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.

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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.

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Addiction Centers That Accept Cigna

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    Absolute Awakenings New Jersey Drug & Alcohol Rehab

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    This is an ad and Absolute Awakenings New Jersey Drug & Alcohol Rehab 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
    Morris Plains, NJ
    4.7
    (371 reviews)
    Absolute Awakenings New Jersey Drug & Alcohol Rehab is an addiction treatment center in Morris Plains, New Jersey, offering outpatient programs for adults and young adults struggling with substance use and co-occurring mental health conditions. The center provides Partial Hospitalization (PHP), Intensive Outpatient (IOP) and standard Outpatient
    View Website (973) 784-8981
    Absolute Awakenings New Jersey Drug & Alcohol Rehab has no reviews yet. Leave a review.
    19
    19
    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
    (17 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.
    8 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
    8 months ago
    I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
    Kevin Crawford
    8 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
    2
    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
    (591 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 love this program it really makes difference and helped me get my life back on track! If you're serious about you recovery please 🙏 give it a try...
    william wall lll
    4 days ago
    The staff and clients are all very supportive. Definitely recommend!
    Kenzie Whiteman
    5 days ago
    This is the best location medical personnel and counselors highly recommend this medical facility
    Romulo Erazo
    1 week 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
    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.
    8.78 / 10
    4.9
    (352 reviews)
    Recovery Unplugged Nashville Drug & Alcohol Rehab is a private luxury addiction treatment center located just south of Nashville, in Brentwood, Tennessee. They offer several levels of care, including medication assisted treatment (MAT), residential treatment and behavioral telehealth. Adults with dual diagnoses and substance use disorders are welco
    Caring staff!
    Cindy Delaney
    4 weeks ago
    RU is an awesome facility with a caring team of therapists, administrators, techs, etc. Everyone truly cares about the well-being of each person that comes through the doors. The great thing is the caring doesn't stop once you leave, they continue to check on you and your progress. So thankful for such a wonderful facility.
    Lisa Patterson
    1 month ago
    The staff (Sydney) truly cares about the people they help and treats everyone with kindness, respect, and encouragement. The facility was welcoming, clean, and supportive, and the team goes above and beyond to make a difficult process easier. I would highly recommend Recovery Unplugged to anyone looking for help and a positive environment for recovery.
    DeeAnna Dillon
    1 month ago
    The facilities at Recovery Unplugged - Nashville in Brentwood, TN 2
    5
    5
    The facilities at Recovery Unplugged - Nashville in Brentwood, TN 1 The facilities at Recovery Unplugged - Nashville in Brentwood, TN 3 The facilities at Recovery Unplugged - Nashville in Brentwood, TN 4 The facilities at Recovery Unplugged - Nashville in Brentwood, TN 5

