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