Cigna Rehab Insurance
Cigna Rehab Insurance For Substance Abuse
Battling a drug or alcohol addiction is hard, and finding the right treatment center can be even harder. It can be stressful trying to figure out the costs and insurance plans that will cover addiction treatment. At Healthy Life Recovery, we are proud to be in-network with Cigna insurance. Cigna Rehab Insurance provides substance abuse treatment coverage for many insurance plans in the United States and globally.
We want to eliminate those fears of treatment facility costs so that you can solely focus on your recovery. Give our San Diego drug rehab a call to see if your insurance plan contains the coverage for your needs. We want your mental, physical, and behavioral health.
Cigna rehab insurance may offer coverage for the following addictions:
- Alcohol
- Heroin
- Prescription opioids
- Marijuana
- Methamphetamine
- Cocaine
- Benzodiazepines
- Prescription stimulants
- Sleep aids/sedatives
Treatment programs for drug and alcohol addictions are covered depending on your specific plan, which includes:
- Drug rehab
- Alcohol rehab
- Detoxification
- Addiction therapy
Health insurance from a Cigna plan varies, so coverage will differ depending on your plan. For example, their lowest plan bronze, offers low premiums, but a person will encounter higher deductibles and out-of-pocket expenses.
When it comes to substance abuse treatment, coverage will also vary depending on the state you live in. Contact Cigna health insurance to review your policy and determine what treatment services can be covered with your plan.
Outpatient Treatment Costs
Outpatient treatment takes place in mental health clinics or rehab facilities that offer outpatient treatment. Inpatient and outpatient differ, in not having to stay overnight with outpatient care. Instead, a person can come and go for ongoing treatment. At Healthy Life Recovery, we offer outpatient treatment from sober living, dual diagnosis, and therapy programs.
Outpatient programs are suitable for people who need to remain at home and work, and can do so. A person has the ability to build the skills they need to handle their daily struggles.
Routine outpatient care can consist of therapy sessions every week. The frequency of therapy will depend on the person’s needs. These sessions can happen in the evenings and weekends, so it does not interfere with a person’s work.
Intensive outpatient treatment (IOP) may involve 10-20 hours of therapy and counseling, and over 3 days a week. IOP can last for months, and an even more intense form is referred to as day hospital. This means the frequency of treatment is usually 5 days a week.
- You can’t or don’t want to quit work or take a leave of absence
- You want to be close to loved ones
- Your home environment is stable enough to stay away from drugs or alcohol
- Inpatient treatment is too expensive
In order for outpatient treatment to be successful, it’s important to go to sessions on a regular basis. Getting other support, whether from Alcoholics Anonymous or Narcotics Anonymous, can be beneficial as well. Support from loved ones, reliable transportation, and a stable home environment are all essential in the success of outpatient treatment.
No matter what treatment you receive, it is crucial to stay committed to a drug-free and sober lifestyle. Receiving help for a rehab center can help make healthy changes for a long-lasting recovery.
How Does Cigna Rehab Insurance Coverage Work?
As mentioned before, the level of Cigna rehab insurance coverage will depend on the plan and state a person resides in. Typically, preauthorization (prior approval) is required for substance use disorders. Cigna will determine if the treatment and equipment are medically necessary for the condition. If a person does not meet the preauthorization process requirements, they may be responsible for the full pay.
A person may be required to meet a deductible or pay a copayment if the services are not fully covered. A copayment is simply a flat amount you pay for the services provided. A deductible is what a person pays before Cigna pays covered services.
By receiving substance abuse treatment from an in-network provider can help a person avoid paying full costs. In-network providers have agreed-upon prices for services with a specific health plan. This is generally a way lower cost than not having insurance. Out-of-network providers do not have agreed-upon prices and will be charged more for services.
What Is Cigna Employee Assistance Program?
Methadone is a neurotic used to treat heroin addiction, helping reduce withdrawal symptoms with detox. Aetna rehab insurance does cover methadone treatment, but it will depend on a few factors. For instance, your plan, location of treatment, and substance abuse history will all play a factor if methadone treatment is covered.
What Cigna Rehab Insurance Can Do For You
Relying on Aetna to cover the costs of treatment can be a huge relief and peace of mind. This way, you will be able to solely focus on your recovery and well-being. Extra stressors such as insurance issues should not be part of the recovery process.
If you currently have Aetna rehab insurance, know that there is a good chance that your treatment center costs will be partially or fully covered. If you or a loved one is battling an addiction, being alone doesn’t have to be the option. Call Healthy Life Recovery today to verify your insurance or if you need medical advice about addiction.
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Medically Reviewed By:
Dr. John Allen, MD is a psychiatrist in El Cajon, CA and has over 45 years of experience in the medical field. Dr. Allen has extensive experience in Addiction & Substance Abuse and Psychotic Disorders. He graduated from Baylor University in 1976.