outpatient Rehab
Outpatient treatment allows individuals to receive treatment while offering the flexibility to live at home. Outpatient care is often used as a primary treatment for those with mild to moderate addiction or as a step-down option after completing inpatient treatment.
a. Ambulatory Detox
Ambulatory detox refers to a medically supervised detox on an outpatient basis with regular check-ins. It’s appropriate for those with mild to moderate withdrawal risks who have a stable home environment.
2. Cigna Covered Partial Hospitalization Treatment
PHP provides hospital-level care for 5-6 hours daily for multiple days per week. It does not require overnight stays and is best suited to individuals who require significant support but not continuous supervision.
3. Cigna Covered Intensive Outpatient Program (IOP)
These programs include therapy, education, and relapse prevention strategies while allowing you to return home. IOP is ideal for those who need more support but without round-the-clock supervision, especially working professionals.
4. Cigna Covered Inpatient Detox
Inpatient detox provides 24-hour medical monitoring in the facility to safely manage severe withdrawals. It is particularly effective for alcohol, benzodiazepines, or opioids.
a. Inpatient Residential
Inpatient residential provides intensive 24/7 care in a residential facility lasting a few weeks to months, depending upon the severity of the addiction. This level of care is recommended for those with severe addiction or multiple failed outpatient attempts.
5. Cigna Covered Mental Health And Co-Occurring Disorder Treatment
Research shows that people struggling with addiction also face mental health challenges. Treating only addiction while ignoring underlying mental health issues significantly increases the risk of relapse. Hence, dual diagnosis treatment is designed to address both conditions simultaneously.
6. Cigna Coverage for Medications For Addiction Treatment (MAT)
Medication-Assisted Treatment combines FDA-approved medications with counseling and addiction therapies to support long-term recovery. This method makes the recovery process safer and more effective for patients
Recommended Read: Does Cigna Insurance Cover Therapy
Cigna Insurance Coverage for Detox and Counseling
Understanding Cigna Health Insurance Plans
Cigna offers four types of health plans, each with its own unique set of benefits and limitations. Understanding what type of plan best suits you is imperative to make the most out of your insurance plan.
The major types of health plans offered by Cigna include:
1. Health Maintenance Organization (HMO)
HMO provides access to a limited local network of doctors/hospitals to choose from at the least monthly premium as compared to the other two plans. But you typically need a primary care physician and referrals to see specialists.
2. Exclusive Provider Organization (EPO)
Similar to HMO, EPO also offers a local network of doctors and hospitals, but this network is significantly larger than that of HMO. You don’t need referrals, but out-of-network care is generally not covered except in emergencies. Monthly premiums are also usually higher than those of an HMO.
3. Point-Of-Service Plans (POS)
POS plans offer a combination of HMO and PPO features. You face lower costs for in-network care, but at the cost of a smaller network than PPO plans. A POS plan also requires you to select a Primary Care Provider (PCP ) from within the network who coordinates your care. Referrals are required for specialist visits, whether in-network or out-of-network. However, out-of-network visits come with higher costs
4. Preferred Provider Organization (PPO)
Cigna PPO provides the largest network and allows out-of-network doctors without referrals. Premiums and out-of-pocket costs are usually higher, but you get maximum flexibility.
How Much Does Addiction Treatment Cost is Covered by Cigna Insurance
| Category | Apportion Covered by Plan | What You Pay Out of Pocket | Pricing Level |
| Bronze | 60% | 40% | Lowest |
| Silver | 70% | 30% | Medium |
| Gold | 80% | 20% | High |
| Platinum | 90% | 10% | Highest |
Benefits of Cigna Insurance Plans
Cigna’s insurance plans come equipped with a comprehensive suite of benefits with the sole aim of making healthcare more accessible to people. Whether you’re struggling with alcohol or substance dependence, Cigna can help you get the support you need to overcome addiction.
Here are some key benefits that Cigna’s substance abuse coverage offers:
- Affordable Care
- 24/7 Virtual Care
- Guided Customer Care
- Personalized Digital Tools
- Rewards and Discounts
- 24/7 Customer Service
Don’t wait to get the support you deserve. Check your Cigna plan coverage at ChoicePoint to take the first step towards a healthier life.
Does ChoicePoint Rehab accept Cigna Substance Abuse Coverage Plans?
Yes, ChoicePoint accepts Cigna substance abuse coverage. We work directly with your insurance to help maximize your benefits and minimize out-of-pocket costs. However, coverage details may vary depending on your specific plan.