    Avenues Recovery Center at Bucks

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    Jamison, PA
    4.8
    (278 reviews)
    Check iconClaimed
    The Avenues Recovery Center at Bucks is located in Jamison, Pennsylvania. It is an outpatient drug and rehab center. They have partnered with luxurious sober living homes. TRICARE is accepted. While staying at the structured residential living facility you are able to attend outpatient services. You’ll receive a full gym membership and daily tran
    View Website (215) 792-7305
    Avenues Recovery Center at Bucks has no reviews yet. Leave a review.
    5
    5
    The facilities at Avenues Recovery Center at Philadelphia in Jamison, PA 1 The facilities at Avenues Recovery Center at Philadelphia in Jamison, PA 2 The facilities at Avenues Recovery Center at Philadelphia in Jamison, PA 3 The facilities at Avenues Recovery Center at Philadelphia in Jamison, 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.
    8.78 / 10
    4.9
    (337 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
    There are no words to express my gratitude that I have for All In Solutions and the clinical team during my experience. But I am going to try my hardest! First off, Nicole, my therapist understood me like no other therapist has before! She thought outside the “traditional” therapy models and found something that worked for me. And for that, I will be forever grateful. Thank you to Pastor Dan, Chris P, Matt, Alfonso, Henry, Shakira, Stacy and Patti (forgive me if I forgot anyone) for their group therapy classes! BHT’s Allison, Destiny, Sam, Anthony, Chase, Pat, Leah, and many more. Thank you for being great at your jobs! Making sure we are treated with empathy and kindness. Our case workers Mariah and James! Thank you both. And outreach/alumni services Marisa, Kermit and Troy, thank you for the continued support for my aftercare!! I highly recommend All In Solutions to my family and for anyone seeking help with addiction! God bless you all!!
    Robert Gonzales
    3 days ago
    Did a great job.
    Nelson Stevenson
    4 days ago
    If You wanna get back to living a good life free of drugs and alcohol I would recommend All In highly. Great group of Techs , Facilitators , Therapist and Spiritual Guidance
    Walter Pines
    1 week ago
    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.
    8.77 / 10
    4.9
    (122 reviews)
    If you’re looking for a Christian-based men’s drug rehab center, S2L Recovery in Woodbury, Tennessee, might be the place for you or your loved one. Located at the top of Short Mountain, and overlooking the green hills of Middle Tennessee, this residential and detox clinic boasts a one-to-one staff/patient ratio so there’ll always be someone t
    The place was amazing. It has a great Christ based curriculum. Coaches and counselors were awesome . Would highly recommend this program for anyone who is struggling with addiction.
    Jared Cravens
    1 month ago
    They treat you like a princess. I went in there in the process of divorce down to skin and bones, and very depressed. Jesus restored me and they were there to help me get back to him! I’ll forever be grateful ! I love all the ladies I connected with there. It was not easy to make the choice but it was worth the pain I processed in my treatment. It’s more than a substance abuse Place it’s a deep inner healing place!
    Vella Flores
    2 months ago
    I attended this program after many failed attempts at other secular AA NA rehabs. S2L showed me who God is, His love, and who God says I am. It was through the programs staff and the many people that surround them that I got to know Jesus Christ. John 8:36 reads “So if the Son sets you free, you are truly free”.. I wasn’t just looking for sobriety, I was looking for freedom in Christ and S2L showed me that. Today I am a new creation 2 Corinthians 5:17. Anybody who is struggling with the weight of this world or knows someone who is (whatever it may be) I highly encourage this program.
    Jeremy Witty
    2 months ago
    S2L Recovery TN 37190
    6
    6
    The facilities at S2L Recovery in Woodbury, TN 1 The facilities at S2L Recovery in Woodbury, TN 2 The facilities at S2L Recovery in Woodbury, TN 3 The facilities at S2L Recovery in Woodbury, TN 4
    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.
    8.76 / 10
    4.8
    (327 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 months 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
    2 months 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
    2 months 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

