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Cigna Insurance Coverage for Alcohol Addiction Rehab

Cigna Alcohol Rehab Coverage Alcohol is so prevalent in the United States it contributes to over 88,000 deaths a year to people between 15 and 34, making it one of the leading causes of death in the country. For people who have developed an alcohol problem, reaching out for help has become more accepted and is easier than ever. Through the help of numerous treatment facilities and insurance providers, recovery from alcohol addiction is possible.

Does Cigna Insurance Cover Alcohol Addiction Rehab?

Since 1982, Cigna has expanded its network services of healthcare benefits to approximately 80 million individuals worldwide, including people dealing with alcohol abuse. This expansion of benefits has helped many alcoholics overcome their addiction and start the recovery process – and has even helped many others break the cycle of addiction altogether. Cigna offers different types of treatment benefits for those who want to treat their alcohol addiction, and may be able to cover your unique treatment. The best way of utilizing Cigna insurance for alcohol rehab is by using ‘in-network’ facilities. Facilities that are in Cigna's network have partnerships with them, meaning that much of your treatment could be covered by your benefits plan.

What Services Does Cigna Cover for Alcohol Rehab?

Since the effects of alcohol addiction can vary from person to person, a variety of treatments are available depending on your unique needs. No matter if you suffer from a mild addiction or need more rigorous treatment, Cigna offers multiple types of treatment programs that can be tailored to you. For those who have a severe alcohol addiction, an inpatient treatment may be the better program. Cigna alcohol insurance coverage may include:
  • Acute Detoxification
  • Residential Inpatient Treatment
  • Outpatient Treatment
  • Partial Hospitalization
  • Day/Night Treatment
For other people with a milder addiction and don’t need an inpatient treatment, Cigna offers many outpatient options:
  • Detoxification Management
  • Individual, Family and Group Therapy Session
  • Intensive Outpatient Treatment
  • Anti-Craving Medication Management 

Does Cigna cover Residential or Outpatient Alcohol Rehab Treatment?

Under the Cigna health insurance policy for alcohol rehab, a variety of treatment options for mental health and substance abuse are covered which include both inpatient and outpatient programs. When entering an alcohol addiction program, you are required to take an evaluation in order to determine what type of treatment you might need. Your Cigna agent will then determine if the recommended treatment you need is available and is covered under your insurance benefits.

How long will Cigna Insurance Cover My Alcohol Addiction Treatment?

There is a wide array of options for your Cigna health insurance policy for alcohol rehab. However, the length of treatment that Cigna covers may all depend on the insurance plan that you or your employer have selected. In most cases, Cigna may cover alcohol treatment rehab from 30 days to 90 days depending on the severity of addiction and on how the treatment is going. However, make sure you speak with your Cigna agent about the length of your coverage.

Does Cigna Pay for Private or Luxury Alcohol Rehab?

The best way of utilizing the maximum level of benefits Cigna covers is through getting treatment at an 'in-network' treatment facility that has a partnership with Cigna. Even luxury and private rehab is covered by Cigna insurance if the type of treatment is medically necessary according to the physician’s diagnosis and recommendation. Other treatment services are also covered such as detox, inpatient and outpatient treatment, psychiatric care, and follow-up treatment services. It is important to completely understand the coverage of your Cigna insurance for alcohol rehab and have a complete diagnosis from a licensed physician in order to determine if private or luxury treatment is necessary and can be covered by Cigna.

How Much Does Cigna Insurance Cover for Alcohol Rehab Costs?

Cigna covers treatment rehabilitation from alcoholism only when an individual has met his or her yearly deductible. The total amount of an individual’s yearly deductible is based on each specific insurance plan. If you want to keep a low out-of-pocket cost for alcohol treatment, there are few helpful things you can do. First, reach out to a physician and get a complete assessment about your condition, then contact a treatment facility that is under Cigna’s network. Make sure to stay on the prescribed length of treatment to avoid paying additional treatment expenses and be consistent on your commitment to recovery.

What if I Don’t Have Insurance for Alcohol Addiction Rehab?

Lack of financial capability and insurance coverage shouldn't stop you from seeking treatment for alcohol addiction. There may be some people who can help you with your treatment cost like your employer, a friend, or family members.  A financing company may be able to help cover your full treatment cost, then you can repay it at your own pace afterwards. Other financial resources that you can use to cover your treatment cost may include employee assistance program (EAP), individual retirement accounts (IRA), and personal assets.

Verifying Cigna Insurance Coverage for Alcohol Rehab

If you have Cigna insurance and you want to verify your eligibility and insurance coverage information, you may personally do the process using Cigna’s eServices section which is available on its secure website. For Cigna plan holders who want a much faster, reliable, accurate, and hassle-free method of verifying Cigna insurance coverage, they may contact us at (877) 257-7997  for immediate help. 

Call Us Anytime Today!

Take charge in making the right decision to end you or your loved one’s alcohol addiction.

Take charge in making the right decision to end you or your loved one’s alcohol addiction. If you want to know more information regarding Cigna insurance and healthcare coverage for alcohol rehabilitation, call us at 877-257-7997 to get free assistance in understanding your insurance plan and policy. With the help of Cigna's insurance benefits, several rehab facilities nationwide can give people the help they need to start recovery. At Cigna, we can help you find the most reliable and trusted rehab facility that can provide the most up-to-date, effective, and appropriate treatment program for you or your loved one.

