Cigna Health Insurance is one of the largest providers in the United States, and as such, it has a wide array of health care plans with varying deductibles, copays, and benefits coverage. For addiction treatment, Cigna health care plans are widely accepted throughout the country. However, with a company as large as Cigna, it is important to understand your specific benefits, and how they will affect your costs for addiction treatment.
Generally, Cigna’s policy is to reimburse the medical cost of addiction treatment, which includes lodging and meals. While this generality leaves many details unaddressed, there are several parts of addiction treatment, namely non-evidence-based supplemental therapies, which may or may not be considered as medical necessities. Most Cigna insurance plans will cover whatever forms of therapy are offered as part of an addiction treatment program in its network, but may not cover these therapies outside of the treatment program.
Included in the types of addiction treatment covered by Cigna are inpatient, partial hospitalization, and intensive outpatient rehab programs, which can be found through their behavioral health provider locator.1 Another benefit offered by Cigna is a behavioral health program called “telehealth,” which allows members to find an in-network behavioral healthcare provider and engage in video conference sessions with that professional from the comfort of home, or wherever is convenient for the member.
Just as Cigna recognizes, health insurance can be complicated, but there are several benefits and resources offered when it comes to getting the addiction treatment help you need.
Within the range of mental and behavioral health benefits of Cigna are the following:
Remaining active in the battle against opioid abuse and addiction, Cigna has dedicated a portion of their website to inform members of the dangers associated with prescription opioids. Cigna also recently announced the accomplishment of its goal to reduce opioid use by 25 percent among its members, another initiative by the insurance giant to combat the opioid epidemic.
The most important initial factor when dealing with health insurance is what is in network and what is not. Cigna has contracts with several treatment providers that are in network, and those contracts put a limit on the amount providers can charge for their services, thereby keeping your out-of-pocket costs minimal.
When you are making plans to enroll in an addiction treatment program, the difference between an in-network facility versus one out of network can be significant in cost. Currently, Cigna is contracted with about thrity different inpatient, partial hospitalization, or intensive outpatient addiction treatment programs throughout the United States. Many of the programs in contract with Cigna include several supplemental therapies and special accommodations that may not be covered outside of an addiction treatment program. Therefore, it may be of tremendous benefit to take advantage of these therapies in treatment, as they are not otherwise covered by Cigna.
Another factor to carefully consider is that travel to another state may be necessary for the addiction treatment that best fits your needs. Although Cigna Health Insurance plans may cover the cost of treatment, remember that travel costs are not covered, and it is not legal for the treatment facilities to pay for your travel. So, if you are considering a rehab program out of your state, account for the cost of travel for yourself and any loved ones who may want to visit during your time in treatment.
It is also important to know how Cigna handles readmission coverage, in the event of relapse after completing addiction treatment. Addiction is a chronic disease, which means that relapse is common. Understanding that 40 to 60 percent of addicted people relapse after treatment, health insurance companies largely accommodate readmission to treatment in their coverage plans. The details of this aspect are important to understand.
At AllTreatment.com, we understand the details of addiction treatment, how it works, and how insurance companies like Cigna work with it. We can help you to verify your coverage and discuss exactly what kind of addiction treatment may be best for you and your circumstances. The process of finding the best addiction treatment program for yourself or a loved one is never easy, and it is often difficult to determine the best decision without experienced assistance.
AllTreatment.com is here to help you through this process, and anything else related to addiction treatment and recovery. We aim to provide you with the most up-to-date and accurate information and services so that you can make the best decisions for yourself and your loved ones.
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