What types of health insurance plans does Cigna offer?
Cigna offers a range of family and individual health insurance programs. Cigna’s plans are designed to assist individuals who are purchasing their own health insurance, along with employees working at organizations in a variety of industries.
Does Cigna cover drug and alcohol detox?
Cigna covers numerous behavioral health services for mental health and substance abuse problems. Also, Cigna’s Behavioral Health Care management staff will compare the recommended treatment to established Clinical Practice Guidelines and determine if benefits are available in accordance with standard utilization review procedures. In addition, your Cigna plan may allow you to go to a private rehab or specialty center to learn how to beat addiction.
What are some of the benefits that Cigna offers for addiction treatment?
Cigna works with a network of providers to give you greater flexibility when choosing a rehab center or treatment. It also updates its plans annually to offer better benefits, along with updating its participating providers to give you additional rehab center and treatment options. In order to determine your level of coverage for drug and alcohol rehab treatments, it’s important to review your individual policy.
Will Cigna pay for my entire stay for detox and recovery?
Possibly. Cigna offers three types of residential programs for detox and recovery:
- 28-30 Day Residential Programs (1 Month)
- 60 Day Residential Programs (2 Months)
- 90 Day Residential Programs (3 Months)
However, Cigna policies vary based on individual and group plans and your state of residency. The copay and coinsurance also will differ for local and out-of-state treatment.
If you want private or luxury treatment, you will need to see if your preferred rehab center is part of Cigna’s participating network. In some plans, a 50 percent coinsurance is offered through summary benefits.
How do I find out if my Cigna insurance policy includes coverage for drug rehab and drug and alcohol detox?
The most convenient and quickest way to understand the coverage you are entitled to for detox and recovery coverage through Cigna is to call our insurance assistance specialist at 877-703-2817. We will work directly with Cigna on your behalf to surface all applicable benefits based on your individual policy. This can usually be achieved in 45 minutes or less.
Here at Beach House, we know that trying to understand insurance coverage can be overwhelming. We can reduce that stress by working directly with Cigna to ensure we surface all applicable benefits to drug and alcohol detox and treatment. Call us at 877-703-2817, and we will be able to identify your benefits within an hour.