Cigna Healthcare Coverage for Addiction Treatment & Rehab
Discover how Cigna covers addiction treatment. Learn about plan options, coverage for detox, inpatient care, and outpatient services.
Cigna Healthcare Coverage for Addiction Treatment & Rehab
Discover how Cigna covers addiction treatment. Learn about plan options, coverage for detox, inpatient care, and outpatient services.
Cigna Healthcare is the health benefits provider of The Cigna Group, a worldwide company that serves individual customers, U.S. Government customers, and businesses/employers. They have 178 million customers and 2 million health care providers. Cigna health insurance is often accessed through an employer, but they do offer individual healthcare plans.
In addition to providing healthcare plans, Cigna supports many community programs to help youth, LGBTQ individuals, veterans, and others who may face health disparities. They also aid in disaster relief efforts.
Does Cigna Healthcare Cover Addiction Treatment?
Cigna Healthcare does cover mental health and substance abuse treatment, but because the company is so large and has so many different healthcare plans, the benefits offered in specific plans differ widely and the options for treatment vary.
So, it is important that you check with the insurance company to inquire about any specific plan that you may be considering. To comply with the 2008 Mental Health Parity Act and the Affordable Care Act (Obamacare), all mental health and substance abuse treatments offered by healthcare insurers must be made available to consumers at the same level of access as other medical treatments.
The Insurance Marketplace has 4 levels of healthcare plans, and each specifies a maximum percentage of out-of-pocket expenses that can be charged to consumers. You should be aware that pre-authorization may be required to access substance abuse treatment, and the level of care that is offered will likely be subject to the recommendation of your physician.
This is an ad and Evolve Indy – Indiana Drug & Alcohol Rehab is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
Had a great experience there with everyone from the techs to the instructors
jeremy k
1 month ago
This place has save my life in so many ways I love all the techs. This isn't jus a recovery center this is a family love you all at evolve indy
-Amar
Amar Stevedores
1 month ago
This place is a great place to go if you need help with substance abuse or just mental health as well. When I went, I unfortunately didn’t take it very seriously but the people that did take it seriously have been very successful. Kyler was a great mentor while I was there, and he along with the other techs all seem very genuine and honest and willing to help in anyway they can. I am extremely grateful for this place, as well as Kyler especially. I don’t think I would be where I am today without him as a mentor.
Avenues helped save my life they were so personable and helpful and made sure I had somewhere safe to go when I left there and the Avenues alumni is absolutely amazing I would recommend to anybody who is struggling with their addiction who is seeking help this is a wonderful place
Reagan Schorey
3 weeks ago
Avenues helped me out so much the staff were helpful and my therapist Ms. Linda was awesome. If you need a rehab come here.
Hannah Fairley
4 weeks ago
Avenues has a great place for me and my recovery. The staff is excellent and the food is good. The whole atmosphere is good for some one trying to get clean. I also would like to thank Lee, Travis, Kelsey, Nick, and the whole nursing staff!
Staff has a TON of knowledge an truly cares an wants you to be the best version of you. I truly appreciate the Love I felt!!!!
Henry Plonski
3 weeks ago
This place truly saved my life I never thought of it helping me but the facilitators really care about the people holly really goes to the ends of the earth much love
Kamron Wright
3 weeks ago
I came to avenues a broken soul. I didn’t love myself or anybody else. I did not want to live anymore. I have been to 5 star rehabs with private chefs and rooms that look like the four seasons and those places have nothing on avenues Cambridge. This place is truly amazing and that’s coming from a dope fien. I’m no longer a slave to my addiction and I will forever love avenues, holly is the alumni cordinatoor and she is amazing I definitely recommend coming here if your struggling
I have been to several Rehab centers. This the best Rehab I have been too, the Counselors, are excellent. The Clinical Director Donna, is Great. She has a zero tolerance for Foolishness. The groups, are engaging and deal with the coor of the clients addiction.
Edward Woods
4 weeks ago
Attending extensive care at Avenues Metairie has been very beneficial for my recovery. I have learned so much from the groups and I feel like I've been challenged in positive ways that will help me stay sober and maintain a healthy lifestyle.
