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Does Cigna Cover Addiction Treatment?

How to Find Addiction Rehab Covered by Cigna Insurance

Learn more about how Cigna insurance can help cover most of the costs associated with addiction treatment at Indah Recovery.

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Does Cigna Cover Treatment?

Cigna Insurance

Cigna offers multiple rehab options for individuals struggling with addiction. In addition, Cigna insurance helps individuals regain their independence from drugs and alcohol through their substance use benefits.

Does Cigna Insurance Cover Drug Rehab?

Cigna Can Help Cover Rehab Costs

If you have Cigna insurance through your employer, you’re in luck. Cigna insurance covers most types of substance abuse treatment. In California, your insurance coverage provider varies by employment location. Those who offer Cigna medical insurance Are providing their employees an opportunity to access high-quality care. 

Cigna insurance covers a number of highly qualified treatment program options for clients who are struggling with substance abuse disorders. For example, Cigna covers detoxification, inpatient rehab, intensive outpatient rehab, outpatient treatment, and several continuing care programs. As a result, Cigna insurance can guarantee that its clients will find coverage that meets their needs and is within their price range by covering all these different types of addiction treatment.

Signal insurance covers detoxification. Detoxification is the process. The body goes through withdrawal from substance abuse. This process can take days or weeks. During this time, and with a comprehensive treatment facility, Cigna insurance policyholders can access supportive care designed to ensure their physical health and mental safety through this extremely challenging process.

The next type of rehab program that Cigna insurance covers are residential inpatient treatment. According to their website, this may be part of a hospital program or in a specialized clinic and is covered based on your policy. Inpatient treatment is necessary for individuals with other physical or mental health problems, who have tried outpatient treatment without success, who don’t live near an outpatient treatment clinic, or for individuals whose home situation is not conducive to sobriety and recovery. This intensive program supplies clients with the necessary time and space to recover in a safe, healthy, and supported environment.

The subsequent treatment covered by signal insurance is outpatient treatment which can be divided into two categories. These categories den note intensity and time spent in each program. The most comprehensive outpatient programs are called intensive outpatient programs. These programs require clients to use their counseling and or group therapy to learn the skills and coping methods necessary for success in the modern world. The next level of addiction treatment is standardized outpatient treatment. This less intensive program requires clients to spend less time at a treatment facility and more time working on their physical health and mental journey.

Finally, Cigna insurance covers a number of aftercare programs, including online virtual therapy. Those programs are designed to provide continued support after individuals have graduated from a program. They address continued education around sobriety, triggers, and stressors and assist individuals in adjusting to the new lifestyle.

Cigna offers comprehensive rehabilitation experiences for individuals who need treatment. Treatment coverage is dependent on the policy provided by the employer and the policy purchased by the client. 

Cigna insurance covers addiction rehabilitation at varying rates. FaceTime, the music of a client, and the doctor’s recommendation for substance-abuse treatment can change by individuals. 

Substance use benefits through Cigna insurance are also faced with treatment services, programs, and referrals. Cigna can, at times, require prior approval before receiving coverage. Additionally may be required to pay a cost-share according to your plan. Once you meet your deductible, the program should cover the rest of your substance abuse treatment.

The length of each type of treatment will vary. For example, inpatient treatment can often last for 1 to 6 weeks. This is based on the individual‘s progress and whether or not they must undergo detox at the beginning of their treatment. While addiction treatment can last up to 90 days, it is more common for inpatient treatment to be completed in around four weeks. Residential treatment can be completed in such a short time because individuals reside at a facility. This means they can receive more intense, frequent, and individualized treatment for their substance use disorder or dual diagnosis.

Outpatient treatment is often longer. While some outpatient day programs may only last a few weeks, outpatient treatment usually lasts six months to a year. This is due to the infrequency of therapy, the intensity that outpatient clinicians can provide treatment in an outpatient manner, and the more generalized nature of outpatient therapy—individuals who attend outpatient treatment often relapse earlier and more frequently based on the less restrictive environment. Relapses can prolong the recovery process.

Standard outpatient treatment may require clients to attend one or two weekly group therapy sessions while also attending individual counseling. Intensive outpatient treatment typically involves 10 to 20 hours of counseling or group therapy thrice a week. Partial hospitalization or day treatment requires clients to attend treatments at a facility five days a week for 6 to 8 hours a day.

Cigna insurance understands the mean for extended treatments and addresses those concerns by offering multiple treatment options at varying lengths and amounts of coverage. Therefore, choosing a Cigna-approved treatment facility is critical to receive the most prolonged care at the most affordable cost.

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