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.
About Cigna
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.
What Do Cigna Plans Cover?
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:
Medically supervised detox- Residential inpatient treatment
- Partial hospitalization programs (PHPs), also known as “day treatment”
- Intensive outpatient programs (IOPs)
- Outpatient therapy visits (in-person or online)
- Treatments for mental health & co-occurring disorders
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 Coverage Levels and Plans
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.
How to Check Your Insurance Benefits
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:
- Do you cover substance abuse assessment?
- Do you cover detox services? How many days?
- Do you cover outpatient rehab?
- Do you cover inpatient rehab?
- How many days of rehab do you cover?
- Which programs in my area accept Cigna?
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.
What If Cigna Won’t Cover All of My Treatment Costs?
If your policy doesn’t cover the entire cost of rehab, there are alternative ways to finance your treatment, including:
- Payment plans that allow you to pay in monthly installments
- Sliding scale fees that allow you to pay what you can, based on your income level
- Grants or scholarships through the Substance Abuse and Mental Health Services Administration (SAMHSA) or participating rehab centers
- Healthcare loan or credit card
- Savings, or a money loan or gift from trusted family members
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.
Get Help Now
Adelante Recovery Center offers comprehensive drug and alcohol rehab programs at our Orange County drug treatment center in Corona del Mar. Our residential inpatient programs are designed for people struggling with moderate to severe addiction. Our residential program provides round-the-clock care in a safe, supportive environment.
If you’re concerned about a loved one or you’re ready to begin a substance abuse treatment program, contact our administrative team to find out what your Cigna plan covers. Help is just a phone call away.