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.

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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.

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Addiction Centers That Accept Cigna

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    Name / Address / Rating Description Treatments / Payments / Programs Review / Contact Images
    1
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.90 / 10
    5.0
    (16 reviews)
    Soberman’s Estate, located in Cave Creek, Arizona, is an alcohol and drug rehab center that provides addiction treatment services to adult men, professionals, and public figures. They are a discrete, luxury rehab for individuals aged 30 to 80 years old. This location caps their treatment center at ten men at a time. As one of leading inpatient re
    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 worked better than I expected. The staff is remarkable - professional, considerate and genuinely caring. 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. I feel confident, secure and grateful for my new life. I have reconnected with my family and friends. Thank you Soberman.
    George B.
    4 months ago
    Yes, very professional staff, treatment, therapist, chefs were good! even the home cook did the best she could, and loved the horses of Course! Saturday morning hiking was fun to explore the trails of the nearby mountain area!
    John E Williams
    4 months ago
    I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
    Kevin Crawford
    4 months ago
    Soberman's Estate
    5
    5
    The facilities at Soberman's Estate in Cave Creek, AZ 1 The facilities at Soberman's Estate in Cave Creek, AZ 2 The facilities at Soberman's Estate in Cave Creek, AZ 3 The facilities at Soberman's Estate in Cave Creek, AZ 4
    2
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.81 / 10
    4.9
    (500 reviews)
    Check iconClaimed
    All In Solutions Detox in Simi Valley is one of the best ranked inpatient detox facilities in California providing safe, medically supervised care for individuals beginning their recovery from drug or alcohol addiction. As part of the All In Solutions Behavioral Health network, this facility serves as the first step in a full continuum of care. Cli
    Amazing place they helped me get my faith back and I really enjoyed the groups. It was honestly the best treatment I have been to and I have been to guide quite a few. Thank you so much
    chris carter
    6 days ago
    The staff and community were incredible. Very accommodating!
    Kyle Forbes
    1 week ago
    Great place. Great staff. Hepsibeth is an excellent counselor!
    Ryan McDonald
    1 week ago
    The facilities at Divine Detox in Simi Valley, CA 2
    5
    5
    The facilities at Divine Detox in Simi Valley, CA 1 The facilities at Divine Detox in Simi Valley, CA 3 The facilities at Divine Detox in Simi Valley, CA 4 The facilities at Divine Detox in Simi Valley, CA 5
    3
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.80 / 10
    5.0
    (66 reviews)
    Symetria – Hurst Outpatient Rehab and Suboxone Clinic in Hurst, Texas, is a private drug rehabilitation clinic for adults. One of the best outpatient rehab centers in Texas, Symetria offers various withdrawal medications to help clients get started with their recovery journey. You’ll also have access to treatments such as the intensive outp
    Symetria is unbelievably amazing!!! The Hurst staff is phenomenal!!! I can't imagine that another location has a better staff. A special shout out to Deborah, Benjamin, and Samantha of course. You all are doing amazing, amazing, selfless work. You all are very special to so many!!!
    Vernon Godsey III
    4 months ago
    Huge shout out to the team at symetria who make me feel like family I appreciate everything they do and huge shout out to Osagie for helping me! He is AWESOME!!! I love you symetria❤️❤️❤️
    Chloe Roseman
    4 months ago
    BEST PLACE EVER. I have tried various other doctors/clinics and none of them even begin to compare to this one. The staff here is absolutely amazing. I can’t even make a single complaint. Dr Son is the best as well. He explains everything and you truly feel like he understands you. I can proudly say this, this place saved my life. If you or someone you know needs help getting off opiates do it right the first time and come here. You won’t be disappointed. If you are specifically struggling with fentanyl please don’t waste your time with other ways. I have tried 6 other methods from lazer therapy to having the earpiece to suboxone. Methadone is the key to our current fentanyl crisis. This clinic makes recovery possible again!
    Mason
    5 months ago
    Symetria Recovery - Hurst TX 76054
    5
    5
    The facilities at Symetria Recovery - Hurst in Hurst, TX 1 The facilities at Symetria Recovery - Hurst in Hurst, TX 2 The facilities at Symetria Recovery - Hurst in Hurst, TX 3 The facilities at Symetria Recovery - Hurst in Hurst, TX 4

