Rehabs That Accept Cigna in Texas

Cigna is a worldwide insurance provider that offers members access to affordable, high-quality healthcare.¹ Cigna offers several plans to Texas residents, including HMO, PPO, and EPO plans.³

No matter which Cigna plan you have, all boast several benefits. Some of these benefits, based on your plan, may include the following:⁴

• $0 copayment for virtual urgent care.
• $3 or less for generic prescriptions.
• Around-the-clock access to a live primary care physician.
• Personalized health coaches.
• 24/7/365 customer service.

To learn more about your plan and the specific benefits you are eligible for, reach out to a Cigna representative by telephone or live chat.

Yes, Cigna does offer full or partial coverage for addiction treatment in Texas or out of state. The full amount of coverage that you will receive, though, will be dependent on the type of health insurance plan you have through Cigna.

Cigna’s health insurance plans are available on the Texas Health Insurance Marketplace and through employers. These long-term plans are subject to the Affordable Care Act (ACA), a health insurance law that mandates all long-term health insurance plans cover 10 essential benefits.⁵ One of these essential health benefits is coverage for substance use disorder (SUD) treatment, meaning Cigna will provide at least some coverage for SUD treatment at a rehab in Texas or out of state.⁵

Your Cigna plan may provide coverage for addiction treatment for commonly misused substances such as:⁶

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

Cigna is committed to making substance use disorder treatment more accessible by expanding its network and targeting areas with a provider shortage.⁷ While coverage varies by plan, there are several types of treatment and behavioral therapy programs you can expect to be fully or partially covered by your Cigna plan.

Some types of treatment that your insurance plan may cover include:^8,9,10

• Detox programs: Not everyone requires detox, however many do. During detox, your body rids itself of addictive substances, often causing uncomfortable and potentially dangerous side effects. Medically managed detox, where prescription medications are administered by a physician to help ease the effects of withdrawal, can help.
• Inpatient treatment programs: Inpatient treatment is a form of rehab that requires patients to reside at the treatment center for the duration of their care. Around-the-clock care is provided and a variety of therapies are available, including individual and group therapies, among others.
• Partial hospitalization programs (PHP): PHPs may be recommended for patients who need more structure than outpatient treatment provides but do not require full-time care and support. Patients attend treatment at least 5 days per week for around 6 hours per day but go home at night
• Intensive outpatient programs (IOP): IOPs allow patients to live at home and continue attending school or work while receiving addiction treatment. This type of program can be helpful for those who need more intensive support than what a standard outpatient program provides.
• Outpatient treatment programs: Outpatient treatment is a form of rehab that does not require patients to live at a treatment center. It can be a good option for people with a less severe SUD or those who need to continue school or work.
• Aftercare: Aftercare is a term used to describe any type of care received following treatment for SUD, such as ongoing therapy or 12-step meetings like Alcoholics Anonymous (AA). Aftercare is an important part of recovery, as it can provide ongoing support and resources to help maintain recovery.

It’s common for those who struggle with SUD to also have a mental health disorder (e.g., anxiety, depression). When someone experiences SUD and a mental health disorder concurrently, it’s known as a dual diagnosis or co-occurring disorder.¹¹ Dual diagnosis treatment addresses both disorders at the same time.¹² Studies show that integrating treatment for both disorders provides better long-term outcomes.¹²

As The Affordable Care Act (ACA) includes both mental health treatment and substance use disorder (SUD) treatment in its list of 10 essential benefits, Cigna does offer full or partial coverage for the cost of mental health and dual diagnosis treatment.⁵

How long you attend rehab using your Cigna coverage will depend on your plan and your doctor’s assessment of your medical needs. However, research strongly suggests that longer stays in rehab result in better long-term outcomes.¹³

Establishing new behaviors and habits takes time. In general, many patients will need at least 3 months of treatment to make significant long-term reductions in substance use.¹³

It’s a good idea to call the number on the back of your insurance card to speak with a Cigna representative before entering treatment. This way you’ll know exactly how much coverage Cigna can provide and for how long.

You may have a specific rehab facility in mind that isn’t covered by Cigna’s provider network. Or perhaps your plan will only pay part of the cost of the private rehab facility you’re interested in. Keep in mind that there are other ways to pay for rehab, including:

• Seeing if the facility offers grants or scholarships, or provides sliding scale fees.
• Obtaining a personal loan or borrowing money from a friend or family member.
• Paying privately, meaning paying for all fees out-of-pocket.

In-Network vs. Out-of-Network Drug Rehab Centers

Health insurance companies have a specific network of medical providers that have agreed to care for their members at a set price.¹⁴ Therefore, if you choose to obtain care with a facility that is not in-network with Cigna, you will likely be responsible for all costs. You can submit a claim for out-of-network care, however Cigna may or may not accept it.¹⁵

To keep your rehab treatment affordable, choose an in-network provider that offers the type of care you need.

Finding a treatment facility can feel overwhelming but knowing in advance what your Cigna Texas insurance will cover can give you peace of mind and make the process easier. The good news is, it’s simple to check your coverage. To learn about your specific coverage in Texas or out of state, contact an admissions navigator at or fill out the form below.

Recovery isn’t easy, but with the help of professional treatment, it’s possible. Treatment will provide you with the tools and support you need to live a substance-free life. American Addiction Centers (AAC) is committed to helping those struggling break the cycle of addiction. A few of our treatment centers include:

• AdCare Rhode Island: AdCare Rhode Island has inpatient and outpatient facilities throughout the state to better serve the community. The inpatient and outpatient treatment facilities offer several services including detox, IOP, PHP, co-occurring disorder treatment, and telehealth.
• Recovery First Treatment Center: Located in Hollywood, Florida, Recovery First offers various services including detox, inpatient and outpatient programs, IOP, PHP, co-occurring disorder treatment, and aftercare support.

Our admissions navigators are available now at to hear your story and help you with the admissions process once you’re ready.

1. Cigna. (n.d.). About Us.
2. Substance Abuse and Mental Health Services Administration. (2024). Behavioral Health Barometer, Region 6, Volume 7.
3. Cigna. (2024). What is the difference between an HMO, EPO, and PPO?
4. Cigna. (2024). Affordable Health Insurance Plans.
5. Healthcare.gov. (n.d.). What Marketplace health insurance plans cover.
6. National Institute on Drug Abuse. (2020). Commonly Used Drugs Charts.
7. Cigna. (2022). Substance Use Disorders and Mental Health.
8. Cigna. (2022). Inpatient and Outpatient Treatment for Substance Use Disorder.
9. FindTreatment.gov (2019). Treatment Options.
10. Substance Abuse and Mental Health Services Administration. (2014). What is substance abuse treatment?
11. National Institute of Mental Health. (n.d.). Substance Use and Co-Occurring Mental Disorders.
12. National Institute on Drug Abuse. (2020). What are the treatments for comorbid substance use disorder and mental health conditions?
13. National Institute on Drug Abuse. (2018). Principles of Effective Treatment.
14. Healthcare.gov. (2021). What you should know about provider networks.
15. Cigna. (2024). Out-of-Network Referral Disclosure Form.