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.

Awards hero badge
Awards hero badge

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.

Top Insurance Providers

Aetna logo

Aetna

Blue Cross Blue Shield logo

Blue Cross Blue Shield

UnitedHealth Group logo

UnitedHealth Group

Humana logo

Humana

Elevance Health logo

Elevance Health

Beacon Health logo

Beacon Health

Center Type
Levels of Care
Programs
Payment Options
Accreditations
Amenities

Addiction Centers That Accept Cigna

Filter
State
City
    Levels of Care
    Programs
    Payment Options
    Amenities
    Name / Address / Rating Description Treatments / Payments / Programs Review / Contact Images

    South Shores Recovery

    Ad
    This is an ad and South Shores Recovery 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
    Dana Point, CA
    4.5
    (41 reviews)
    Check iconClaimed
    South Shores Recovery is a dual-diagnosis drug rehab and substance use treatment facility in Dana Point, California. They serve adult men and women with detox and outpatient programs.. The treatment center creates a trauma-informed individualized curriculum for every client, comprising conventional, evidence-based treatments like cognitive behavior
    View Website (877) 527-2150
    South Shores Recovery has no reviews yet. Leave a review.
    11
    11
    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.
    5 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
    5 months ago
    I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
    Kevin Crawford
    5 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
    Baton Rouge, LA
    4.3
    (60 reviews)
    St. Christopher’s Addiction Wellness Center is an addiction rehabilitation facility in Baton Rouge, Louisiana. The center opened in 1998 with the vision of offering affordable addiction treatment. They have a residential treatment program for men along with outpatient treatment services available to men and women. They view substance use disorder
    St Christopher was a wonderful experience for me to get sober, learn about Alcoholics Anonymous, and learn about the disease and about myself. The staff from the front office down were fantastic, before, during, and after treatment. I would recommend this place to anyone
    Todd Landry
    7 months ago
    I have been a professional interventionist since 2010. I was introduced to this program in 2012. I have been referring there since then. My clients have always had a positive experience and the clinical and support staff are the most responsive and knowledgeable. They want what’s best for the client and the family and have long term options. They do very well young adult males and most recently I referred a 69 year old man first time treatment. It was a family member and he’s doing very well and committed to 90 days of treatment. I can’t thank the clinical staff and administrators enough for the program they have created. Please contact me if you would like to know more. Thank you STC!!!
    asher levine
    9 months ago
    This is my first time doing IOP and I luv it Mike Ramos is the best my family even luvs him good person great attitude he as a way of wanting to do right and stay right and you can tell he is genuine about his job unlike miss star he as a way of teaching addiction were you understand it always keep Mike and his little dog brisket he's a big part of Saint Christopher's
    Cedric Banks
    1 year ago
    St. Christopher's Addiction Wellness Center LA 70815
    5
    5
    The facilities at St. Christopher's Addiction Wellness Center in Baton Rouge, LA 1 The facilities at St. Christopher's Addiction Wellness Center in Baton Rouge, LA 2 The facilities at St. Christopher's Addiction Wellness Center in Baton Rouge, LA 3 The facilities at St. Christopher's Addiction Wellness Center in Baton Rouge, LA 4
    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
    4.9
    (562 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
    I will recommend this facility to anyone who is in need of a care especially an addict. The staff here has excellent knowledge.
    Shea
    3 weeks ago
    All in Solutions changed my life. The staff here is very friendly and heart warming. Jason my counselor guided me down a healthier, sober lifestyle. Silva is an angel and helped me along the way with my marriage. HepZ is an A++++++ and my buddy Conner helped me find my higher power. I would recommend All in Solutions to anyone seeking a healthier lifestyle and sobriety. Debbie and Anthony are Rockstars and run a wonderful facility.
    Eric Boyer
    3 weeks ago
    This facility is awesome. The staff is so caring about everyone. I would definitely recommend All in solutions.
    Deanna Flores
    1 month 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

