A worldwide health organization, Cigna has more than 86 million consumer relationships worldwide. Along with their mission to provide budget friendly healthcare for basic needs, the business helps its members with addiction treatment.
Although protection varies depending on your specific plan, healing services might include:
- Drug rehabilitation
- Alcohol rehab
- Therapy for addiction treatment
- Cigna Addiction Resources
To better support those who face drug or alcoholism, Cigna started a Behavioral Health division. In addition to providing posts, tools and podcasts for people and family members, the division now consists of an education series.
Cigna PPO drug rehab coverage offers totally free education series providing details on the physical, mental and emotional signs of addiction. Each lesson offers recommendations for those in healing, in addition to their member of the family. While these workshops supply details on addiction and substance abuse, they are not planned to change the care of a doctor. You ought to constantly speak with a physician about the suitable treatment for your condition.
Cigna Policy Protection for Substance Abuse
Depending upon your Cigna plan, your benefits and protection will differ. For example, Cigna’s lowest strategy– bronze– provides lower premiums, however individuals might face greater deductibles and out-of-pocket costs. However, for those with gold or platinum strategies, you receive more extensive coverage with lower deductibles.
In regard to substance abuse treatment, the services insurance covers and the costs you will be accountable for depend greatly on the type of strategy and the state you live in. Contact your medical insurance company to evaluate your policy and determine the kinds of treatment services that are covered by your plan.
Do Treatment Centers Required to be In-Network?
While not all Cigna drug rehab programs need to be in-network, it is essential to note that utilizing an out-of-network service provider generally increases your out-of-pocket costs.
Some plans may not cover any out-of-network services, leaving you with the entire expense. However, other strategies will cover certain parts after a deductible or coinsurance has actually been satisfied.
Numerous out-of-network treatment choices need a pre-certification. This includes Cigna reviewing the request against nationally acknowledged standards.In cases that require a pre-certification, Cigna will identify what services are covered based on your strategy. Refer to your policy or call the number on the back of your insurance card to find out what treatment choices are offered to you.
Cigna Protection for Inpatient Treatment
Inpatient substance abuse treatment programs that Cigna drug rehab coverage may cover consist of:
- Severe Inpatient Substance and Drug Cleansing
- Inpatient Treatment for Substance and Drug Disorders
- Partial Hospitalization for Substance and Drug Conditions
- Inpatient Rehab Service and Costs
Insurance protection and out-of-pocket costs might vary depending on your particular strategy and where you’re located. Here are numerous price quotes for inpatient rehab costs broke down by plans.
Cigna Coverage for Outpatient Treatment
Outpatient rehab services that are usually covered by your Cigna plan include:
- Individual, Family and Group Therapy
- Intensive Outpatient Treatment
- Substance and Drug Detoxification Medication Management
- Anti-Craving Medication Management
All this info can be overwhelming, specifically if you or someone you understand is presently suffering through an addiction. Nevertheless, well-informed advisors are offered who will be happy to help verify insurance protection and find the very best treatment for you. Just call your insurance coverage company and ask a notified representative about the details of your specific strategy.