Cigna PPO covers outpatient rehab services, IOP, PHP, and inpatient/residential rehab services, but prior authorization is required. In-network services are covered at higher amounts, but out-of-network services may be covered in part. Cigna LocalPlus® covers in-network outpatient and inpatient rehab services without limitations.
Full Answer
Does Cigna cover inpatient drug rehab?
Mar 11, 2022 · Coverage varies depending on your plan but usually includes: Drug rehabilitation; Alcohol rehabilitation; Detoxification; Counseling for addiction treatment; Cigna Insurance Plans for Rehab Benefits and coverage for addiction treatment vary from one plan to another. Cigna’s bronze plan has less expensive premiums than more comprehensive plans.
What does Cigna health insurance cover?
Apr 04, 2022 · 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.
Does Cigna cover long term aftercare?
Apr 01, 2022 · Yes, Cigna insurance may be able to cover all or part of the cost of rehab depending on your level of coverage. American Addiction Centers (AAC) is in-network with many insurance companies, including Cigna at a number of our facilities which offer different levels of care for substance addiction, substance abuse, and dual diagnosis or co-occurring mental …
What is Cigna health?
Cigna is a worldwide health service company that helps people better their overall health and well-being. It serves more than 95 million people around the globe. 1 Cigna provides coverage for a range of treatments that help people recover from substance use disorders.
What is residential rehab?
Residential rehab is a type of inpatient treatment and may involve staying at the facility for months. 7. After completing inpatient, it is recommended that you attend outpatient counseling, which can provide support as you adjust to your new sober lifestyle. 7.
Does Cigna cover addiction?
Cigna plans that cover substance use disorder treatment cover most major addictions. Most drug rehab centers that accept Cigna can treat nearly any addiction. They often offer a range of services that can be customized for your needs.
What is the AAC number?
To learn more about AAC’s treatment options give us a call at. (888) 966-8152. , or you can verify your insurance by filling out the form below.
How long does an intensive outpatient program last?
Intensive Outpatient. Intensive outpatient programs (IOPs) typically meet on 3 days per week for a total of between 10 and 20 hours of therapy. IOPs may last for between 1 and 3 months and may include individual counseling and group therapy sessions.
Is inpatient treatment a good choice?
Inpatient treatment might be a good choice for those who also need treatment for co-occurring physical or mental health problems, who need a safe environment in which to recover from drug and alcohol use, who have not had success with outpatient programs, and who don’t live near an outpatient center.
How many days a week does a partial hospitalization program take?
Partial hospitalization programs (PHPs) usually meet 5 days per week for most of the day. PHPs allow you to receive day treatment while living at home. They may be good fits for people who struggle with more severe substance use disorders but who can safely remain in their home environments. 7, 8.
How much does rehab cost?
Rehab can cost between $5,000 and $50,000 depending on the type of treatment, length of treatment and other factors. But insurance covers a significant portion of how much rehab costs .
What is the most common method of payment for alcohol or drug rehab?
Health insurance is the most common method of payment for alcohol or drug rehab. Cigna Health Insurance covers numerous types of treatment to help its customers recover from the disease of addiction.
Who is Chris Elkins?
Chris Elkins worked as a journalist for three years and was published by multiple newspapers and online publications. Since 2015, he’s written about health-related topics, interviewed addiction experts and authored stories of recovery. Chris has a master’s degree in strategic communication and a graduate certificate in health communication.
How do I find addiction treatment?
Finding addiction treatment usually begins with finding a facility that is covered by your insurance provider. However, you should also ensure that the facility you choose uses evidence-based treatments. If you have any co-occurring mental health conditions, make sure that the facility treats addiction and those conditions simultaneously. Ask about the lengths of treatment the facility provides and how the treatment plans are developed. The best treatment centers also help clients establish aftercare plans to keep them on track after they leave the facility. By working with your insurance provider and your rehab facility, you can recover from addiction.
Does Cigna cover outpatient services?
Outpatient Services. All Cigna plans cover outpatient substance use disorder services that are in network, but you will probably be charged a copay or a percent of the claim for coinsurance. Few Cigna insurance plans cover out-of-network services.
Does Cigna cover out of network providers?
