Cigna is a company that offers health services to individuals and families all over the world. They serve approximately 95 million people and work to provide health and security to those who hold a policy with them. But, sometimes, it can be difficult for individuals to understand what their Cigna policy insures and covers. It can be especially challenging when it comes to substance abuse treatment coverage. If you’re looking for information on this matter, we can help you here at DrugHelp.com.
For those seeking drug or alcohol addiction treatment, Cigna provides its policyholders with at least some level of benefits. At DrugHelp.com, we are able to provide you with an independent review of your benefits to help you or your loved one find the best course of action for treating addiction.
Most people are unaware of what level of coverage they have for substance abuse and mental health treatment, and even more people panic at the thought of using an out-of-network rehab center, because of the potentially astronomical costs.
DrugHelp.com steps in and provides you with a professional review of your benefits to help you determine which drug and alcohol rehabilitation facilities accept your Cigna health insurance. We can also pinpoint if your insurance covers inpatient treatment and for how long.
Understanding Your Cigna Benefits for Drug and Alcohol Treatment
Drug and alcohol rehab programs accept insurance policies based on the history of their ability to approve claims, rather than deny them. Not even Cigna itself can guarantee whether your claim will be approved or denied, even when you’ve chosen a rehab center that appears to be in-network.
With DrugHelp.com, an independent review of your Cigna coverage will determine:
- Which alcohol and drug rehab centers you are eligible for
- How long you can attend the program (30, 60, 90 days, etc.)
- Which level of care will be covered
- Where the treatment center is located
By allowing us to provide you with an independent review of your Cigna coverage, we are able to set you up with a drug or alcohol rehab that will accept your benefits. We can also identify the amount, if any, you can expect to pay out-of-pocket.
Most people we help were unaware of the potential their Cigna drug rehab coverage had for alcohol and drug rehab because of what they were told by Cigna directly or what they read in black and white about their benefits. Too often, we see people check into a drug abuse treatment program because they were told that their Cigna insurance covers the program, only to see the individual become responsible for claims that were not approved by the insurer. With DrugHelp.com, you’ll know all of your options up front.
Choosing an in-network rehab center instead of an out-of-network provider can usually mean the difference of going to treatment for just 30 days or being able to go for several months. Our team is able to provide valuable information about your Cigna insurance coverage based on years of experience having verified thousands of policies and having placed thousands of people into a formal addiction treatment program.
Other Benefits of Cigna Health Insurance
Also, Cigna has personalized website tools and even a mobile app, all of which can help you locate in-network providers, check on your claims, manage account balances and more. Cigna representatives are standing by 24/7 if you have any questions about in-network providers, claims, and insurance coverage. This is especially helpful if you have an emergency and need to find the closest provider that’s covered by your policy.
Cigna has a presence in about 20 U.S. states as well as 30 other countries. The company claims to foster the strongest return-to-work results, which is especially important for recovering addicts who want to have their job waiting for them while they complete an inpatient treatment program.
Your Insurance Claim for Addiction and Drug Abuse Treatment Poses No Risk to You
About Cigna Coverage for Alcohol & Drug Detox and Treatment
In many cases, Cigna requires prior approval, or pre-authorization, for substance use treatment. Without this prior approval, individuals may need to pay the entire cost of treatment out-of-pocket. So, it is best to make sure that the treatment center you’ve selected is pre-authorized by Cigna. Individuals may also be required to pay a deductible.
Again, coverage for treatment services may vary depending on the details of your Cigna plan. But, generally speaking, Cigna provides coverage for outpatient and intensive outpatient programs, residential (inpatient) programs, and partial hospitalization programs (PHPs).
Substance abuse comes in many different forms. But, most rehab centers provide treatment for individuals who are suffering from addictions to substances such as alcohol, opioid medications, cocaine, heroin, benzodiazepines, and more.
Cigna Behavioral Health Coverage for Inpatient and Outpatient Treatment
Cigna plans may offer coverage for both inpatient and outpatient treatment programs. But, again, pre-authorization may be a requirement in order to ensure that the company will cover the cost of treatment.
Cigna Coverage for Mental Health Treatment
Medical professionals can help individuals to safely detox from drug or alcohol use, guiding them through the withdrawal process with expertise. But, those who are suffering from a substance use disorder in addition to a mental health concern should go through treatment that focuses on both issues. Dual diagnosis treatment provides individuals with professional care that deals with substance abuse and mental health.
Cigna can provide coverage for the treatment of mental health concerns. Still, it’s important to seek guidance directly from Cigna or call our experts here at DrugHelp.com in order to learn about the specifics of your plan and its coverage for mental health treatment.
Allow DrugHelp.com to Assist You
If you are looking for a place where you or someone you know can gain total freedom from substance abuse, we are here to help! We understand the importance of finding a rehab center that is comfortable for you, both physically and financially. So, we are dedicated to working with you to find the best treatment option. For more information, just contact us today by calling (877) 455-0055.