    Boca Recovery Center – Bloomington Alcohol & Drug Rehab

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    Bloomington, IN
    4.9
    (201 reviews)
    The Boca Recovery Center is a luxury alcohol and drug rehab center for adults in Bloomington, Indiana. They specialize in cutting edge addiction treatment provided in a residential setting. One unique part of this alcohol and drug rehab in Indiana is the peaceful, secluded setting. If recovering in a clinical hospital setting doesn’t sound very a
    View Website (930) 203-1400
    Incredible place to find yourself, great sense of community. The entire staff truly cares about the well being of clients
    Isaiah
    6 days ago
    Great place they do great work recommend it to anyone who needs the help
    Alex Lewis
    6 days ago
    Really guud experience
    Checkers -
    6 days ago
    Boca Recovery Center Bloomington IN
    6
    6
    boca recovery bloomington side entrance Boca Recovery Bloomington kitchen area food prep boca recovery bloomington bedroom boca recovery bloomington lounge
    4
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.80 / 10
    4.9
    (291 reviews)
    Check iconClaimed
    All In Solutions Counseling Center is a mental health center and addiction treatment program in Boynton Beach, Florida. They provide a partial hospitalization program, an intensive outpatient program (IOP), an outpatient program, medication-assisted treatment, and mental health care for adults with substance use disorder. All In Solutions Counseli
    The staff were amazing. Can really tell the people care about you. Amazing people who have lived through the experience and recovery they are trying to show all of us. Can’t recommend it enough.
    Tyler
    2 weeks ago
    such a good facility. love all the staff! nicole is an awesome therapist!
    Sydney Shaw
    3 weeks ago
    All In Solutions received me with open arms for the second time. The staff make sure you receive a high quality care treatment. I’m grateful for the love and care . God continue to bless everyone.Thank you for you do .
    Jianil Richiez
    1 month ago
    4
    5
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.80 / 10
    4.9
    (451 reviews)
    Check iconClaimed
    Boca Recovery Center – Galloway is a drug and alcohol rehab in Galloway, NJ. They provide inpatient addiction treatment and medical detox. Boca Recovery’s New Jersey Drug & Alcohol Rehab, located in Galloway, New Jersey offers residential addiction treatment, medical detox, and medication-assisted treatment in an immersive treatment s
    My sobriety journey started at Boca. The staff members including Miss Tracey, Hannah and Kevin their alumni coordinator have completely flipped the trajectory of my life. I was immediately taken in with open caring arms and they made my detox process as comfortable as possible. During my stay, Joe was extremely helpful in helping me slowly gain my appetite back and start to feel stronger and was so attentive to my nutritional health. Nurse Patrick was so kind to me during my intake and Kevin still reaches out to me very often to check in and is so helpful in my recovery process. I owe gaining my life, my strength and my family back to Boca and I am eternally grateful❤️
    Rianna Dean
    1 month ago
    Great facility with even greater staff. One of the best rehab/detox in South, NJ.
    Donna Kratzer
    1 month ago
    Very comfortable stay
    Will
    1 month ago
    Boca Recovery Center - Galloway NJ 8205
    7
    7
    Boca Recovery Center Galloway NJ, exterior with brand sign Boca Recovery in Galloway, NJ front door exterior Boca Recovery Galloway, NJ dining room interior
    6
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.77 / 10
    4.9
    (111 reviews)
    If you’re looking for a Christian-based men’s drug rehab center, S2L Recovery in Woodbury, Tennessee, might be the place for you or your loved one. Located at the top of Short Mountain, and overlooking the green hills of Middle Tennessee, this residential and detox clinic boasts a one-to-one staff/patient ratio so there’ll always be someone t
    Coming from Canada, I was hesitant. But God knew that S2L was exactly where I needed to be. At 64 years of age, I was able to discover my true identity, purpose, and mission in Christ. They help you in trying to get clean and sober for sure. But what S2L and the staff are all about is the Gospel of Jesus Christ. That’s why it is so successful.
    TIM TANNER
    4 months ago
    I’ve had the privilege of seeing the life-changing impact this ministry has on countless men & I can’t recommend it highly enough! God has His Hand on this ministry & I’m honored to see the Lord work in these men!
    Hunter Stanfield
    4 months ago
    Come here with a open mind and heart. It can and WILL change your life in all ways. Trust the process and trust God! Could go on and on about how amazing this place, I'll forever be grateful!
    Trevor Woodard
    4 months ago
    S2L Recovery TN 37190
    6
    6
    The facilities at S2L Recovery in Woodbury, TN 1 The facilities at S2L Recovery in Woodbury, TN 2 The facilities at S2L Recovery in Woodbury, TN 3 The facilities at S2L Recovery in Woodbury, TN 4

