Cigna California: Detox & Rehab Centers in CA That Take Cigna

Yes, if you are struggling with substance use disorder (SUD), your Cigna California plan will provide at least partial coverage for the cost of rehab and other types of addiction treatment.³

The Affordable Care Act (ACA) went into effect in 2010 and mandates insurance companies in the U.S. to provide at least partial coverage for a core group of healthcare services and treatments.⁴ These healthcare services and treatments are referred to as “essential health benefits” and include mental health and SUD services. The ACA mandates that essential health benefits, including rehab and other addiction treatments, are accessible and affordable to consumers.⁴

Keep in mind that coverage varies depending on the specific plan you have. It’s important to understand what your plan covers and what you need to do (e.g., get pre-authorization from your doctor) before entering treatment.

If you’re a Cigna California member, call the number on the back of your insurance card to speak with a representative. They can walk you through what SUD treatments are covered under your plan, which rehab facilities are in-network with Cigna, and how to obtain services.

You can also contact the American Addiction Centers (AAC) helpline at to speak with an admissions navigator who can verify your insurance over the phone, answer questions about treatment, and help you with the admissions process once you’re ready. AAC has treatment facilities that are in-network with Cigna and can help you every step of the way.

As a Cigna California member, you may wonder what type of substance addiction your insurance covers. While recovery looks different for everyone, your Cigna California plan should provide full or partial coverage for addiction treatment for substances such as:

• Alcohol.
• Marijuana.
• Cocaine
• Crystal meth.
• Heroin.
• Opioids.
• Prescription drugs.

There are many different types of addiction treatment available in California and out of state. The type of treatment you access will depend on several factors, including:³

• The severity of your substance use disorder (e.g., substances you’re using, how long you’ve been using them).
• Your mental health and whether you have other mental health conditions.
• Your family support.
• Your living situation.
• How the treatment will be paid for.

Your primary healthcare provider can help you decide what type of treatment to access. As a Cigna California member, your plan may cover the following types of addiction treatment:⁵

Detoxification

Although not everyone will require detox, for some, it’s an important component of recovery. During the detox process, the body rids itself of substances such as alcohol and drugs. Detox can cause uncomfortable and even dangerous side effects, which are sometimes managed with prescription medications.

Inpatient Rehab

Also known as residential treatment, inpatient rehab involves living at a rehab facility for a set time (e.g., 3 months). Inpatient treatment varies, but you can expect to participate in individual and group therapy to learn about the root of your addiction and coping mechanisms to sustain your recovery.

Partial Hospitalization Programs (PHP)

Partial hospitalization programs involve attending treatment 5 to 7 days a week for 6 to 8 hours each day. These programs can be particularly helpful for those who have completed an inpatient rehab program but would still benefit from a high level of care.

Outpatient Treatment

Outpatient treatment programs vary depending on your specific needs. During outpatient treatment, patients live at home and attend treatment during the day. This may be a good option for those with a less severe SUD, those who need to attend school or work, or those who have completed an inpatient rehab program.

Intensive Outpatient Programs (IOP)

Intensive outpatient programs are similar to outpatient treatment but with more structure. An IOP typically involves attending treatment 3 to 5 days a week for 3 to 4 hours at a time.

Aftercare

Aftercare is a term used to describe care received after completing treatment for SUD. Aftercare may include ongoing therapy or 12-step meetings like A.A. and N.A. The goal of aftercare programs is to help individuals integrate back into day-to-day life and sustain their recovery.

Yes, Cigna California should cover some, if not all, mental health and dual diagnosis treatment as mandated by the Affordable Care Act (ACA).⁴

Approximately half of those living with substance use disorder (SUD) also have a co-occurring mental health condition, such as:⁶

• Anxiety.
• Attention deficit hyperactivity disorder (ADHD).
• Bipolar disorder.
• Depression.
• Post-traumatic stress disorder (PTSD).

Having SUD and another mental health disorder at the same time is referred to as a dual diagnosis. While SUD doesn’t cause mental health disorders and vice versa, those with mental health struggles are twice as likely to turn to drugs and alcohol as a form of self-medicating and reducing their symptoms.⁷ If you have a dual diagnosis, there are rehab centers that can treat both conditions concurrently.

The amount of time you spend in an inpatient rehab program for drug and alcohol use will depend on the severity of your addiction and the level of care you need. Research shows that the longer a person stays in treatment, the higher their chances are of staying sober in the long run.⁸

How long your Cigna California plan covers an inpatient rehab program will depend on the specific plan you have. You can look up your plan information on Cigna’s member portal or call the number on the back of your insurance card to speak with a representative to learn more about what your plan covers.

Depending on the plan you have, your Cigna California plan may not cover all your inpatient rehab costs. This means you may have some out-of-pocket costs that you will be responsible for paying. The good news is, there are several ways to pay for rehab if finances are a concern, including:

• Financing.
• Grants and scholarships.
• Sliding scales.
• Loans from banks, family, or friends.
• Crowdfunding and fundraising.

If you’re ready to enter treatment, don’t let finances stand in your way. There are options available to those who need it, and the most important thing is standing firm in your decision to get treatment.

Finding the right rehab facility for your unique needs can feel overwhelming but knowing ahead of time what your Cigna California plan covers can make the process easier. Fortunately, checking your coverage is simple. You can check your coverage at an American Addiction Centers (AAC) rehab facility in California or out of state in 2 ways:

1. Contact an AAC admissions navigator at or get a text if you aren’t ready to call. You’ll be able to share your story and get the information you need on treatment.
2. Fill out the short form below to check what your Cigna California plan covers.

Cigna California has a vast network of healthcare facilities and providers, including rehab centers that accept Cigna insurance plans. Many American Addiction Centers (AAC) facilities also accept Cigna, including these world-class rehab facilities:

• AdCare Rhode Island: AdCare Rhode Island has several inpatient and outpatient facilities throughout the state to better serve those struggling with addiction. The treatment facilities offer a range of services including detox, IOP, PHP, co-occurring disorder treatment, telehealth, and more.
• Recovery First Treatment Center: Recovery First is in Hollywood, Florida, and offers several services including detox, residential treatment, IOP, PHP, co-occurring disorder treatment, and aftercare support.

For more AAC rehab facilities that accept Cigna California, you can use our addiction treatment center directory tool. Search by treatment type, location, and accepted insurance policies to find a list of facilities and programs.

AAC is dedicated to helping those who are struggling to break the cycle of addiction. Our admissions navigators are available now at to help you with the admissions process once you’re ready.

1. Cigna. (n.d.). About Us.
2. Cigna. (n.d.). Cigna in California.
3. Cigna. (n.d.). Inpatient and Outpatient Treatment for Substance Use Disorder.
4. Cigna. (n.d.). Essential Health Benefits.
5. Cigna. (n.d.). Substance Use Disorder Treatments.
6. National Institute of Mental Health. (n.d.) Substance Use and Co-Occurring Mental Health Disorders.
7. National Alliance on Mental Illness. (n.d.). Understanding Dual Diagnosis.
8. National Institute on Drug Abuse. (n.d.). Principles of Effective Treatment.