Cigna Insurance Drug Rehab Coverage
Cigna Insurance serves millions of members worldwide providing drug and alcohol rehab coverage. Professional help for addiction, alcoholism, or other harmful behavior is daunting. For most people, it’s the hardest thing they’ll ever do. This is true of seeking help for yourself, a significant other, or a loved one. Cigna Insurance provides coverage for mental health services and addiction services allowing for treatment opportunities.
Adding to the mix of fear, confusion, and anxiety is the question of whether Cigna insurance will cover drug rehab. With treatment centers becoming increasingly expensive, it’s difficult to cover their costs without some assistance from your insurance carrier.
Lighthouse Recovery Institute knows addiction treatment is a big decision.
To that end, we are ready to assist you with understanding your Cigna Insurance benefits and how coverage for addiction treatment is determined.
Will Cigna Cover Drug Rehab?
This is a pretty frequently asked question. “Are there approved Cigna drug treatment centers,” or “Is there a Cigna alcohol rehab I can go to?”
Cigna does cover drug and alcohol addiction treatment. The amount of coverage is determined and based on the policy type. Each Cigna Health Insurance plan has its own deductible. A deductible is an amount a member must pay for health care services, prior to the insurance plan picking up the bill. Additionally, each individual has an out of pocket maximum outlined with their Cigna policy. This is the most you will have to pay for covered medical and health care services in a year. Generally, after this is met, Cigna Health Insurance will pay 100% of the costs of covered benefits.
Cigna Health Insurance coverage for addiction treatment ranges from inclusive to partial. Cigna Health Insurance may completely cover the cost of drug or alcohol rehab. Othertimes, Cigna Insurance will cover a portion of the cost associated with the services provided. The coverage may look like this for example: they’ll cover 80% and leave you to cover 20%. The insurance provider may also cover much less than that. It all depends on the type of coverage you have. Our trained staff is skilled in identifying the financial liability associated with your Cigna Health Insurance policy. Call today and discover exactly how much Cigna drug or alcohol treatment coverage you have.
How Long Does Cigna Drug Treatment Coverage Last For?
This is another frequently asked question! After finding out how much Cigna drug treatment coverage they have, people want to know how long their coverage will last. That is to say, will Cigna cover a week of treatment, a month, or more?
The bad news is that this isn’t so easily answered. The good news is that, once again, our outreach coordinators will be able to figure out the exact length of Cigna drug rehab coverage you have.
Call us at 1-844-I-CAN-CHANGE or 1-(561)-381-0015 to speak to someone who can tell you the in’s and out’s of your specific Cigna drug rehab coverage. You can also fill out an online form.
CIGNA COVERAGE FOR MEDICAL DETOX
Medical detox programs are necessary for individuals that have been using drugs or alcohol on a consistent basis. Certain substances produce dangerous withdrawal symptoms. This is why enrollment into a medical detox program is the first step in the addiction treatment process. Cigna Health insurance provides medical detox benefits and coverage. It is important to ensure patient safety is top priority during the initial recovery phase, and the supervision of qualified physicians is best practice. The exact outline of the coverage for mental health and detox coverage is dependent on the type of Cigna policy you have and the detox center. Enrollment in a traditional medical detox or a rapid outpatient detox may determine coverage based on Cigna’s internal policy guidelines and standards.
Inpatient vs. Outpatient Cigna Drug Rehab Coverage
And here we reach the age-old debate of inpatient vs. outpatient treatment. While inpatient treatment is how most people think of rehab, there are other forms of treatment. Most popular among these is intensive outpatient treatment.
So, is there inpatient Cigna drug rehab? What about outpatient Cigna alcohol rehab? The good news is that yes, both these options absolutely exist.
Cigna drug treatment coverage usually extends to both inpatient and outpatient rehab. However, to be safe, you should speak to your insurance provider or to one of our outreach coordinators. They’ll both be able to tell you exactly how much Cigna drug treatment center coverage you have.
Cigna Typically Covers The Following Addictions
How to Pay for What Cigna Doesn’t Cover
Substance abuse treatment isn’t cheap. While insurance will, generally speaking, pay for most of it, there’s the question of how to pay for the remainder. Thankfully, there are multiple options.
You can get a loan from your local bank. In today’s world, more and more financial institutions are offering “treatment loans.” Speak to your banking representative to learn the in’s and out’s of these.
Are you wondering if Cigna drug treatment coverage applies to you? Call Lighthouse today at 1-844-I-CAN-CHANGE or 1-(561)-381-0015. You’ll be connected to one of our compassionate and expert admission coordinators. They’ll be able to answer any and all questions you have about Cigna drug rehab.
Your information will be kept 100% confidential. Call today!