    Avenues Recovery Center at Lake Ariel

    Ad
    This is an ad and Avenues Recovery Center at Lake Ariel 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
    Lake Ariel, PA
    4.8
    (355 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
    Avenues Recovery Center at Lake Ariel has no reviews yet. Leave a review.
    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
    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
    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
    5 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
    5 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
    6 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
    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
    (447 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 Center Galloway is a 22-bed addiction treatment facility in Galloway, New Jersey, offering medically supervised detox, residential care, and outpatient programming in an upscale, evidence-based
    Authentic, genuine and compassionate staff! Everyone here was committed to helping me recover and teach skills to stay recovered. Great food and customer service. They’ll help you get better!
    Nathan Farley
    3 weeks ago
    First time in rehab Rick, Mike, and chantee Rock!! Kevin was great too
    Darrius Pantophlet
    3 weeks ago
    It was a great place, got sober here and I’ve been happy ever since.
    Eli3kai
    3 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.
    8.79 / 10
    4.9
    (297 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
    Amazing place for recovery. The staff amd facilities are perfect!!!!
    John Bollman
    1 week ago
    I had the most AMAZING spiritual experience at All In. The staff was very welcoming and kind. The therapist were EXCELLENT! I learned a lot of tools that will help in my sober journey.
    Pamela Freeman
    1 week ago
    Amazing staff and overall treatment
    Byron Hamlett
    2 weeks ago
    4

    Avenues Recovery Center at Dublin

    Ad
    This is an ad and Avenues Recovery Center at Dublin 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
    Dublin, NH
    4.8
    (459 reviews)
    Check iconClaimed
    Individuals with the profound burden of addiction or mental health disorders can find solace at Avenues Recovery in Dublin, New Hampshire. This facility offers something truly valuable: a chance to breathe and step away from the struggle. The approach here goes beyond simply stopping the use of substances. It’s more of a supported journey back to
    View Website (603) 317-5600
    Avenues Recovery Center at Dublin has no reviews yet. Leave a review.
    7
    7
    The facilities at Phoenix House in Dublin, NH 1 The facilities at Phoenix House in Dublin, NH 2 The facilities at Phoenix House in Dublin, NH 3 The facilities at Phoenix House in Dublin, NH 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.
    8.77 / 10
    4.8
    (49 reviews)
    Check iconClaimed
    Rise in Malibu is a secluded drug and alcohol rehab program in Malibu, California. They deliver Joint Commission accredited detox, inpatient treatment, medication assisted treatment (MAT), and aftercare services to adult clients. Their campus boasts luxury amenities and a seaside view. Detoxification at Rise Malibu takes place in its luxury residen
    I didn’t walk in expecting much, but this place really surprised me. Detox was handled professionally and the staff genuinely cared. Residential was structured and real—not just talk. I learned a lot and I’m leaving in a much better place.
    Eviana Peterson
    2 days ago
    Rise really means a lot to me. I’ve been to the Malibu location twice, and both times the team made me feel genuinely cared for, supported, and understood during some of the hardest times in my life. Dr. Mark was awesome to work with, and I also want to thank Ron, Sherry, Nam, Tessa, Zack, and Ryan. You all made a bigger impact on me than you probably know. What makes Rise special is that it never just felt like treatment to me — it felt like family. I’ll always have love for the Malibu team and a lot of gratitude for everything they’ve done for me. Also give my compliments to the chefs
    noah barclay
    3 weeks ago
    I can’t say enough good things about Rise. They helped me when I was at my worst and it’s an extremely friendly and easy environment To rehabilitate. The people there are amazing, especially Ron And Allison, but I wouldn’t even limit to it to them. Everybody there is amazing. The rooms are comfortable and big. The food provided by professional chefs is amazing. Most of all the therapy were provided, saved my life!!
    Tyler Shupe
    4 weeks ago
    Rise in Malibu CA 90265
    6
    6
    The facilities at Rise in Malibu in Malibu, CA 1 The facilities at Rise in Malibu in Malibu, CA 2 The facilities at Rise in Malibu in Malibu, CA 3 The facilities at Rise in Malibu in Malibu, CA 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
    (329 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
    This place is not your ordinary rehab facility. They go beyond your standard rehabilitation and literally "Elevate" your life to a new level you didn't think was ever possible before. The program is structured in a way that you desire to learn more and give more into the healing process. If you take the necessary steps and put your heart into the program you will come out with a newfound appreciation for life and all that surrounds you. Please take this step, as my husband did, to embrace your life and get the healing you deserve and owe yourself.
    The Truth
    2 days ago
    I think this is a wonderful rehab, the facilities are beautiful, the food is amazing (I have never even had food this good at a restaurant), and above all they have really helped my husband. Obviously anyone that first goes to rehab isn’t happy with their situation but in just two short months he was a changed person. The work they have them do on themselves got him to finally see why drugs and alcohol are no way of life. He’s finally sober and actually enjoying it! This rehab helped him so much he actually chose to stay LONGER, and I am for once excited for what the future can bring.
    Christine Hanson
    1 week ago
    My experience here throughout my last few months has completely changed my whole outlook on life. Before I got here I thought my life was going towards the end. My body was failing and mental state was terrible. Every part of the program touches on every aspect of the addicts life. Now that I have finished the program and started living daily life with all of the gains I got throughout the program, failure isn’t an option. I know I can truly be happy sober now. I finally gained back the love and support from my life partner and best friend I always knew was still there. My mom also believes in me again which is so important to me. The possibilities and happiness are endless now. Thank you Elevate.
    Mike Wilcox
    1 week 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.
    8.74 / 10
    4.8
    (410 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
    My experience at All In Solutions was excellent. A special shout out to all the staff. especially the Techs who were flexible and met all my housing needs. Let me not forget to give a heartfelt shout out to the Administration Assistant, Erica. Her friendly smile and personality was something to look forward to every morning. A special thanks to Chris B, the wise Guru of AA's Big Book. An extreme special thank you to the Alumni Coordinator, Lauren. for everything she did for me.
    John Collins
    3 weeks ago
    To say All In Solutions of Cherry Hill, N.J. saved my life would be a GROSS UNDERSTATEMENT. As would be any attempt to express my gratitude to their staff with mere words. After 33 straight years of drug & alcohol abuse, I would have never imagined myself making it through even the 1st few days of a recovery program, much less become a man who swears by the life changing process that comes only by properly working a 12 step program. In fact, I'd have laughed at you if you tried to tell me that it could cure my life long ailment. God Bless the entire staff at A.I.S. for patiently taking taking their time to make sure that I actually not only got it right, but got it right this 1st time. It takes more than what is ethically & professionally required of you to have such a profound effect on someone like me. Much, much more. But each & every staff member regularly went well above & beyond their call of duty where my recovery is concerned. Thank you, ALL OF YOU & God Bless you. Please keep doing what you do.
    Don Gendron
    1 month ago
    I felt that I got exactly what I needed out of this program. All the staff were helpful and nice. I learned a lot more than I expected to and all my needs were met. I highly recommend this facility for anyone who is struggling and needs that extra help with their recovery.
    Jackson Wood
    1 month ago
    4

