Most Cigna insurance plans provide some coverage for drug and alcohol treatment. All plans sold on the health insurance exchanges (healthcare.gov) or provided by Medicaid and Medicare are required by the Affordable Care Act (ACA) to include coverage for substance use disorders.
Adelante Recovery Center accepts Cigna PPO plans, which may cover part or all of your residential inpatient treatment costs at our Orange County drug and alcohol rehab center. Get in touch with us for insurance verification.
Cigna is a global health services company that serves more than 180 million patients and customers in 30 countries, including the U.S. Cigna collaborates with more than 1.5 million healthcare facilities, clinics, and providers, including more than 175,000 behavioral health providers. Cigna contracts with many addiction treatment centers in California and throughout the U.S.
Most Cigna health plans provide some coverage for addiction treatment. All plans sold on the health insurance exchanges as well as government-funded plans like Medicare and Medicaid are required by law to cover treatment for substance abuse and co-occurring mental health disorders (dual diagnosis).
Coverage varies by plan, but here are some of the addiction treatment services your plan may cover:
Most inpatient and outpatient rehab programs include individual counseling, group therapy, and family therapy. Therapists and addiction specialists may use techniques such as cognitive behavioral therapy, dialectical behavioral therapy, and motivational interviewing during the course of treatment. Cigna usually provides coverage for these and other evidence-based therapies.
Cigna offers individual, family, and group insurance plans. They also sell policies on the healthcare exchanges. Here are some of the plan types they offer:
HMO (health maintenance organization) plans help keep your out-of-pocket costs down, but you must use in-network providers and choose a primary care provider (PCP).
PPO (preferred provider organization) plans offer more choice but have higher out-of-pocket costs. You can see specialists without a referral, and you don’t have to choose a primary care provider.
EPO (exclusive provider organization) plans have lower out-of-pocket costs than a PPO, but you must get care inside your plan’s network.
POS (point of service) plans are considered a combination of HMO and PPO plans. Costs are lower but you have fewer choices. You can see both in-network and out-of-network providers, but costs are lower when you stay in-network.
If you’re not sure what your Cigna plan covers, get in touch with the team at Adelante Recovery Center. We will help you make sense of your insurance benefits. You may also want to contact Cigna directly to find out what’s covered.
Log in to your account online to check your benefits or call the number on the back of your insurance card. Here are some questions to ask when you call:
Make sure to write down the name of the person you speak with and the details of your conversation.
Knowing what your insurance plan covers before you enter a rehab program will give you greater peace of mind, allowing you to focus completely on recovery.
If your policy doesn’t cover the entire cost of rehab, there are alternative ways to finance your treatment, including:
Adelante believes treatment costs should never prevent a person from getting the help they need. If your plan doesn’t cover the total cost of rehab or if you don’t have insurance, we offer alternative payment options. Contact us to learn more.
Adelante Recovery Center offers comprehensive drug and alcohol rehab programs at our Orange County drug treatment center. We create individualized therapy programs for our clients. Individual counseling, group therapy, and family therapy form the core of our inpatient residential programs.
If you’re concerned about a loved one or you’re ready to begin a treatment program, contact our administrative team to find out about coverage for rehab with Cigna. Help is just a phone call away.
If you or a loved one are in need of help with addiction, contact us today. Our professional and friendly addiction specialists are able to answer your questions and get things moving in the right direction.