Jessica Sciortino
4 weeks ago
Counseling and group therapy are the best things about this place in my experience. The staff is friendly and supportive. If you apply yourself and are willing you will be able to learn a lot. An except first step in recovery. Nursing and mental wellness are some of the best I’ve received. Very caring and supportive. 10/10
This is an ad and Findlay Recovery Center is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
FRC was a place that they care about you and your not just a number they care about your health along with your mental wellbeing I can’t say enough on the staff they help you out best they can I would recommend this place to anyone that needs to get clean
Jim Fanson
4 weeks ago
Had a great experience there with everyone from the techs to the instructors even a great nursing staff
jeremy k
1 month ago
Frc is a really good facility, it was very beneficial for me, it's a really good program. Some of the best advice I got was from the people I met here. Corey one of the techs here was very helpful and supportive while listening to me and helped me get through my time here.
Soberman’s estate saved my life and the staff was tremendously amazing. I deeply appreciate their commitment to assisting individuals battling with depression and other addictions. Thank you Brady, Trish, Janice, Jody, Allen and the entire staff.
Japhet Niyizigama
3 months ago
My partner spent 9 weeks here last fall. Having tried other inpatient and outpatient programs, I can say that Soberman's truly helped him discover what life was worth living for. The staff and the care they provide are top-notch. I think this place truly saved his life. From a family perspective, I really appreciated how they included me and others in his family in his care. The family support calls and the ability to do family therapy sessions helped me understand his journey better, but to also understand my role in all of this. Overall, I can't recommend Soberman's enough; we are grateful to be a part of their community!
Jenny Martin
4 months ago
Soberman’s Estate was everything I needed for my recovery. The staff, the program, physical activity and culinary experience were top notch and essential. The program is well designed and works better than I expected. My time there and being removed from alcohol for five weeks was everything I needed to remove my craving for alcohol. Soberman has changed my life in ways I never could have imagined.
Five-Star ReviewChoosing this design for change treatment center was one of the best decisions I ve ever made. From the moment I walked through the doors, I felt a sense of safety, support, and genuine care that I hadn t experienced anywhere else. The facility is beautiful and peaceful, but it s the people who make this place truly special.One of the standout individuals on the team is Tiffany, one of the directors. Her compassion, professionalism, and unwavering dedication to every individual s recovery journey is something you rarely see. Tiffany doesn t just talk the talk she truly walks with you through the process. Whether it was a rough day or a breakthrough moment, she was there offering insight, encouragement, and a calming presence that made all the difference.The program is thoughtfully designed, blending evidence-based therapy with holistic practices, and the staff are all incredibly knowledgeable and supportive. You re never treated like a number here you re seen, heard, and deeply respected.If you re looking for a place that s not only committed to helping you heal but also to empowering you long after you leave, this is it. I m beyond grateful for my experience, and for people like Tiffany who pour their hearts into the work they do every single day.
salim halabi
2 months ago
Deciding to go and stay at DFC was the best thing that happened too me. The staff and counselors are world class. The education and treatment I received changed my life. Care, compassion, & understanding of my disease from the staff kept me focused on my recovery. I owe my future to this program - and it is looking bright!
Angela Simpson
3 months ago
Wonderful and knowledgeable staff. Nick and Adam are substance abuse counselors who really truly care and their experience was invaluable. This place is truly unique within the recovery community.
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Jaywalker Lodge is truly a phenomenal facility. It is so much more than that. Treatment centers tend to boast about and claim to be what Jaywalker actually embodies. Jaywalker Lodge is a fully comprehensive recovery community. It is a sacred place of healing that I would emphatically recommend to anyone seeking recovery.
Micah Cook
3 months ago
A great resource for those who can fully commit, especially for those who choose to stay in the area.
Ginny Mills
4 months ago
This is Maxwell Kremin a former and proud patient. I came to Jaywalker after a very bad experience at another treatment facility. Over there, there was a clear focus on money over treatment. This is the exact opposite of Jaywalker. Jaywalker would not spare a dime if it meant that we would have a better experience during recovery. The staff are incredible and the other patients I met were some of the most amazing guys I’ve met in my entire life. If you or someone you care about is dealing with addiction this is hands-down the only place in America to send them if you truly care about them. I extend my sincerest appreciation to all still working at Jaywalker.