Some plans also cover a portion of the cost for out-of-network providers, but the amount of coverage is usually lower. Your copay or coinsurance payment will likely be higher than the cost of an outpatient visit, but Cigna will cover a large portion of the cost of treatment.
Does Cigna cover mental health?
Cigna’s coverage for treatment of other mental health disorders is similar to its coverage of substance use disorder treatment. Mental health care is an essential health benefit under the Affordable Care Act, so all insurance providers must cover mental health treatment.
Will Cigna Insurance Cover Drug and Alcohol Rehab Programs?
Making the decision to seek treatment for a substance use disorder can be life-changing. However, many people also find this choice to be overwhelming due to the many decisions that often must be made. A primary decision individuals must address is how they will pay for drug and alcohol addiction treatment.
What You Need to Know About In-Network and Out-of-Network Cigna Insurance Coverage
Knowing the difference between in-network and out-of-network medical services is an important part of understanding your insurance coverage. In-network medical providers are those that have been sourced directly by Cigna. These providers often work with Cigna to agree on a lowered payment requirement for Cigna customers.
How to Find an Addiction Program that Accepts My Cigna Insurance Plan
Seeking treatment for a drug or alcohol addiction can be daunting, but you don’t have to do it alone. There are people who can help you every step of the way, including throughout the process of selecting the right treatment program for you.
What Will Cigna Insurance Cover?
Cigna insurance plans work specifically with people who need substance use treatment. This portion of the insurance is covered under the Cigna behavioral health coverage. 3 Under this provision, you may get some or all of the services covered for the following types of treatment: 3
How Long Does Cigna Insurance Cover Rehab?
Cigna insurance rehab programs vary in their length of stay. However, according to addiction specialists, participation in an inpatient program should be no shorter than 90 days to be effective. 7 After an inpatient program, it’s recommended that you continue on an outpatient basis. 7
In-Network Versus Out-of-Network Rehab Centers
You may have heard about in-network and out-of-network facilities and providers. It’s helpful to have an idea of what these terms mean. Doctors and medical facilities that work with an insurance provider to help cut the cost of services for the client are considered to be in network.
Substance Abuse Coverage Provided by Cigna
Depending on your location and your plan, the level of coverage for substance abuse will vary. Typically, pre-authorization is required for substance abuse treatment benefits through Cigna.
Mental Health and Substance Abuse Services from Cigna
In recent years Cigna added a Mental and Behavioral Health division to provide more resources to its customers. In addition to their blog content, individuals can access an educational series, tools, and podcast on mental health topics.
Types of Addiction Treatment Cigna Will Cover
Outpatient Rehab is mainly hosted at hospitals, mental health facilities, or counselors’ offices. An outpatient treatment session can take place once or twice a week for three months to a year.
Verify Your Insurance and Find the Right Addiction Treatment Program
Elevate Addiction Services accepts Cigna. Elevate believes in a holistic addiction treatment approach. This means that we focus on the whole person, mind, body, and spirit. We do not subscribe to the idea that addiction is an incurable disease. We know that anyone is capable of healing if that is what they wish.
What is Cigna insurance?
Cigna is a globally ranked medical health insurance provider that has worked with millions of people throughout the globe to assist them in attaining the best possible medical treatments ever since 1982. With multitudes of insurance options available for individuals, families and corporate groups, Cigna has created a large network of healthcare providers which covers several nations with the blanket of care.
What is inpatient treatment?
Inpatient treatment consists of healing from the toxins that were once registered in the body due to drug and alcohol abuse. The aim of this stage of treatment is to mentally and physically heal and recover from the damage of substance abuse.
How to initialize treatment?
First, when a person makes the life defining choice of opting for treatment, they look at various resources to seek the most appropriate treatment center providing them an abundance of holistic treatment possibilities to pick from. Once they make a choice, they are invited to the treatment center for an assessment that will shine some light on their mental and physiological history, providing a base to form a treatment plan on. Once the healthcare providers of the treatment center present the client with what they believe to be the best plan of action for them , the client can check in with the representative of Cigna, who have their own assessment team made up of insurance professionals as well as healthcare professionals. This team at Cigna will make a judgement based on what all can be covered in the clients insurance package and how much will it genuinely help the client with the ideal cost setup. Based on what Cigna will present the client with, they can determine how much of their treatment will be covered and how much they will have to pay for themselves keeping in mind that they need to walk a lengthy stride on the path to recovery and take several steps to become sober once and for all.
