Unfortunately, there is a great deal of misinformation regarding how and why people become addicted to drugs and alcohol. This has led to the development of a stigma regarding the necessity of attending an addiction treatment center for recovery.
In reality, it has been proven that addiction is part of a brain disease that prevents a person from being able to stop using drugs or alcohol on their own. In order for a person to be able to get better, they must receive specialized care for both their mental and physical health.
The one thing that often stops addicted individuals from getting the help that they need is their concern about how they will be able to afford treatment. Many insurance companies, like Cigna, are finally beginning to cover addiction treatment programs.
This breakthrough means that anyone who has Cigna insurance and needs treatment for their addiction should be able to seek treatment once they understand their Cigna plan and level of coverage.
Does Cigna Cover Addiction Treatment?
Cigna insurance company is currently leading the way in addiction treatment coverage because of their creation of a specialized behavioral health division. This division helps addicted individuals by giving them free information about the signs of addiction and how it can affect a person physically and emotionally.
They also have numerous articles and podcasts on their website that friends and family members can view if they need further information about what their loved one is going through.
Besides their educational programs, Cigna covers the following addiction treatment services:
- inpatient and outpatient care
- residential treatment
- medications to ease withdrawal symptoms
- detoxification programs
The percentage of addiction treatment that they cover depends on which of the four tiers of Cigna coverage that a person has with them. Tier levels are bronze, silver, gold, and platinum.
The bronze plan covers the least amount, and coverage doesn’t begin until a person meets their deductible. The platinum plan covers the most, but it is more expensive.
How To Use Your Cigna Plan For Addiction Treatment
Rehab centers that accept Cigna insurance are usually part of their network of preferred doctors. Those who want to go to rehab centers that are outside of the network can sometimes do so if they pay a higher premium for their insurance coverage.
They also have to have a recommendation from their primary care physician. Another important thing to know about how to use Cigna insurance coverage for addiction treatment is that they are often willing to cover up to six weeks of inpatient care.
Inpatient care is covered by Cigna for those who are unable to stay away from drugs or alcohol or individuals who are suffering from severe withdrawal symptoms.
After this, the company strongly encourages individuals to switch to an outpatient program, which they attend only during the day.
In order to ensure that care is received, the company has to be contacted for approval though, especially if there is a high chance that they will need to be in an inpatient treatment program for longer than this amount of time.
Group and individual counseling are also covered. But the amount of counseling sessions that a person can receive depends on their coverage. When using Cigna to pay for addiction treatment, it is crucial that a person fully understands their policy before heading to a rehab program.
List of Cigna Plans By State
The following is a list of the states that offer Cigna insurance plans which may be accepted by rehab facilities:
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
Elevate Is In-Network With Cigna Of California
At Elevate Addiction Services we accept Cigna of California. This means that your treatment costs could be completely covered depending on your specific plan.
For more information on our treatment plans and what kind of treatment will be covered under your insurance, contact our treatment specialists today.