    Avenues Recovery Center at Lake Ariel

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    Lake Ariel, PA
    4.8
    (307 reviews)
    Check iconClaimed
    Clients seeking treatment for alcohol addiction may be required to undergo detox first. As one of the best detox facilities in Pennsylvania, the process at Avenues Recovery Center ensures any abused substances are out of a client’s system and that they are in a healthy frame of mind when they enter residential treatment. Detox is overseen and
    View Website (570) 354-6060
    Staff is incredible! Joey was a great help for my recovery.
    Kurt Adams
    1 month ago
    This was a great place to start over very laid back. Food counselors and techs are great
    Jeremie Czekalski
    1 month ago
    Been sober a few months now thanks to this place. My counselor Val helped me through some of the hardest moments of my life and supported me & my family every step of the way. Addiction took over my life and nearly destroyed my relationship with my family. I would not be here if it was not for her, Avenues and the wonderful staff they have there. Tyler, Cassie and Joe Kane were also a big help. Would recommend to anyone needing help.
    Chris
    1 month ago
    Avenues Recovery Center at Lake Ariel PA 18436
    5
    5
    The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 1 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 2 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 3 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 4
    7
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.76 / 10
    4.8
    (299 reviews)
    The Steps To Recovery addiction treatment center is situated in Levittown, Pennsylvania. At this drug rehab center, patients can expect to engage in a unique treatment approach that focuses on helping individuals recover through authenticity, intimacy, community connection, and transparency. Steps to Recovery offers a serene and private environ
    Good place, great housing
    Nicole Rivera
    3 months ago
    Amazing support network and great staff lovely time with my stay at STR buck
    William Perry
    3 months ago
    My experience at Steps to Recovery has been great for the most part, the people and the environment are very welcoming and comforting. I have had some issues that have come up, but they usually get resolved. My only main gripe is with some of the other clients at the community living house fail to clean up after themselves, and some do not know self control. But, the staff here is very professional and easy to talk to. I find that the opportunities here for my recovery journey are pretty good, although I'd like access to more holistic therapy resources. I've actually personally facilitated a Dharma meeting and will facilitate more in the future. I appreciate my time here at STR and am excited for the future with them.
    Jerry Davis
    4 months ago
    Steps to Recovery PA 19056
    6
    6
    The facilities at Steps to Recovery in Levittown, PA 1 The facilities at Steps to Recovery in Levittown, PA 2 The facilities at Steps to Recovery in Levittown, PA 3 The facilities at Steps to Recovery in Levittown, PA 4
    8
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.76 / 10
    4.8
    (318 reviews)
    Check iconClaimed
    Located in Watsonville, California, Elevate Addiction Services provides alcohol and drug rehab services to men and women suffering from addiction. Their levels of care include detox, inpatient treatment, and outpatient treatment. One of the best ranked Outpatient treatment centers in California, Elevate Addiction Services provides a wide continuum
    Thank you elevate for being a jam up place and helping me get back too sobriety for the first time in my adult life. I appreciate you guys more than you’ll ever know!
    Cameron Laster
    1 week ago
    Elevate was an awesome experience. I learned a lot about myself and I now have the tools for long term sobriety
    Colin Yan
    2 weeks ago
    Elevate has been a life changing experience. The staff is very professional and compassionate. The community of clients is very special and the morale is unlike anywhere else. I would highly highly recommend Elevate Addiction Services to anyone struggling with addiction. From detox to the very end of your stay you are well taken care of.
    Travis Boe
    2 weeks ago
    Elevate Addiction Services CA 95076
    5
    5
    The facilities at Elevate Addiction Services in Watsonville, CA 1 The facilities at Elevate Addiction Services in Watsonville, CA 2 The facilities at Elevate Addiction Services in Watsonville, CA 3 The facilities at Elevate Addiction Services in Watsonville, CA 4
    9
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.75 / 10
    4.8
    (378 reviews)
    Check iconClaimed
    All In Solutions Counseling Center is a mental health and addiction clinic in Cherry Hill, New Jersey. They provide outpatient addiction treatment and mental health care. They offer options like an intensive outpatient program, a partial hospitalization program, and medication-assisted treatment. All In Solutions Cherry Hill Drug & Alcohol Reha
    All In Solutions changed my life in ways I can’t fully put into words. I came in feeling lost, broken, and unsure if recovery was even possible for me. From day one, I was met with genuine compassion, patience, and people who truly cared about me as a person, not just my addiction. This program helped me heal not only mentally and emotionally, but spiritually. I found a connection to something greater than myself, learned how to sit with hard feelings instead of running from them, and started to believe that my life had purpose again. They gave me the tools, support, and safe environment I needed to grow, rebuild my self-worth, and create a foundation for a healthy future. Today, I am over a year sober — a miracle and a second chance at life that I don’t take for granted. That new beginning started here. I will always be grateful to All In Solutions for helping me find hope, strength, faith, and a new way to live.
    Monica Bitrick
    3 weeks ago
    All In Solutions has changed my life... I highly recommend this program to anyone fighting drug addiction or any problems they are facing in life. ALL the staff are amazing and very professional!! When I got here I had no hope on my future and now that I've completed this program, my dreams are becoming reality. They have taught me so much about myself and life in general to the point that I have COMPLETE confidence that I will stay sober and be able to accomplish any goal I set forward. Thank you to all the staff at All in Solutions, you guys ROCK!!!
    Forest Boyz
    3 weeks ago
    All In Solutions changed my life! I originally committed to 30 days but less than a week in extended to 90, the staff truly care about their clients and the therapy is top tier! Would’ve stayed longer if u could:)
    Mack
    1 month ago
    4

