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.
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This place has changed my life. I have never been to a rehab like this. From the counselors to the staff, everyone has been welcoming and so helpful. I have learned a lot and will put it to good use on the outside. So happy i came here and highly recommend it to anyone seriously looking for recovery from this hell that wants to overtake our lives.
Monika Egan
2 weeks ago
Avenues did the job for me! As this was my first time in Rehab it was the best choice to go for recovery journey. The Staff (EVERYONE OF THEM) was AMAZING, caring and supportive.. The Community was nothing but the best and very welcoming..
Amanda Kovaleski
2 weeks ago
I went in just to look good for court and had no plans to stay sober and I left with the passion and motivation for my recovery and sobriety
Very professional, great counselors, and a very good learning experience. Gave me structure and coping skills. Additionally, the psychiatric counseling was top notch.
Gregory Gheen
2 months ago
When it came to the realization I needed help to overcome my addiction, I ended up choosing to go to Sobermans. I couldn't have been more grateful for this choice and the experience. I can't say enough about the accommodations, setting, and food. However those things mean nothing without the proper staff. The best thing about Sobermans is their people. The care I received from each and every member of staff there was overwhelming. I've since returned for some aftercare and Alumni events, and upon my return, it feels like home. I would highly recommend Sobermans for any man that needs help with addiction or getting your mind cleared. I promise, if you put in the effort that their staff does, you will leave different person!
backfortyhunter Rose
3 months ago
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.
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 symyetria
To all staff : thanks so much. N.B
Nolan Brown
6 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.
AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionMental Health
Adult ProgramLGBTQ ProgramYoung Adult ProgramMilitary Program
Self-Pay OptionsMonthlyPrivate Insurance
STR and its staff has truly played a pivotal role in guiding me through life struggles past and present.
Vincent DAngelo
2 weeks ago
STR has been a very special experience. Normally I’m very uncomfortable being in groups while talking about personal issues, but this place has made it very easy to open up!
Matthew Reilly
3 weeks ago
STR has an amazing community from staff to clients!
This is an ad and Avenues Recovery Center at Fort Wayne 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
I learned so much from my program at elevate. They gave me an opportunity to change my life for the better. I would recommend elevate to anyone struggling with addiction.
Ariana Kramer
2 weeks ago
Elevate has changed my life. I have learned how to cope with intense emotions without substances. The full program has not only made me look forward to sobriety, but has made me look forward to living my life
confidently and well-balanced.
Aaron (ATST77)
2 weeks ago
This program really helped my daughter get sober by giving her the tools she needed to figure out that she was only harming herself. My daughter recently graduated from Elevate and has roughly past her 100th day sober and it’s been a big turn around and we are so grateful for the program and happy to have our daughter back home she’s much happier and interacts with the family more unlike before. I can’t thank all of the staff at Elevate for all the patience, understanding, and guidance they gave her.
This was my second tine in DFC outpatient treatment, the reason I chose DFC was their teaching, there, client, and the friendly environment. I have been to many treatment centers in my past when I knew in my heart I was serious about recovering from drugs and alcohol. There was no other place that I wanted to go other than Design For Change. They give group and individual counseling tailored for the individual which helped me tremendously. They help me find out what I want and how to go about getting it in the group setting they don’t allow disturbances. They make sure everyone is focused. An attentive, which makes it easy to learn. DFC, my wife says thank you for giving her her husband back.
Steven Jackson
2 weeks ago
I have attended the Family Workshop many times. It is so amazing and has helped me so much. Dealing with addicted loved ones is so hard. You must have a support system to help you navigate all of the scary, stressful heartbreaking realities of this disease. The Design For Change staff have become like family to me. I know I can call on them when I need advice, someone to listen or just a shoulder to weep on. They understand and are always willing to help. I feel so very blessed to have found them. I wish every suffering addict and their family members would come to DFC for support and help. I am stronger and definitely more educated in dealing with my addicted loved ones one. If you are suffering from addiction or have a family member or loved one who is an addict, there is hope and help at DFC!