Cigna Alcohol and Drug Addiction Rehab Coverage

Cigna Alcohol and Drug Rehab Coverage Started in 1982 through the combination of two insurance companies in America – Connecticut General Life Insurance Company (CG) and the Insurance Company of North America (INA) – Cigna has now grown as one of the major providers of healthcare insurance benefits in the country, serving millions of Americans for over 200 years. Cigna offers a wide variety of insurance coverage options, including Medicare and Medicaid insurance coverage, to individuals all across the country. For people who are suffering from alcohol or drug addiction, treatment centers all over the country are available to help you through recovery, and Cigna offers coverage that can help cover the costs.

Does Cigna Cover Alcohol and Drug Treatment?

Under behavioral health services, Cigna insurance does cover rehabilitation for substance addiction and a number of mental health conditions. In an effort to provide policy holders the addiction treatment benefits they need, Cigna drug and alcohol rehab coverage may include detox, counseling, drug rehabilitation, alcohol rehabilitation, and therapy. However, this will depend on your physician’s diagnosis and what level of addiction treatment is medically needed. Cigna insurance offers the highest level of coverage to members who choose an ‘in-network’ plan. However, Cigna will do its best to cover the cost of treatment for ‘out-of-network’ treatment facilities, where patients may have to pay more out-of-pocket expenses. Cigna health insurance benefits are available in the states of Arizona, Carolina, Colorado, Connecticut, Florida, Georgia, North California, South Carolina, Tennessee, and Texas, where most of these states require an insurance provider for their residents.

Does Cigna Cover Inpatient and Outpatient Alcohol and Drug Treatment?

Cigna drug treatment covered programs have wide variety of options for mental health and substance addiction through its behavioral health services. Through this service, Cigna members can determine whether outpatient or inpatient type of treatment setting is needed for their condition.
  • Inpatient care is the most effective and intensive type of program where patients are required to stay overnight. Facilities require authorization for inpatient treatment to ensure full care insurance benefit coverage ranging from 1 to 6 weeks, 30 days, or 90 days, depending on how the recovery is going.
  • Outpatient care is the type of treatment program where patients are treated during the day while the patient goes about their daily routine. It usually happens in health clinics, local health department offices, hospital clinics, or a counselor’s office, scheduled around the patient's work or school schedule. 

What Alcohol and Drug Rehab Services will Cigna Cover?

Several treatment centers located across the country are available to accept Cigna members who want to seek addiction treatment. Under its behavioral program, the Cigna drug treatment program and its services for both adolescents and adults may include:
  • Outpatient Treatment
  • Individual, Family, and Group Therapy
  • Intensive Outpatient Treatment
  • Anti-craving Medication
  • Detoxification Management
  • Inpatient Treatment
  • Partial Hospitalization
  • Acute Inpatient Detoxification
Depending on the patient's insurance plan, other additional benefits for international Cigna members are available, complementing the insurance coverage of the member’s policy. Some of the benefits may include:
  • International Outpatient
  • International Medicine Evacuation
  • International Health and Well-being 

How Much Does Cigna Cover for Alcohol and Drug Treatment?

The cost of treatment for Cigna members may start from no-out-of-pocket expenses to very reasonable and affordable costs. The exact amount of Cigna insurance coverage for drug rehabilitation and services may vary depending on the patient's insurance plan. Fortunately, there are different ranges of cost share and deductibles available to help Cigna members choose a plan that can fit their needs for daily treatment. For teenagers, the costs of addiction treatment like detox, inpatient admission, and follow-up care can become expensive in many cases, because teenagers who suffer from substance addiction are sometimes diagnosed with co-occurring mental issues. Treating addiction as well as a diagnosed mental issue can mean additional treatment may be needed.

How long does Cigna will cover alcohol and drug treatment?

Generally, Cigna drug and alcohol rehab coverage is different from other kinds of medical benefits. Depending on authorization, Cigna insurance can cover full care inpatient treatment ranging from 1 week, 30 days, or 90 days based on medical necessity and how the treatment is going. Make sure to call one of our agents anytime to find out how long Cigna can cover your inpatient treatment.

How Can I Get Cigna Insurance for Alcohol and Drug Treatment?

Whether you are employed, self-employed, or not employed and you are looking for a healthcare insurance plan, Cigna can help you guide towards obtaining the insurance plan that works the best for you. On Cigna’s website, you can view and compare plans available in your state. It is understandable that comparing plans and applying for insurance can be a stressful process, so our insurance coverage representatives can do the process for you. Our knowledgeable representatives are available 24/7 at (877) 257-7997 .

Verifying Cigna Insurance Coverage for Alcohol and Drug Treatment

Contact Recovery Experts Cigna plan holders who want to verify their insurance coverage for alcohol and drug treatment may do so using Cigna’s electronic services tools, but for members who want a much faster and hassle-free way of verifying membership and eligibility for drug rehab, they can call us at 877-257-7997  and we can personally verify your insurance coverage for you so you can get started on your treatment right away.

We’re Here to Help. Call Us Today!

As you plan to take your journey towards recovery, you need to know what your insurance provider covers in the treatment services you will take. Counseling professionals can help you determine the severity of your addiction and can recommend the right treatment program for your needs. If you want to take control of your addiction, make right now and call us today at (877) 257-7997 . If you think you can’t resist the urges and temptations of drinking and using, entering inpatient treatment may be your best option. We can help you find the most trusted and reliable treatment center that can meet your needs. Call us at 877-257-7997  anytime for immediate help.

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