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. Soberman’s Estate focuses on
    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.
    3 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
    3 months ago
    I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
    Kevin Crawford
    3 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.
    8.80 / 10
    4.9
    (541 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
    This place saved my life. Great facility and staff. I was very nervous/scared to come here but the staff were very friendly and helpful. If you are thinking about treatment I highly recommend this place.
    xCochise
    2 weeks ago
    This program dramatically help me get back on track in my recovery and was very well staffed and organized was an amazing experience.
    Jacob Berghaus
    3 weeks ago
    I recommend calling the facility to confirm what the sales team tells you is true. The staff facility and people are great.
    Amanda Cortes
    4 weeks 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
    3 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
    3 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
    4 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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    This is an ad and Boca Recovery Center – Bloomington Alcohol & Drug 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
    Bloomington, IN
    4.9
    (211 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
    This place damn near saved my life. Staff is amazing and care almost on a personal level. Nurses are knowledgeable and groups are interactive informative and inclusive
    V Montez
    6 days ago
    Boca recovery was a magical experience during a very difficult time that will always hold a special place in my heart. From top to bottom, the support of staff is second to none. Tyler and Carrie, Carter, Alexx, Ashley, Brooke, Michelle, Meagan, and the rest of the techs are phenomenal. My therapist January opened my eyes to perspectives I had been missing my entire life and Justin the case manager worked tirelessly from the start all the way until his wife gave birth on my last day to make sure I was set up for success. The nurses are amazing and the medical attention someone needs during this portion of their recovery is 110% offered around the clock. The place has everything you need from a gym to recreational activities, spacious beds with luxury amenities. And one cannot go without mentioning the chef, Tim. You won't find better "rehab food" and conversation. I owe a thank you to the director John for his efforts to get me into a great program after my stay was over. To anyone struggling with with mental health and/or addiction, I cannot shout praises loud enough for what this program has to offer each and every client that walks through those doors. If you want a way out, there's no better place to check in.
    Alex K
    3 weeks ago
    My name is Derick Caldwell and I had a good time there I learned a lot there the staff was amazing especially the techs and the clients they help me get through my depression and sadness just wanted to say Thanks...I forgot the food was right on time also 😁
    James Sander
    3 weeks 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
    (290 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
    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
    4 days ago
    This place changed my life. My therapist was great and all the staff was great.
    Ash Leigh
    1 week ago
    My time at All in Solutions has been the most valuable important decision I’ve ever made. I have nothing but love and respect and gratitude to all the staff who helped guide me to a freedom I thought I could never have!!! I love you guys from the depths of my soul!!! Thank you Thank you Thank you!!!!
    Ben Rhea
    2 weeks 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
    (449 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
    2 weeks ago
    Great facility with even greater staff. One of the best rehab/detox in South, NJ.
    Donna Kratzer
    4 weeks ago
    Very comfortable stay
    Will
    4 weeks 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
    3 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
    3 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
    3 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
    (331 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
    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 week ago
    Avenues is a great program for recovery! Staff is A+ and truly cares about you! I've been to other rehabs and this is by far the best program if you need help! Highly recommend!
    Chris Stolfi
    1 week ago
    The staff is amazing ! The work is hard and worth it Thank you Avenues to help save my life and start a new journey
    Paula Perugino
    1 week 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
    2 months ago
    Amazing support network and great staff lovely time with my stay at STR buck
    William Perry
    2 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
    3 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
    (316 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
    I have been through other treatment facilities in the past; but Elevate has by far been the best experience I could’ve hoped for. Recovery isn’t just the ability to abstain from substances, but the capability of transforming from within. Not only has Elevate help me appreciate the things within me but everything around me as well. Thank you, Elevate for changing the trajectory of my life and my marriage!!
    Michael Amodeo
    1 month ago
    Great place. The staff super nice amd very knowedgable about addictions. Its a very special place. Better than all others ive gone to. Definate thumbs up
    Tyler Kerney
    1 month ago
    Our experience with Elevate Addiction Services has been truly life-changing. From the very beginning, the director, family liaisons, counselors, therapists, continuing care coordinators, house dad's - we felt genuine compassion and care from everyone we had the pleasure of interacting with. We were kept informed of how our son was doing every step of the way. It never felt like we were alone in this. Everyone at Elevate was fighting for our son right alongside of us. The love and compassion shown to our son meant everything. Today, he is living clean & sober, feeling confident in the tools and foundation Elevate equipped him with. Elevate welcomed him with open arms. Watching him complete the program and graduate has been one of the proudest moments of our lives. We are so deeply grateful for Elevate and the loving and compassionate professionals who work there. Without hesitation, we would highly recommend Elevate Addiction Services to anyone seeking help for themselves or a loved one. They helped our son find his way back.❤️
    Kenny & Shelly Wright
    1 month 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
    (403 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! 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 week ago
    The support group for caregivers has been life changing and such a meaningful experience. My loved one went through the program in February 2024. The therapists, staff and facility has been an integral part to his recovery and I could not be more grateful
    Anthony Sbarra
    1 week ago
    The staff is very welcoming and kind. They are here to help you and will meet you where you are at. I’ve had a really good experience here very grateful for the staff and support I’ve gotten here would recommend for everyone!
    Coby Trivitt
    3 weeks ago
    4

    Avenues Recovery Center at Fort Wayne

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    Fort Wayne, IN
    4.8
    (742 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
    Avenues was my first step into recovery. I learned things that were impeccable to my recovery. Thank you avenues!
    Amanda Montgomery
    6 days ago
    Avenues helped me get my life back thank you so much! Shout out to Latasha and Gina! You guys helped saved my life!
    Sylvia Reid
    6 days ago
    Its a reàlly good place and I learned Alot from being here.
    Gauge Rowland
    6 days 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.
    8.70 / 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
    All the techs here are outstanding at what they do.
    Byron Hamlett
    4 days ago
    It was very incredible very educational spiritual and fulfilling
    Francis Nadeau
    5 days ago
    All in solutions is amazing, great staff food is amazing and also the therapist.
    Chayce Frangione
    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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