    Avenues Recovery Center at Fort Wayne

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    Fort Wayne, IN
    4.8
    (758 reviews)
    Check iconClaimed
    Situated in Fort Wayne, Indiana, Avenues Recovery Center is a modern, hotel-like addiction treatment facility. They offer a full continuum of care from inpatient detox, residential, medication-assisted treatment (MAT), outpatient and aftercare programs. They have a 95% long-term sobriety success rate. Residential treatment can begin with detox if n
    View Website (260) 235-5900
    They helped me clean up and look forward and stay positive thank you Tricia for the classes
    Cheif
    1 month ago
    Avenues provided me with the treatment I desperately needed without even knowing I needed it. I learned so much about the disease of addiction, myself, others, recovery, and healthy coping skills to help me further my journey. Miss Gina, Heather, LaToya, Melissa, Jenna, Kyla, Sunny, and LaToya are AMAZING! Bobby and Lopez are also AMAZING. Miss Gina made me feel loved and safe from day 1. Everyone there made me feel loved and safe. They also fostered an environment which encouraged all female clients to support and lift one another up at all times. It was a healthy and loving and healing experience; and I am so very thankful.
    Ama Nes
    1 month ago
    This was a great place to come for my much needed recovery. The staff was great and did a great job at taking care of my individual needs, and personalized care. I truly appreciate everything they have done for me
    Matt Smith
    1 month ago
    6
    6
    Avenues Recovery Center at Fort Wayne IN 46807 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 1 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 2 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 3
    10
    Top 10 in Cigna
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.71 / 10
    4.7
    (239 reviews)
    Check iconClaimed
    All In Solutions Wellness Center is a treatment facility located in West Palm Beach, Florida. This facility specializes in treating adults who are struggling with co-occurring disorders and addiction. The levels of care offered here are detox, residential, and aftercare programs. As one of the best-rated detox centers in Florida, All In Solutions
    It’s been great and friendly. I highly recommend rob, cc and Sabrina not to mention Carlos. It’s been nice meeting you all!🙂
    David Phelps
    5 days ago
    All In Solutions was the best decision I’ve made in my life. From the moment Jason picked me up from the airport, to Sam and Keith doing my intake, Ms.Dela making sure I had food, the nurses and providers being so attentive to my medical needs, the therapists and facilitators helping me to rediscover my inner child and helping love myself again and all the techs that made sure I always had what I neeeded. Special shout out to CeCe, Trinity, Carlos, Rob, Fab, Jason, Ricky and chef Jason! Love this place! Let them help you find your sober self!!!
    Sean White
    1 week ago
    The staff were great to work with. Location clean. I just wish that some issued were addressed sooner and there was access to some grass. They helped me work through issues i didnt even know were associated with my problem and took me through the entire process. Thank you team.
    Sahara Walker
    1 week ago
    5
    5
    The facilities at All In Solutions Wellness Center - West Palm Beach, FL in West Palm Beach, FL 2 The facilities at All In Solutions Wellness Center - West Palm Beach, FL in West Palm Beach, FL 4 The facilities at All In Solutions Wellness Center - West Palm Beach, FL in West Palm Beach, FL 5
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    Frequently Asked Questions

    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.

    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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