Cigna for Alcohol Rehab

Cigna is a health insurance company serving approximately 180 million members worldwide and offering a wide range of insurance plans, including plans that cover substance abuse treatment and behavioral health services. In this guide, you’ll learn specifically what Cigna health insurance plans cover in terms of alcohol rehab services and what the potential costs might be to you.

Does Cigna Cover Addiction Treatment?

Yes, most Cigna insurance plans cover addiction treatment.

Additionally, most Cigna plans cover some or all of the below addiction treatment services:

  • Assessments and Screenings
  • Psychiatric Evaluation and Management
  • Detox
  • Inpatient Treatment
  • Residential Treatment
  • Intensive Outpatient Program (IOP)
  • Outpatient Treatment (OT)
  • Group Therapy
  • Individual Therapy
  • Medical Evaluation and Management
  • Wellness and Prevention Services

Does Cigna Cover Out-Of-Network Treatment?

Some plans might include out-of-network addiction treatment benefits; however, your out-of-pocket costs might still be higher than if you select an in-network provider. If you are unsure whether or not your alcohol rehab facility will be in-network or out-of-network with a Cigna health insurance plan, you should refer to their online provider directory.

How Many Rehab Stays Will Cigna Cover?

Cigna will cover however many rehab stays are needed as recommended by your medical providers. 

Inpatient Treatment Coverage with Cigna

The following inpatient rehab services might be covered, depending on your Cigna insurance plan:

  • Screenings and Assessments
  • Psychiatric Evaluations
  • Detoxification
  • Inpatient Rehab Stay
  • Individual Therapies
  • Medical Examination and Treatment
  • Aftercare Services

Outpatient Treatment Coverage with Cigna

The following outpatient rehab services might be covered, depending on your Cigna insurance plan: 

  • Partial Hospitalization (PHP)
  • Intensive Outpatient (IOP)
  • Group Therapy
  • Individual Therapy
  • Psychiatric Evaluation and Management
  • Assessments and Screenings

Which Types of Insurance Plans Are Available Through Cigna?

The exact types of plans available to you will depend on several factors, including your state of residence, employer (if your insurance is obtained through your employer) vs an individual plan purchased through the Affordable Care Act, and qualification for healthcare funded by the government such as Medicaid and Medicare.

Additionally, Cigna’s health insurance plans vary from Health Maintenance Organization (HMO) plans, Exclusive Provider Organization (EPO) plans, and Preferred Provider Organizations (PPO) plans. HMO plans typically have a limited number of providers within Cigna’s network, whereas EPO plans have a wider network of providers but with fewer service/treatment options, and PPO plans have a large network of facilities and healthcare providers to choose from with oftentimes lower out-of-pocket costs when the service is in-network. 

Cigna offers four types of insurance plans through the Healthcare.gov Marketplace  – Bronze, Silver, Gold, and Platinum. Bronze plans have the lowest premium amounts but receive the least amount of coverage when it comes to medical treatment, including addiction treatment (typically providing 10% coverage of costs for in-network facilities). Platinum plans have a higher premium amount but provide more coverage (typically 90% coverage for in-network facilities). 

Most of their insurance plans do have copays for services, which will vary depending on the specific plan you select. 

Their plans also have varying deductibles and coinsurance amounts for alcohol rehab facilities and addiction treatment services based on the plan you select. It’s important to review your insurance documents carefully before enrolling in a plan. 

Will Receiving Treatment at an Alcohol Rehab Facility Cause My Insurance Premium to Increase? 

No. In fact, it is illegal for any insurance provider within the U.S. to increase insurance premium rates due to receiving treatment at an alcohol rehab facility. 

Do I Need a Referral From My Primary Care Physician To Receive Substance Abuse Treatment? 

Most likely. Depending on your Cigna plan, you will probably need a referral from your PCP to receive coverage for services provided at an addiction treatment facility for both inpatient and outpatient services. 

Addiction Resources with Cigna

Cigna offers an online Member Guide to its members, which provides plan benefits, services, and other tips for how to get the most out of your plan – all in one easy-to-use format. Cigna also has a commitment to diversity, equity, and inclusion to meet the needs of all members. Additionally, they provide numerous articles online for gathering more information about substance abuse disorders. If you are unsure how to navigate your plan’s benefits or want assistance speaking to Cigna’s Benefits Department, call our rehab advisors at (877) 683-2684. We will take the call with you and help you every step of the way.

Affordable Care Act and Behavioral Health Treatment

If you’re worried about how you’re going to pay for addiction treatment coverage, know that the Affordable Care Act made it mandatory for insurance companies to provide coverage for alcohol addiction treatment and other mental health conditions. As a result, you might have improved access to behavioral health treatment. This includes Medicaid, Medicare, private coverage, military insurance, and state health insurance. 

For assistance selecting an alcohol rehab facility that meets your needs, contact us.