Does Cigna Cover Drug and Alcohol Rehab Treatment?
Yes, Cigna covers substance abuse treatment for its members. Cigna has partnerships with addiction rehab facilities throughout the country to provide a variety of detox, inpatient residential and outpatient services at discounted rates to members. The Affordable Care Act (ACA) requires that insurance companies provide some degree of coverage for mental health treatment, which includes substance use disorder (SUD) treatment (including coverage for drug and alcohol addiction).2
Drug & Alcohol Rehab Facilities that Accept Cigna Insurance
American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have an Cigna insurance plan, the following AAC facilities accept Cigna for drug and alcohol addiction rehab.
- AdCare Rhode Island: With various facilities located in Rhode Island, AdCare provides innovative, quality, and cost-efficient addiction treatment. Its integrated system of care offers an inpatient treatment center in North Kingstown and a network of outpatient offices throughout Rhode Island. AdCare’s continuum of care includes detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, inpatient and outpatient services, and telehealth.
There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by Cigna insurance.
Do Treatment Centers Need to Be In-Network to Accept Cigna Insurance?
In-network providers have a contract with the insurance carrier to offer rehab services at a set price. This means that your out-of-pocket expenses will typically be lower than if you choose an out-of-network facility. In some cases, you may even be responsible for the full cost of addiction treatment if you choose an out-of-network facility.
Whenever possible, try to choose a rehab facility that is in-network with Cigna. If you are unable to find an in-network provider or prefer a facility that is out-of-network, you may be able to work out a payment plan with the rehab facility so you can pay back the cost of treatment over time.
What Types of Drug & Alcohol Rehab Does Cigna Cover?
Your Cigna health insurance plan may cover the following addiction treatment services:10,11
Detox Services
In some cases, you may need assistance when detoxing from drugs and alcohol, which can potentially be uncomfortable, painful, or even life threatening. Medical detox helps you safely withdrawal from drugs and alcohol, as you’ll receive around-the-clock medical supervision. You might also be given medications to help minimize withdrawal symptoms. Read more about Detox Centers Near Me.
Inpatient or Residential Care
Inpatient/residential live-in treatment centers provide drug and alcohol rehab while you live onsite at the facility. Most inpatient programs last anywhere from 15–90 days, depending on the program you’re in and your individual needs.
Partial Hospitalization Program (PHP)
Partial hospitalization programs give you the opportunity to live at home while attending treatment during the day.
Intensive Outpatient Program (IOP)
Intensive outpatient rehab and therapy involve attending treatment programs a few evenings a week. In an intensive outpatient program, you can live at home and even go to work during the day.
Outpatient Treatment
Individuals who have completed inpatient treatment often attend outpatient treatment for ongoing support on their journey to sobriety. You live at home and spend 10–12 hours a week at a rehab facility for therapy and support.
Your total out-of-pocket costs for addiction treatment depend on the specific Cigna plan you have. Monthly premiums, copays, deductibles, and other potential costs all vary depending on the plan. But, with Cigna health insurance, at least a portion of your costs should be covered under your plan.
Addiction Treatment Length Medical Mutual Will Cover
The duration or length of substance treatment you’ll be covered for under your Medical Mutual insurance plan will depend on the type of treatment facility you need. For inpatient centers, the most basic plans will normally cover 20 days of treatment per calendar year. If you attend treatment sessions at a private outpatient facility, you will normally be covered for a length of 20 confidential visits per benefit period.
Check Your Cigna Coverage for Addiction Treatment
If you’re planning on attending addiction treatment or are simply curious about your options, there are resources available to you. A good first step in checking your Cigna insurance benefits would be to reach out to a Cigna representative. This can be done by calling the number on the back of your insurance card or by accessing Cigna’s member portal online.
Additionally, there are also online resources that can help you verify your addiction insurance coverage. Our 24/7 addiction helpline can connect you with trained professionals who can verify your insurance and connect you with suitable rehab facilities. Reach out to us today at to verify your Cigna health benefits.
What Should I Do if Cigna Won't Cover the Total Cost of Addiction Rehab?
Cigna may cover some, if not all, of your rehab treatment costs, depending on the policy you have. In some cases, your policy may not cover all the expenses related to treatment at drug and alcohol rehab facilities and treatment centers. Speaking with an admissions specialist at the substance abuse recovery center you are considering will help you get a deeper understanding of what is covered by your policy and what your financial commitment will be.
No matter the cost, it’s important not to let financial concerns hold you back from getting treatment from drug and alcohol abuse. There are ways to help offset the cost, including payment plans, scholarships, and grants in some cases.
For more information on other ways to pay, visit these web pages:
- Insurance Coverage for Drug and Alcohol Rehab
- How Much Does Rehab Cost?
- How to Pay for Rehab Without Insurance
Knowing what costs your Cigna health insurance plan covers for drug and alcohol addiction services can help you plan for any costs that you will be responsible for while you or your loved are getting treatment for substance abuse. Knowing what costs you may be responsible for provides peace of mind, allowing you to focus on what truly matters—getting and staying sober. For more information on what your Cigna insurance plan covers for rehab, call the number on the back of your insurance card.
Sources
- Cigna. (2020). Company profile.
- Healthcare.gov. (2021). Mental Health and Substance Abuse Coverage.
- Cigna. (2020). Summary of benefits and coverage: what this plan covers & what you pay for covered services: Cigna Connect 6500.
- Cigna. (2020). Summary of benefits and coverage: what this plan covers & what you pay for covered services: Open Access Plus IN.
- Centers for Medicare & Medicaid Services. (2020). Medicaid.
- U.S. Department of Health & Human Services. (n.d.). What’s Medicare?
- Cigna. (2020). Cigna Open Access Plus medical plans.
- National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition): Types of Treatment Programs.
- National Institute on Drug Abuse. (2014). Principles of Adolescent Substance Use Disorder Treatment: A Research-Based Guide: Treatment Settings.