    Avenues Recovery Center: Drug & Alcohol Rehab – Eastern Shore

    Ad
    This is an ad and Avenues Recovery Center: Drug & Alcohol Rehab – Eastern Shore 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
    Cambridge, MD
    4.6
    (479 reviews)
    Check iconClaimed
    Avenues Recovery Center is a residential rehab in Cambridge, Maryland. Avenues actually has several locations, but this is their Eastern Shore location. It’s a pretty large 104 bed rehab with a wide variety of therapies and services within a luxury setting. This treatment center can start off your recovery journey with leading detox cared. After
    View Website (410) 346-1993
    Avenues Recovery Center: Drug & Alcohol Rehab – Eastern Shore has no reviews yet. Leave a review.
    The facilities at Avenues Recovery Center at Eastern Shore in Cambridge, MD 1 The facilities at Avenues Recovery Center at Eastern Shore in Cambridge, MD 2 The facilities at Avenues Recovery Center at Eastern Shore in Cambridge, MD 3 The facilities at Avenues Recovery Center at Eastern Shore in Cambridge, MD 4 The facilities at Avenues Recovery Center at Eastern Shore in Cambridge, MD 5
    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
    (260 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 staff extremely hospitable and helpful, Good food made for for lunch and dinner on weekend days nursing was very attentive and knowledgeable
    Ryan Abram
    2 weeks ago
    They are really awesome and nice
    demetria
    3 weeks ago
    The facility was clean, the staff is helpful and friendly. The facility offers groups all day where they have activities and open discussions. They have a real life chef during the week and take out on the weekends. The facility also has snacks, ice cream, multiple breakfast foods, and more. A therapist is appointed to assist that clients see at least once a week. This was my first time in treatment, but several other clients told me that this was one of the best treatment centers they had been too. I highly recommend.
    Hollie Hamilton
    3 weeks 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
    No results icon
    No results Found.
    The combination of filters you have selected has no results. Please refine your selections and try again.

    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.

    Get Help Today Phone icon 800-823-7153
    Question iconSponsored Helpline