Cigna Insurance Coverage
Cigna is a “global health services” company providing insurance coverage to some 180 million people around the world. While their coverage varies widely based on the plan, most of their policies provide substance abuse coverage. If you’re covered by Cigna and need help battling substance abuse, contact our admissions team today.
Questions Answered in This Article
- Does Cigna cover inpatient rehab?
- Will Cigna cover multiple rehab stays?
- What length of treatment does Cigna cover?
- Does Cigna cover methadone maintenance?
- Will my insurance premium go up after rehab?
- What states are covered by Cigna?
Cigna Substance Abuse Treatment Options
Cigna plans vary based on your specific coverage and are broken down as bronze, silver, gold, and platinum plans. You can expect to see these forms of addiction treatment covered under most plans:
Cigna Substance Abuse Criteria
As with all insurance providers, Cigna has specific substance abuse criteria to qualify you for coverage. Our initial survey will as the following questions to understand if you meet criteria:
- How long have you been using?
- How often have you used?
- When was the last time you used?
- Have you sought treatment previously?
What states are covered by Cigna?
Cigna provides health insurance coverage in all 50 states across the United States. While plan availability and specific benefits may vary by state, Cigna ensures nationwide access to behavioral health and substance abuse treatment. It is recommended to review your plan’s details or speak with our admissions team for clarification on your state’s coverage options.
Does Cigna cover In-Patient Rehab?
Yes, Cigna covers inpatient rehab. Depending on the plan type, you may be eligible for coverage for residential treatment centers that provide round-the-clock care.
Will Cigna cover multiple rehab stays?
Yes. Cigna will cover as many rehab stays deemed medically necessary. Your primary care physician or an addiction specialist will be able to provide an assessment and discern what level of care and length of stay you will need.
Does Cigna cover Methadone maintenance?
Methadone maintenance is commonly covered under Cigna plans as part of medication-assisted treatment (MAT). Coverage will depend on your specific plan and medical necessity.
Types of Addictions Cigna Covers
While each plan will have unique coverage options, most Cigna plans cover addiction treatment for common addictions. This can include:
Cigna Insurance Coverage for Behavioral Health
Mental health issues frequently co-occur with substance use disorders. Cigna recognizes the importance of addressing these conditions simultaneously. Behavioral health treatments, including therapy and counseling, are often covered alongside substance abuse treatments to ensure comprehensive care.
Paying for Rehab with Cigna Insurance Coverage
Substance abuse treatment and behavioral health services are federally recognized as one of ten essential services insurance providers must cover under the Affordable Care Act. This means that whether patients are seeking preventative care or substance abuse treatment, they will be treated the same.
What length of treatment does Cigna cover?
The length of treatment covered by Cigna will vary based on the level of care and your specific plan. In general, Cigna policies cover:
- 1-6 weeks of inpatient rehab
- 4-12 weeks of intensive outpatient rehab (IOP)
Coverage depends on the success of current treatments and whether further care is deemed medically necessary.
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