Navigating addiction recovery is challenging, but finding the right treatment shouldn’t be. One of the biggest obstacles people face when seeking treatment is the cost. While rehab can be expensive, it is often covered by insurance.
If you have Cigna health insurance, you might wonder how it can help cover the costs of rehab. Alamo Behavioral Health is a proud in-network substance abuse treatment provider with Cigna, and our admissions counselors can help you understand the details of your coverage.
In this article, we’ll explore what drug and alcohol rehab services Cigna covers in Texas and how to understand your coverage. For a confidential, risk-free assessment and insurance verification, please contact us today!
Does Cigna Cover Addiction Treatment?
Yes, Cigna health insurance typically covers addiction treatment as part of its behavioral health benefits. Coverage may include services like detox, inpatient rehab, outpatient programs, and therapy sessions. However, the extent of coverage depends on your specific plan and the type of treatment you need.
Cigna’s commitment to mental health and addiction care ensures that members have access to a network of quality providers. To better understand your benefits, review your policy or contact Cigna directly. Additionally, rehab centers like Alamo Behavioral Health have insurance specialists available who can verify your coverage for you.
Cigna Plan Types and Coverage
Cigna offers several plan types, and the level of addiction treatment coverage varies depending on the plan:
- HMO (Health Maintenance Organization): Requires you to choose in-network providers for coverage. These plans often have lower premiums but less flexibility in provider choice.
- PPO (Preferred Provider Organization): Offers more flexibility to see out-of-network providers but typically comes with higher premiums and out-of-pocket costs.
- EPO (Exclusive Provider Organization): Similar to HMO plans but without requiring a primary care physician referral to see specialists.
- High-Deductible Health Plans (HDHPs): Lower monthly premiums but higher deductibles. These plans can be paired with Health Savings Accounts (HSAs) to offset costs.
HMO and PPO plans have different tiers of coverage. These are:
- Bronze: Covers 60% of your medical expenses while you pay the remaining 40%. This plan has the lowest monthly premiums but higher out-of-pocket costs.
- Silver: Covers 70% of your expenses, leaving you to pay 30%. The monthly premium is moderate compared to other plans.
- Gold: Covers 80%, and you pay 20%. This plan comes with higher premiums but lower out-of-pocket costs.
- Platinum: Covers 90% of your expenses, with just 10% left for you to pay. It has the highest monthly premium but the lowest out-of-pocket costs.
What Substance Abuse Treatment Services Will Cigna Cover?
Cigna health insurance plans provide coverage for all levels of care, though coverage may depend on your plan details and other factors. Commonly covered services include:
- Medical Detox: Helps manage withdrawal symptoms under medical supervision.
- Inpatient Rehab: Residential or inpatient treatment programs providing 24/7 care for substance use disorders and mental health conditions.
- Outpatient Programs: Flexible treatment options that allow you to attend therapy sessions while maintaining daily responsibilities. These include partial hospitalization (PHP), intensive outpatient program (IOP), and outpatient program (OP).
- Therapy and Counseling: Individual, group, and family therapy sessions to address the root causes of addiction.
- Medication-Assisted Treatment (MAT): Combines medications with counseling and behavioral therapies to treat substance use disorders.
Insurance does not pay for support groups or sober living.
Under Cigna, coverage may also extend to co-occurring mental health disorders, ensuring a holistic approach to recovery. It’s important to confirm which services are covered under your specific Cigna plan and whether prior authorization is required to obtain coverage. Many plans will require prior authorization when considering coverage for addiction treatment.
How to Find Out What Your Cigna Health Insurance Plan Will Cover
Navigating insurance coverage can feel overwhelming, but these steps can help simplify the process. Here’s what you should do to find out your drug and alcohol rehab coverage with Cigna.
- Contact Cigna: Reach out to Cigna’s customer service or log in to your online account to review your benefits. Look for information on behavioral health or substance use treatment.
- Verify Coverage With a Rehab Center: Many treatment centers will contact your insurance provider on your behalf to confirm your benefits and explain your options.
- Ask Specific Questions: Inquire about coverage limits, in-network providers, out-of-pocket costs, and any necessary pre-approvals.
- Check Your Summary of Benefits: Review your plan’s documentation for details about what’s included under addiction treatment benefits.
Find Drug & Alcohol Rehab in Texas With Cigna Health Insurance
If you have Cigna and want to know if your insurance covers drug and alcohol rehab in Texas, you’ve come to the right place. At Alamo Behavioral Health, we accept Cigna and have admissions counselors available now who can verify your insurance and help you determine how to pay for rehab.
To learn more about our Texas addiction treatment programs or to get started with a confidential, risk-free assessment, please contact us today!
