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cigna drug rehab coverage

Your Guide to Cigna Drug Rehab Coverage

With a global network of over 86 million members, Cigna is one of the largest insurance companies worldwide. We know that drug rehab can get costly. Still, companies like Cigna help people in need get the addiction treatment they need. Let’s explore more about the Cigna drug rehab coverage options available for you. 

Cigna Coverage for Substance Abuse Treatments

Of course, each insurance plan is very different. To know precisely what your insurance coverage offers regarding coinsurance, copays, and deductibles, you have to contact your provider. Overall, Cigna drug rehab coverage extends to these treatment options:

Inpatient Treatment Coverage

Inpatient drug rehab coverage will vary according to your location and policy coverage. Also, for Cigna members, it depends on the insurance plan they hold. Here’s an estimated breakdown of what to expect:

  • Bronze Plans: Usually, offer 0 percent coinsurance for in-network providers.
  • Silver Plans: This plan usually carries a coinsurance between 30-50 percent after meeting your deductible for in-network coverage. 
  • Gold Plans: In-network providers have a coinsurance that ranges between 20-50 percent after deductible.
  • Platinum Plans: These have a 10-30 percent coinsurance after meeting the plan’s deductible. 

Outpatient Treatment Coverage

When it comes to outpatient treatment coverage, these can have a coinsurance that falls anywhere between 0 to 50 percent. Some plans will ask for a copay per visit, while others will have a percentage per length of treatment.

Most outpatient rehab services covered include:

Cigna’s Behavioral Health Division

Like other insurance companies, Ciga is making a considerable effort to help those with substance use disorders. To better support those in addiction recovery, Cigna offers a unique Behavioral Health Division. It also provides access to educational articles, tools, and podcasts those struggling with addiction and their family members can access. 

“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.”

Obviously, these educational seminars are not meant to replace professional treatment. These are merely resources and aftercare support solutions for those struggling with addiction and their family. You should always seek professional help to learn about the best treatment plan for your condition. 

How to Verify Coverage

The first step to reap the benefits of your insurance plan is to verify coverage. Contact your insurance provider to help you find treatment facilities in your area that are in-network. Additionally, you can always reach out to our admissions office. Use our insurance verification form to find out if your insurance policy covers drug rehab. 

More than that, you want to ask about what’s covered under your policy and for how long will these benefits extend. Sometimes people need to be in a rehab center for 30 days or 90 days. After all, addiction recovery is a long-term process. Some insurance companies will stop covering after a specific period of time. Our admission specialists can help you find out the length of your coverage. 

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How to Pay for Rehab If My Cigna Plan Doesn’t Cover It

Don’t let your insurance stop you from seeking substance abuse treatment. There’s no better time to seek treatment for drug abuse than today. After all, seeking help for your addiction will be the best investment you’ll ever make for yourself. Your path to recovery can still happen. 

At Lighthouse Recovery Institute, we offer various payment plans to help you afford treatment. Other alternatives include seeking out a loan. You can also check if your company’s insurance provides employee assistance programs that could cover drug rehab. Indeed, you’ll be surprised how many family members and friends are willing to help you pay for your treatment program. 

Stop using money or your financial situation as an excuse for seeking drug or alcohol addiction treatment. If you or someone you know is struggling with substance abuse, contact us today to get started. We’ll look at your Cigna insurance policy and verify what’s covered. Besides, if you don’t have coverage through your insurance, we’ll tirelessly find other alternatives. Our priority is to help you find the help you need to get better. 

Getting Help

If you or a loved one is struggling with addiction, don’t let insurance get in the way. Our admission specialists will also look into different payment methods and opportunities to help you get the help you need. Indeed, our goal is to make everything possible to help you find long-lasting recovery. Don’t miss the opportunity to stand up against your addiction finally.

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