Cigna Alcohol And Drug Rehab Insurance Coverage

Cigna healthcare plans cover alcohol and drug treatment services. Find out which drug rehab services are covered by Cigna and how to find a rehab facility that accepts your Cigna plan.

Cigna Insurance Coverage For Addiction Treatment

Cigna insurance company offers health care plans that may cover a number of alcohol and drug rehab services. Insurance benefits vary by plan but could include inpatient drug rehab, outpatient treatment, and more.

Learn about Cigna coverage for addiction treatment. You can find out what may be covered by your Cigna plan and how to find a rehab center that accepts Cigna.

Cigna Health Insurance For Massachusetts Drug Rehab

Cigna policyholders can use their insurance policy to pay for addiction treatment. The amount of coverage and which drug and alcohol rehab services are covered will depend on your plan.

Cigna health insurance plans include:

  • preferred provider organization (PPO) plans
  • health maintenance organization (HMO) plans
  • group insurance plans
  • point-of-service plans
  • employer insurance plans

Cigna offers Medicare and Medicaid plans in select states, as well as private health plans.

Insurance carriers like Cigna typically pay for a percentage of rehab costs. This percent ranges from 50 percent to 80 percent of addiction treatment costs. Insurance coverage usually isn’t available for treatments not listed in your insurance benefits.

Does Massachusetts Cigna Cover Drug Rehab (Addiction Treatment)?

To use your Massachusetts Cigna insurance plan for addiction treatment, you may have to meet some requirements. These could include paying your deductible, coinsurance costs, and finding an in-network treatment provider.

In-Network Cigna Coverage For Alcohol And Drug Rehab

With some Cigna insurance policies, you may have to choose from network providers. PPO and HMO plans typically offer a list of rehab facilities for those in need of substance abuse treatment.

This does not mean all Cigna insurance plans won’t cover out-of-network care. However, if you choose an alcohol or drug rehab center that’s not listed in the network, you may face reduced coverage.

Some Massachusetts drug rehab programs can be costly. Reduced coverage can mean higher copayments for you. For this reason, it can be best to stick with your listed network of health care providers.

Coinsurance And Other Out-Of-Pocket Costs

After Cigna coverage, you may have coinsurance or other out-of-pocket treatment costs. Some substance abuse treatment programs offer services not covered by Cigna, for example. You may also have to pay your deductible before coverage kicks in.

When a Cigna deductible hasn’t been met, you may pay for all treatment expenses until the deductible is covered.

If you have high copayments, this shouldn’t stop you from getting the care you need. Many rehab centers offer scholarships, payment plans, and other private pay options to help families pay for addiction treatment.

Massachusetts Cigna Drug Rehab Centers

More than 15 million people in the United States access health services with their Cigna plan. This means many substance abuse treatment facilities accept Cigna insurance.

There are a range of treatment programs for drug and alcohol abuse. Some of these include inpatient treatment, outpatient treatment, and detox programs.

Before choosing a Massachusetts rehab center, you may want to look over your Cigna insurance policy to make sure it covers these common rehab programs.

Does Cigna of Massachusetts Cover Inpatient Alcohol And Drug Treatment?

Inpatient treatment rehab coverage is usually available through Massachusetts Cigna insurance policies. Coverage for inpatient addiction treatment programs will vary by plan.

For Cigna policyholders, full or partial residential treatment costs may be covered:

  • medical detox
  • therapy sessions
  • counseling
  • relapse prevention planning
  • mental health treatment
  • family therapy

Some inpatient rehab centers offer dual diagnosis treatment as well, for those struggling with mental illness and substance use disorders.

Is Detox Covered By Cigna Insurance Policies?

Detoxification is often the first step in inpatient rehab or other addiction treatment programs. Cigna health insurance may cover medical detox and other detox programs.

Cigna coverage for detox may ask that patients have a medical need for it. Drug and alcohol treatment programs that offer detox may use medication to ease withdrawal symptoms.

Does Cigna Health Insurance Of Massachusetts Cover Outpatient Treatment?

Outpatient drug and alcohol treatment programs are often covered by Cigna insurance benefits. Outpatient programs cover a range of intensity levels and program formats.

Some of the most common outpatient treatment options for addiction and include:

  • partial hospitalization programs (PHP)
  • intensive outpatient programs (IOP)
  • group and one-on-one therapy sessions
  • aftercare

Finding Drug Rehabs That Take Massachusetts Cigna Insurance

If you have Cigna Medicaid, Medicare, or another Cigna plan and need addiction treatment, find a rehab center that takes your Cigna insurance when you contact us today.

Spring Hill Recovery in Massachusetts works with a number of insurance providers, including Cigna. When you call us, we can verify your insurance coverage, find a rehab program that works for you, and more.

Learn how we can help you or a loved one find a treatment facility that works for you by contacting Spring Hill Recovery today.

Written by Spring Hill Editorial Team

Published on: August 3, 2020

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This page does not provide medical advice.