    Sandstone Care Boulder

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    Broomfield, CO
    3.9
    (35 reviews)
    Check iconClaimed
    Sandstone Care Boulder is an integrative drug and alcohol rehab for adolescents and young adults. Located in Broomfield, Colorado, the facility provides partial hospitalization (PHP) and intensive outpatient (IOP) programming, including dedicated services for clients stepping down from inpatient care and persons with co-occurring addiction and ment
    View Website (888) 491-9937
    Sandstone Care Boulder has no reviews yet. Leave a review.
    The facilities at Sandstone Care Boulder in Broomfield, CO 5
    5
    5
    The facilities at Sandstone Care Boulder in Broomfield, CO 1 The facilities at Sandstone Care Boulder in Broomfield, CO 2 The facilities at Sandstone Care Boulder in Broomfield, CO 3 The facilities at Sandstone Care Boulder in Broomfield, CO 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.
    8.75 / 10
    4.8
    (444 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 here was amazing I loved it. Recommend for anyone who has a drug habit or alcohol problem!!
    Sara Reuer
    4 days ago
    This was a very good place everyone is very nice and respectful the therapist ms. Karen is top tier she gets it done to the max her and the counselor ms.Kelly are a dynamic duo they helped me out tremendously.
    Johntae Joyner
    6 days ago
    All In Solutions Cherry Hill literally saved my life. I don’t know where I would be if not for them. First, their program is A1 in my book. I was so broken when I made that call. From the first call until I actually got to the treatment center was God send. They made me feel like a movie star. My therapist Mrs Karen Caston was absolutely the BEST!!! She knows her stuff, I was still in denial with some things that was pointed out to me. She cried with me and held my hand through the entire process I love her and so do all of her other clients. The entire team at All In are blessings from medical management to all facilitators and techs. I met a lot of amazing people at this place including other clients. If you have a substance abuse problem I totally recommend All In Solutions Cherry Hill NJ! They will get you back on the right path for your life. You just have to be willing to take that step. I love all of you guys! Thank you for my life!!!!
    Brandi Carter
    1 week ago
    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.
    8.74 / 10
    4.8
    (312 reviews)
    The Steps To Recovery addiction treatment center is situated in Levittown, Pennsylvania. At this drug rehab center, patients can expect to engage in a unique treatment approach that focuses on helping individuals recover through authenticity, intimacy, community connection, and transparency. Steps to Recovery offers a serene and private environ
    Celebrating my milestone today and couldn’t have done it without STR Levittown and Silver Pines, eternally grateful 🫶🙏
    Michael Oberholtzer
    3 weeks ago
    This place saved my life. At my lowest of lows I came here and they gave me the hope I needed to go out and live a successful life. Erin truly made my day everytime I’d see her she would always give me some kind of inspiration to keep going
    Tommy Hayes
    2 months ago
    My time in the PHP program at STR was truly life-changing. I came in struggling with trauma and uncertainty, and the staff created a safe, supportive space where I could begin to heal and grow. A special thank you to my case manager Katie for helping me navigate legal issues and plan my next steps when I felt overwhelmed. I’m also deeply grateful to my therapists Matt, Ashley, and Blake, as well as Lauren, the intern, who all supported me through the hardest parts of recovery. Leigh Anne, our house lead behavioral health tech, kept communication open and made sure everyone felt heard. Monique, the nurse practitioner, was incredibly compassionate and helped me take my first steps toward accepting my need to change pronouns and pursue gender-affirming care. I’m leaving this program stronger, more self-aware, and genuinely thankful for the care I received. 💙
    Taylor Budry
    2 months ago
    Steps to Recovery PA 19056
    6
    6
    The facilities at Steps to Recovery in Levittown, PA 1 The facilities at Steps to Recovery in Levittown, PA 2 The facilities at Steps to Recovery in Levittown, PA 3 The facilities at Steps to Recovery in Levittown, PA 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
    (52 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
    There are very few people in life who truly believe in you when you’ve completely lost belief in yourself. For me, one of those people has always been Ron and the entire team at Rise in Malibu. I’ve known Ron for a while , and through every chapter, he has remained someone who genuinely cares, shows up, and sees the person beneath the struggle. That kind of authenticity is rare. His leadership and heart are reflected throughout the entire program and staff. Dr. Mark, Sheri, and everyone at Rise create an environment that is compassionate, professional, supportive, and deeply human. They don’t treat people like problems to fix they treat them like people worth fighting for. That distinction matters more than words can explain. What makes Rise special is that it never felt transactional to me. It felt personal. Real care, real connection, real support, and people who continue to stay connected long after treatment ends. That says everything. And for me personally, recovery wasn’t something that necessarily “landed” the very first time. Sometimes the spiritual experience happens when it’s truly ready to happen. What I can say today, sitting here over 16 months sober, is that Rise helped give me the tools, foundation, support, and perspective that allowed that change to finally take root in a real way. When the moment came, I knew how to move forward because of what I had learned there. That’s something I’ll carry with me for the rest of my life! I can honestly say I would recommend Rise in Malibu to anyone looking for genuine help, guidance, and people who truly care about recovery and human beings as a whole. Five stars isn’t enough for the impact they’ve had on my life. Thank you, Ron, and thank you to the entire Rise family!
    B P
    3 weeks ago
    Going to Rise was the best decision of my life. Allison was a godsend to me at a dark point in my life and was able to get me into Rise’s treatment program with short notice. The team there is unparalleled. I wish I could name everyone that were members of my treatment team at Rise, but a few shoutouts to Nam for driving my sad sack self to Rise, baking amazing bread, and being an amazing support from Day 1, Shari & Zach from nursing for the care, fun, pep talks, and compassion, Dr Mark for his wisdom and pragmatic approach that I really resonated with, and numerous others (the chefs are next-level good, Tessa, Luke, Saber, Destiny, Cesar, Cat, Michael, Terry, Adrian, etc). Outside of the fantastic staff, I’ll add that the house is gorgeous, the groups are varied and enriching, there’s a good balance between free time & groups, the rooms are comfortable and spacious, and they do a great job of ensuring that you have access to outside appointments - for example, I was able to go to Passover services while at Rise without having to go through a lot of hoops/bureaucracy. The amenities are fun and obviously appreciated, but the heart of this place is really why I would recommend it to a loved one or friend in a heartbeat. Thank you so much, Rise team!!!
    Hannah Lerner
    2 months ago
    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 months 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

