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Cigna Insurance for Addiction Treatment

Cigna's Behavioral Health division supports those who are looking to recover from a drug or alcohol addiction. Depending on your individual Cigna insurance plan, your inpatient and outpatient rehab coverage will vary.

Cigna for Addiction TreatmentCigna Insurance for Addiction Treatment

A global health organization, Cigna has more than 86 million customer relationships around the world. Along with their mission to provide affordable healthcare for basic needs, the company helps its members with addiction treatment.  Although coverage varies depending on your individual plan, recovery services may consist of:

Although coverage varies depending on your individual plan, recovery services may consist of:

  • Drug rehabilitation
  • Alcohol rehabilitation
  • Detoxification
  • Counseling for addiction treatment

Cigna Addiction Resources

To better support those who face drug or alcohol addiction, Cigna started a Behavioral Health division. In addition to providing articles, tools and podcasts for individuals and family members, the division now includes an education series.

Cigna’s free education series provides information on the physical, mental and emotional signs of addiction. Each lesson offers advice for those in recovery, as well as their family members.

While these seminars provide information on addiction and substance abuse, they are not intended to replace the care of a doctor. You should always consult with a medical professional about the appropriate treatment for your condition.

Cigna Policy Coverage for Substance Abuse

Depending on your Cigna plan, your benefits and coverage will vary. For instance, Cigna’s lowest plan – bronze – offers lower premiums, but individuals may face higher deductibles and out-of-pocket expenses. But for those with gold or platinum plans, you receive more comprehensive coverage with lower deductibles.

In regards to substance abuse treatment, the services insurance covers and the expenses you will be responsible for depend greatly on the type of plan and the state you reside in. Contact your health insurance provider to review your policy and determine the types of treatment services that are covered by your plan.

Do Treatment Centers Need to be In-Network?

While not all Cigna plans require your treatment center to be in-network, it’s important to note that using an out-of-network provider usually increases your out-of-pocket expenses.
Some plans may not cover any out-of-network services, leaving you with the entire bill. However, other plans will cover certain portions after a deductible or coinsurance has been met.

Many out-of-network treatment options require a pre-certification. This involves Cigna reviewing the request against nationally recognized guidelines.

In cases that require a pre-certification, Cigna will determine what services are covered based on your plan. Refer to your policy or call the number on the back of your insurance card to find out what treatment options are available to you.

Cigna Coverage for Inpatient Treatment

Inpatient substance abuse treatment programs that Cigna may cover include:

  • Acute Inpatient Substance and Drug Detoxification
  • Inpatient Treatment for Substance and Drug Disorders
  • Partial Hospitalization for Substance and Drug Disorders

Inpatient Rehab Service and Costs

Insurance coverage and out-of-pocket expenses may fluctuate depending on your specific plan and where you’re located. Here are several estimates for inpatient rehab costs broke down by plans.

Inpatient Rehab Coverage Estimates
Bronze plansTypically have 0 percent coinsurance for in-network providers which means Cigna will pick up the costs after you pay your plan’s deductible in full. For out-of-network services, some plans will help cover costs while others may not.
Silver plansIn-network programs coinsurance usually falls between 30 to 50 percent after the deductible is met. Out-of-network services may or not be covered, depending on the state you reside in.
Gold plansCoinsurance for in-network plans can range from 20 to 50 percent after the deductible. Similar to the other plans, out-of-network providers may or may not be covered depending on the state in which the policy was issued.
Platinum plans10 to 30 percent coinsurance after meeting the plan’s deductible. Some plans may cover out-of-network programs at a higher coinsurance percentage.

Cigna Coverage for Outpatient Treatment

Outpatient rehab services that are usually covered by your Cigna plan include:

  • Individual, Family and Group Therapy 
  • Intensive Outpatient Treatment
  • Substance and Drug Detoxification Medication Management
  • Anti-Craving Medication Management
Coverage Estimates for Outpatient Rehab
Bronze plansCoinsurance based on the state of residence and may fall between zero to 50 percent. Out-of-network may or may not be covered in these plans.
Silver plansSeveral outpatient services that are in-network may have a coinsurance percentage, while others have a copay per visit. Out-of-network providers may or may not be covered.
Gold plansDepending on service provided, there may be a small coinsurance percentage or copay required per visit for in-network. Out-of-network services may or may not be covered.
Platinum plansMinimal coinsurance or copay requirements for in-network providers. Some policies may have out-of-network coverage, but coinsurance rates are generally higher for these services.

How Can I Pay the Costs Not Covered By My Cigna Plan?

It’s important not to let the costs of treatment deter you from getting the help you deserve. We can assist with finding high-quality treatment options and determining any costs you may be required to cover.

There’s a wide range of alternative methods to help with addiction treatment expenses outside of what your insurance will cover.

Our specialists can determine whether you’re covered and help you find the right treatment for you. Call us now.

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