How To Check Your Cigna Rehab Coverage at Cigna Addiction Treatment Near Me
The easiest way to check your Cigna benefits is to contact ChoicePoint directly or verify insurance online through the website. If you decide to contact us, our admissions team will be more than happy to assist by verifying insurance on your behalf.
We will help confirm:
- What percentage of treatment costs will be covered by Cigna?
- Your deductible, copay, and out-of-pocket costs depend on your plan.
- Specific programs covered by your Cigna insurance.
- Whether prior authorization is required.
Looking for Cigna Addiction Treatment Near Me? Check Cigna Covered Treatment Programs at ChoicePoint
ChoicePoint offers comprehensive addiction treatment services for individuals looking for Cigna addiction treatment near me, tailored to their recovery needs. Cigna may cover all or part of the following evidence-based programs, depending on your specific plan:
Cigna substance abuse coverage may entail the following drug and alcohol addiction treatments at ChoicePoint:
- Detox Addiction Treatment Program
- Luxury Alcohol Treatment
- Luxury Inpatient Mental Health
- Outpatient Luxury Rehab
- Inpatient Addiction Treatment Program
- Partial Care Program
- Intensive Outpatient Addiction Treatment Program
- Outpatient Addiction Treatment Program
- Dual Diagnosis Treatment Program
- Medication-Assisted Addiction Treatment Program
Verify your Cigna substance abuse coverage today and let our DEA-certified addiction specialists determine the best rehab suited to your needs after an initial online drug and alcohol evaluation.
Patient Testimonial
A ChoicePoint customer narrates: Reaching out to ChoicePoint was the best decision I made for my recovery. I was confused trying to understand my Cigna coverage and worried about unexpected costs, but their team walked me through everything with patience. They supported me every step of the way, and the staff genuinely cared about my progress. Much thanks to ChoicePoint’s flexible outpatient program, I was able to recover without putting my daily life on hold.
FAQs
1. Does ChoicePoint Alcohol and Drug Rehab Accept Cigna Insurance?
ChoicePoint does accept Cigna insurance, but the cost of treatment covered by the Cigna substance abuse coverage depends on your individual plan. You can verify your insurance by visiting ChoicePoint or contacting your insurance provider directly.
2. What does Cigna not cover?
Cigna health insurance does not cover cosmetic procedures or services considered medically unnecessary. The extent of coverage varies by plan, which is why we recommend you get in touch with a Cigna representative for further clarification on what your insurance plan covers and what not.
3. Does Cigna cover drugs?
Yes, Cigna covers both prescription drugs and mental health and addiction-related medications. Members can check approved medications and pricing through their online Cigna account.
4. How do I see what my Cigna insurance covers?
You can view your coverage by logging into your Cigna account or mobile app to review the benefits of your insurance plan. Information regarding all covered services, deductibles, copays, and authorization requirements is available online. But, if you are still unsure, contact a Cigna representative to seek guidance about your plan’s coverage.
5. What does Cigna health insurance offer?
Cigna health insurance covers a variety of medical services, including preventive care, hospital services, prescription drugs, mental health treatment, and substance abuse care. The benefits vary by plan, but many policies support both physical and behavioral healthcare needs.
Additional Reads
Long-term inpatient mental health
How does inpatient treatment work?
30-day inpatient rehab near me
Sources
https://americanaddictioncenters.org/insurance-coverage/cigna-insurance
https://www.addictioncenter.com/treatment/cigna-insurance-addiction-treatment/
https://freebythesea.com/insurance/cigna/
https://www.cigna.com/knowledge-center/treatment-for-substance-use-disorders
https://www.cigna.com/knowledge-center/open-enrollment-special-enrollment
https://www.cigna.com/knowledge-center/hmo-ppo-epo
https://www.cigna.com/knowledge-center/bronze-silver-gold-platinum-health-plans
https://www.cdc.gov/overdose-prevention/about/understanding-the-opioid-overdose-epidemic.html
Medical Disclaimer:
ChoicePoint aims to improve the quality of life for people struggling with substance use disorder and mental health issues. Our team of licensed medical professionals research, edit and review the content before publishing. However, this information is not intended to be a substitute for professional medical advice, diagnosis, or treatment. For medical advice please consult your physicians or ChoicePoint's qualified staff.
Verify Your Cigna Rehab Coverage Today!
Verify Your Cigna Rehab Coverage Today!