    Banyan Castle Rock

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    Castle Rock, CO
    4.0
    (90 reviews)
    Check iconClaimed
    An important part of the healing journey out of addiction can be finding new ways to experience joy and fulfillment in your life so your sobriety doesn’t leave a hole that you used to fill with drugs and alcohol. That’s the benefit of Banyan Castle Rock in Castle Rock, Colorado. An essential part of the recovery journey is discovering new ways
    View Website (855) 913-1797
    Banyan Castle Rock has no reviews yet. Leave a review.
    10
    10
    Centennial, CO
    4.9
    (176 reviews)
    Footprints To Recovery – Colorado is a drug and alcohol rehab located in Centennial, Colorado. They provide outpatient addiction treatment. Addiction-related services provided at Footprints to Recovery include an intensive outpatient program, a partial hospitalization program, and a basic outpatient addiction treatment program. Partial Hospitali
    The staff truly cares about their patients and provided care that met my needs. The whole program exceeded my expectations and I can't thank everyone enough for the impact they made on my life and mental health. Deciding to seek treatment was not an easy thing for me but I am so glad I chose Footprints to Recovery. It wasn't all just sitting around doing therapy all day and we got the chance to do yoga, art and music therapy, and also go outdoors with Adventure Recovery. If you are considering treatment I highly encourage you to invest in yourself and give Footprints a call!
    Collin Cook
    2 months ago
    Footprints was an absolutely stellar facility to go to after completing inpatient addiction treatment. The staff were all very patient and understanding during my biggest ups and downs during treatment, and I never felt any judgement even at my lowest points. Recovery is such a serious rock to carry but the groups and providers helped me collect the tools necessary to be able to tackle this journey on my own. The nursing team was incredibly helpful in finding me medications that are actually helping my mental health and addiction cravings. I've had more success in the three months I got to share with Footprints than the years I've worked with my primary care and therapist. Andrew with case management is hilarious and hugely helpful with resources and managing work and life alongside treatment. Anika is an incredible therapist and I am sad to leave her care, but know she will continue to do amazing things for other clients. If you are struggling with any substance abuse, I highly recommend seeking help with Footprints. They will absolutely get you back on your feet.
    Hailee Burdette
    3 months ago
    Was able to get the help I needed. Brought my family back together and got the tools necessary to stay sober. Mental health has been restored. The staff and everyone were very friendly and very relatable.
    Dylan Reeves
    3 months ago
    The facilities at Footprints To Recovery - Colorado in Centennial, CO 1
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    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.

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