Does Cigna recommend detox?
Usual recommendation for a process like detoxification is to assign oneself inpatient care and an around the clock supervision, till the time their withdrawal symptoms subside and they are ready to move forth to the next chapter of healing. Cigna puts forth conditions for hospitalization during detoxification and conveys that only after the client goes through a clinical assessment, face-to-face with licensed medical professionals can the insurance company consider covering the client for the treatment plan. If further on after the medical assessment states that inpatient detox is medically necessary, Cigna may recommend the treatment plan for the client. This intensive level of care should be not justified by reasons such as ‘fear of withdrawal’ by the patient. In fact, presence of drugs and alcohol in blood streams without any substance associated withdrawal symptoms is also not enough to justify the need for intensive detoxification treatment. In case of severe withdrawal symptoms tilting towards life threatening diagnosis such as organ failure, complications in the heart, seizures, etc., then the client is required to apply for medical or surgical status rather than detox.
What is medically assisted treatment?
A medically assisted treatment plan is considered for people who have a prolonged history of opioid dependence including a brief history of treatment and then relapse. The usual course of action involves managed usage of Methadone, Buprenorphine and Naltrexone. The whole treatment plan is a combination of detoxification, medication management and medically supervised withdrawal.
Does Cigna give free tobacco kits?
Cigna has granted its consumers the right to attain ‘quit tobacco kits’ for free of cost. Pharmaceutical products such as Bupropion, Chantix patches, gum, Nicotrol oral and nasal inhalers are compensation free for Cigna clients. They can receive around 12 weeks of treatment products per year as a lifelong benefit with a simple prescription to achieve easy emancipation from the holds of tobacco
Does Cigna cover rehab?
As per the Affordable Care Act, Cigna drug rehab coverage is entitled to pay for every aspect of treatment required to initiate recovery from substance abuse, that is , both residential (inpatient) and non-residential (outpatient) stays are required during detoxification, medical stabilization, psychotherapy (individual along with group and family psychotherapy) and aftercare (transitional living) are expected to be covered by policies created by Cigna. This coverage differs according to the state of residence, state of treatment, policy details such as type of policy, and so on. But the coverage usually ranges from about 50% to 80%. Majority of the treatment segments are covered fully or partially (coinsurance around 20%), but a few ambulatory treatment options are to be paid by the client only.
What are the different types of Cigna plans?
Cigna plans vary based on your specific coverage and are broken down as bronze, silver, gold, and platinum plans. You can expect to see these forms of addiction treatment covered under most plans: 1 Detox 2 Inpatient Treatment 3 Outpatient Treatment 4 Prescription Medications 5 Behavioral Health Therapy
Where is Hope House located?
The Hope House is located in Scottsdale, Arizona, and both of our luxury rehab programs are partnered with Cigna to help alleviate the financial worries associated with treatment. Both facilities offer extensive treatment options, a robust mental health program, and executive treatment options for professionals.
What is the most common drug for MAT?
While there are numerous medications available for MAT, two of the most popular are Suboxone and Methadone. These medications are covered separately from rehab.
What is behavioral health and substance abuse?
Substance abuse treatment and behavioral health services are federally recognize d as one of ten essential services insurance providers must cover under the Affordable Care Act. This means that whether patients are seeking preventative care or substance abuse treatment, they will be treated the same.
Does Cigna cover Suboxone?
Cigna Suboxone Coverage. Clients who opt for MAT with Suboxone are likely struggling with opioid addiction. Cigna has an extensive list of prescription drugs covered under all of their plans and may cover some or all of your prescription fees.
Does Cigna have rehab?
Approved Cigna Rehab Programs. While Cigna’s insurance benefits may help you offset the cost of addiction treatment, other insurance providers are likely to provide coverage as well. If you or your loved one after an insurance policy other than Cigna, review their benefits specifically: United Healthcare. Aetna.
Does Cigna cover mental health?
With mental health issues often co-occurring in those with substance use disorder, it is also common for Cigna to cover behavioral health treatment alongside substance abuse treatment.
