Cigna Insurance Coverage for Drug and Alcohol Rehab Treatment

Inpatient Addiction Recovery Treatment

Cigna covers at least some of the cost of inpatient rehabilitation for substance abuse treatment. Using the Cigna Connect 6500 EPO plan for an individual living in Wichita, Kansas as an example, this is how costs of care at a Cigna network inpatient facility would be shared:³

• The customer must pay the $6,500 annual deductible before Cigna starts covering costs.
• After the deductible is paid, the patient is still required to pay 50% of the remaining costs (known as the co-insurance rate) before reaching their out-of-pocket limit of $8,150. After the patient has met all those requirements, Cigna covers 100% of the remainder. The high cost of inpatient treatment makes it likely that this out-of-pocket maximum will be reached.

In this example, the 50% coinsurance rate also applies to any required prescription drugs (unless the out-of-pocket maximum has already been reached). Since this is an EPO plan, obtaining treatment outside of the network would lead to no rehab coverage.³

Outpatient Addiction Recovery Treatment

Cigna health insurance plans cover at least some of the cost of outpatient rehabilitation. For this example, we’ll look at an OAP plan for an individual living in Indiana. The breakdown of costs at an in-network outpatient facility includes the following:⁴

• This plan does not have an overall deductible, so the patient only has to pay a $50 co-payment when they visit the facility.
• The maximum out-of-pocket limit is $2,000, which would only be reached if the outpatient services for 40 days or more or if costs for other services had also been incurred.

This plan also includes a deductible for prescription medicines ($175f). Depending on the drug brand, the co-payment for prescription treatments range between $20-70. This plan does not cover any expenses if care is obtained outside of the Cigna OAP network.⁴

The amount of coverage you have can vary widely based on your state of residence, whether the facility is in- or out-of-network, the length of your stay, and your health insurance plan level. The cost of drug and alcohol addiction treatment will vary from person to person and will also depend on the rehab center, the type of program attended, and specific services received.

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.
• Sunrise House Treatment Center: Located in Lafayette Township, New Jersey, Sunrise House provides treatment for people suffering from substance abuse from a medical and holistic standpoint. With various evidence-based therapeutic interventions, personalized care is provided through detox, residential treatment, dual-diagnosis treatment, and outpatient services.

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.

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.

Before you decide which rehab center might be best for your needs, it’s important to check your insurance benefits to understand what costs are covered by your insurance provider, and which ones you are responsible for. Knowing exactly what your Cigna plan covers can give you peace of mind while you or your loved one is in recovery for drug and alcohol addiction. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles.

Cigna health plans fall into several categories, and the features of those plans may vary based on your:

• State of residence.
• Employer (if you obtained insurance through your employer).
• Qualification for healthcare funded by the state/federal government. Typically, government-funded healthcare includes:^5,6
  • Medicaid, which typically applies to low-income individuals.
  • Medicare, which is mostly for seniors or people with certain health conditions.
• Decision to select your plan through the Affordable Care Act (ACA) marketplace (rather than your employer).

So what plans does Cigna offer? Cigna’s health insurance plans fall into several main categories:⁷

• Health maintenance organization (HMO): An HMO plan tends to be a good option for people who are ok with a limited number of providers within the Cigna network that they can see. HMO plans cover care provided by physicians and facilities contracted directly with the insurance company
• Exclusive provider organization (EPO): An EPO plan allows patients to have more flexibility in selecting a doctor or facility for healthcare needs. However, there are services that Cigna may not cover if they are out of network.
• Preferred provider organization (PPO): A PPO plan lets patients choose from a wider range of healthcare providers. Still, receiving care outside of the network often results in higher out-of-pocket costs.

In addition, Cigna also provides two other options:^8,9

• LocalPlus: This plan is an affordable way that patients can receive healthcare services from a limited network. Your plan can either only include services from the network or you can include out-of-network services (for an additional cost).
• Open access plan (OAP): While similar to a PPO plan, an OAP plan has a larger network of providers. OAP plans also permit you to pay additional costs to go outside of the network.

The cost of drug and alcohol addiction treatment will vary from person to person. It will depend on the rehab center, the type of program attended, and specific services received.

Before deciding on a rehab facility, check your Cigna policy benefits to determine which costs will be covered by your insurance plan and which will be out-of-pocket for you. Call the number on your insurance card or log in to your account on Cigna’s website to determine how much you may need to cover in terms of copays and any deductible that must be reached before coverage kicks in for the services you need.

American Addiction Centers can also verify your insurance coverage for you. Visit our insurance verification page, enter your information, and you will immediately be able to see if the recovery center you are considering is in-network with Cigna.

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.

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1. Cigna. (2020). Company profile.
2. Healthcare.gov. (2021). Mental Health and Substance Abuse Coverage.
3. Cigna. (2020). Summary of benefits and coverage: what this plan covers & what you pay for covered services: Cigna Connect 6500.
4. Cigna. (2020). Summary of benefits and coverage: what this plan covers & what you pay for covered services: Open Access Plus IN.
5. Centers for Medicare & Medicaid Services. (2020). Medicaid.
6. U.S. Department of Health & Human Services. (n.d.). What’s Medicare?
7. Cigna. (2020). Cigna Open Access Plus medical plans.
8. National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition): Types of Treatment Programs.
9. National Institute on Drug Abuse. (2014). Principles of Adolescent Substance Use Disorder Treatment: A Research-Based Guide: Treatment Settings.