I AM SO THANKFUL FOR SYMETRIA AND THE GREAT STAFF.They are very helpful with any questions or concerns you may have about the program They make you feel at easeThey don't judge you it's a really great and safe place to began recovery. I highly recommend symyetriaTo all staff : thanks so much. N.B
Nolan Brown
3 months ago
Symetria saved my life in more than one way. Each member of this team deeply cares about the patient without judgement. Vannah is such an incredible Clinician who truly listens, is an advocate for her patients, and is helping me work through my trauma to heal in a healthy way. I am forever grateful for this entire team: Samantha, Vannah, Dr. Son, the wonderful nurses. Thank you for saving my life and helping me heal.
This place changed and saved my life. I owe the staff and owners everything. They took a dead man walking and gave me hope through God and the 12 steps of Narcotics Anonymous. If you need a way out I recommend you give this program a chance. It is above and beyond a different take on rehabilitation. The staff really care, the groups are small and even the owners really support recovery. It's a blessing from God or whatever your higher power may be. May you find him today...
Christopher Vincent
5 months ago
I completed my treatment at Enlight Treatment Center a year ago, and it was a truly transformative experience. When I first arrived, I was dealing with the aftermath of a broken jaw and the emotional scars from being tortured at a fake detox center, which left me terrified to trust anyone. The staff at Enlight went above and beyond to accommodate my needs, ensuring I received the best care possible.Understanding my dietary restrictions due to the injury, the chef prepared special meals that were easy for me to consume, allowing me to focus on healing without worrying about nutrition. This attention to detail and compassion made a significant difference in my recovery journey.The comprehensive care I received included a tailored treatment plan addressing both my substance use issues and the emotional challenges I faced. The staff's genuine compassion and understanding helped me slowly rebuild trust and feel safe in my environment. Their dual-diagnosis approach was instrumental in helping me manage co-occurring mental health conditions and regain control over my life.I am especially thankful for their expertise in helping me get clean off Suboxone, which was a significant milestone in my recovery journey. The caring environment at Enlight made all the difference, providing me with the support and encouragement I needed to overcome my fears and embrace a new chapter in life.Reflecting on the past year, I am incredibly grateful for the foundation Enlight Treatment Center provided, enabling me to overcome not only my addiction but also the physical and emotional hurdles I faced upon arrival. I highly recommend it to anyone seeking compassionate and comprehensive care.-Nik
Taylor Proechel
8 months ago
My first time here was ever lasting but my Second time here was and is still one of the biggest reasons I am fully committed and connected to finding myself in so many ways. This place is no joke and is very serious about whatever it may be that you need help with. I met amazing people in the process of being there and of course let me not forget to mention how loving the staff is! Thank you so much with all my heart! -Frankie!
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Frequently Asked Questions
Does Cigna Cover Suboxone & Methadone?
Medication-assisted treatment (MAT) involves the use of FDA-approved medications for either medical detox or longer term treatment of opioid or alcohol use. Detoxification is the process of allowing substances to leave your body, and medication can be helpful in managing withdrawal symptoms.
For longer term treatment, providers combine prescription medications with other therapies to treat opioid or alcohol addictions. Suboxone and methadone are two of the FDA-approved medications for MAT. These prescriptions may be covered under your Cigna plan, depending on your medical needs and the type of plan you have.
What Levels of Care are Covered by Cigna Healthcare?
Insurance companies focus on covering medically necessary care that will help you achieve long term recovery. This may include both inpatient treatment and outpatient care, along with telehealth options.
Inpatient substance abuse treatment takes place in a hospital or clinic. Residential substance abuse treatment occurs in a non-hospital facility with a more home-like setting. Both options provide around-the-clock care and monitoring by professional staff and can last from a few weeks to 60 days or more. These programs may also offer detox services.
Outpatient care has several options based on your needs. Partial Hospitalization programs (PHPs)–or day programs–allow you to attend treatment during the day and return home at night. PHP programs often run for 4-8 hours a day, three or four days a week, and take place over 30-90 days total.