Regina Linton
1 month ago
Design for Change is great. Very helpful, staff is supportive and real. Consuelo is the best! They really care about their clients. I went there, and received good advice, and outstanding treatment. Thank God for DFC
AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionSubstance AbuseMental Health
Adult ProgramProgram For Men
Private InsuranceSelf-Pay Options
Coming to Jaywalker was a pivotal turning point in my journey to recovery from substance abuse. I admitted to this program reluctant and broken, not knowing if treatment could help me live a life of fulfillment and freedom from addiction. Jaywalker taught me that community and connection could free me from the desperate cycle of addiction that I felt trapped in. The program focuses on a community based approach to recovery. During the program, I went on activity expeditions, played golf on beautiful courses in the area, competed in pickleball tournaments, and hiked a 14er. The Jaywalker Counselors and Staff are there with you and by your side 24/7 to work with you in all facets of your life. The friends I’ve made at Jaywalker are friends I’ll have the rest of my life. I’m proud to say that I just celebrated my 1st year of Sobriety, and I’m forever grateful what Jaywalker has done for me to help me get there.
Ryan Ceccarelli
3 weeks ago
I am an interventionist and consultant who helps families find appropriate treatment options for their loved ones. All of the clients I have placed at Jaywalker have had an excellent experience and have grown significantly throughout their time there. Their treatment approach is clinically sophisticated, and also acknowledges that treatment is only a small piece of the puzzle in regards to a lifetime of recovery. That is why they focus so much attention on community integration, which research indicates is what really results in long term change.
Carbondale offers a rich recovery community, and Jaywalker is very much at the heart of that community. If your loved one is in need of great clinical work, meaningful experiences in recovery, and a strong and supportive community. Jaywalker would be an excellent option.
Henry Maxwell
1 month ago
This place saved my life. Coming in I was a broken man with no idea how to live a functioning and meaningful life. With the guidance of my peers and the staff here they let me regain a part of my soul I lost a long time ago. The town of Carbondale has an amazing recovery community with people that really care. Coming here was the best decision I’ve ever made and I’m forever grateful that I did.
I love it here! The staff are very friendly and I enjoyed my time here
Gillian Torres
2 weeks ago
I highly recommend gratitude lodge. All the staff are extremely nice and caring people who want to see you exceed. It is comfortable, and the food is great.
Max Steinberg
2 weeks ago
Had a great experience here! Everyone on staff was incredible! Very kind and empathetic people doing God’s work. Taija is a great therapist with seasoned experience and advice. And James, the case manager is one of the best workers I’ve ever seen. Very professional, and an excellent case manager. I’d come again, but only to say hi and not get high.
Words could never express my appreciation for the team at La Hacienda. The buildings are older than I expected, but the love and treatment there is state of the art. The time spent there will put you or your love one on the right track to the life you are seeking. The family program is not easy, but plays a huge role in success. The family support during and after is amazing. It is like an extended family reunion of support each week, where joys are celebrated and those experiencing set backs are supported. Our family will always appreciate and be thankful for La Ha.
Kalynda Lowe
2 weeks ago
Dave Mustaine was there
joel sequeira
3 weeks ago
Choosing La Hacienda Treatment Center was one of the best decisions I’ve ever made. From the moment I arrived, I felt genuinely cared for by every single staff member, from the doctors and counselors to the housekeepers, interns, and chefs. Their compassion and dedication to each individual’s recovery is evident in everything they do.
The medical care was exceptional, and the peaceful, serene environment provided the space I needed to truly heal. From the pool and fitness classes to the art room and beautiful ground, they have created a nurturing and restorative experience.
La Hacienda helped me in ways I could not help myself, and for that, I will be forever grateful. I left with not only a renewed sense of self, but also lifelong friendships.
If you're looking for a place that combines professional excellence with genuine heart, this is it.
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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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