An intensive outpatient program generally offers 9-20 hours of treatment per week. These are usually spread over 3 to 5 days. The minimum duration of IOP treatment programs is usually 90 days.
A typical general outpatient program includes counseling sessions that take place once or twice a week, with group counseling and educational sessions on topics of addiction and relapse prevention education. Individual sessions are often provided on an as-needed basis.
Telehealth involves virtual services that may take place through a phone call or via the internet, using either video conferencing or chat messaging.
Types of Insurance Plans Offered by Cigna Healthcare
Cigna Healthcare provides a wide variety of insurance plans, including individual and family plans in the Insurance Marketplace, Medicare Advantage plans, and employer plans.
Individual and family plans in the Insurance Marketplace can be either preferred provider plans (PPOs) or Health maintenance organization plans (HMOs).
With PPOs, you get to choose your own doctor and treatment facilities; no referral is required. But out of pocket costs are generally higher with PPO plans. HMOs allow you to enjoy lower monthly fees but have higher deductibles than PPOs. You will need to designate a primary care provider to give you referrals to specialists and your care will be provided by the HMOs network of providers.
Cigna Healthcare offers Medicare Advantage (“Medicare part C”) plans. Medicare Advantage plans provide the same services as Medicare, but often with extra benefits, such as prescription drug coverage. Medicare coverage for drug rehab most often includes either inpatient or outpatient treatment, with detox, if needed. But you must have a diagnosis of a substance use disorder (SUD) from your doctor, and the doctor’s recommendation will usually determine which level of treatment you are offered. Co pays and deductibles may be required.
To learn more about Cigna Healthcare’s Medicare Advantage plans, go here.
Does Cigna Cover Mental Healthcare?
Yes most Cigna health insurance plans cover mental health care. Cigna health insurance mental health coverage can include therapy, psychiatric evaluations and medication. Two federal laws require health insurance providers to offer coverage for essential health benefits. These benefits include treatment for substance abuse disorders and mental health conditions. However there are exceptions to the laws and the extent of your coverage depends on your insurance plan.
Your coverage may limit the type of therapy you can receive and the duration of your treatment. Your plan may also limit coverage for out of network providers. Most people must pay a deductible before the insurance begins providing benefits and many plans include co payments and coinsurance. Cigna members also have access to virtual care or telehealth services including behavioral health therapists, psychiatrists and counselors.
You can speak with your doctor about getting access to mental health therapy or getting integrated treatment for co occurring mental health conditions alongside substance use disorders. Before receiving therapy you should verify your insurance benefits and coverage so you are not surprised by a bill. Your physician, therapist or treatment center can assist you.
Can I Travel Out of State for Treatment with Cigna?
Your Cigna plan generally provides care within the defined provider network. If the provider network includes centers outside your state or if your insurance plan allows you to receive coverage for out of network providers you may be able to go out of state for treatment. However most of the time the provider network will be local to where you live.
Even if you are able to get coverage outside the provider network keep in mind that the out of pocket costs may be significantly higher. For example the copayment may be significantly more for out of network care.
Before traveling out of state it’s important to check with your Cigna plan provider so you understand your benefits before you use them.
What Should I Do if Cigna Won’t Cover the Full Cost of Rehab?
Your insurance plan determines your coverage for treatment. Even when your plan provides coverage you still have out of pocket costs that include a deductible, copay or coinsurance. You can reduce your costs by working with an in network provider. Your insurance plan typically offers lower out of pocket costs for in network providers than out of network providers.
Fortunately there are other options to help pay for the costs associated with rehab whether you have insurance or not. For example many mental health and addiction treatment centers offer payment plans or sliding scale fees when you qualify.
You can also find grants and scholarships which are helpful because they don’t have to be repaid. Some treatment centers may offer you partial or full scholarships for treatment. Many national organizations and state run organizations also offer scholarships for addiction treatment and mental health conditions.
If you do not qualify for private insurance you may qualify for Medicaid or Medicare. These programs help people who are lower income or older get the care they need.
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