(Disclaimer: Please keep in mind that InpatientRehabCenters.net aims to provide you with the most accurate and up-to-date information on each insurance carrier and their coverage for addiction treatment and rehab insurance benefits but policy changes and differences between insurance policies can change. It’s important to check with our helpline representatives by calling 1-800-552-0697 to determine what coverage level your Cigna insurance will provide for drug or alcohol rehab prior to committing to any program)

Cigna drug and alcohol rehab insurance provides coverage to medically necessary treatments but the level of care that you receive and what IS or IS NOT covered by this insurance often depends on the severity of the addiction and may require the medical or psychological examination by a doctor prior to treatment being covered. Following the HealthCare Act, all health insurance companies are required to provide essential coverage, and detox is one of those coverage options that are required as long as a doctor decides that the severity of the addiction is “bad enough” to warrant such care.

If you or a loved one is addicted to drugs or alcohol, call 1-800-552-0697 to find out if Cigna insurance is accepted at an inpatient rehab center near you and to figure out what you have to do to get into treatment. Our specialists can explain the process and help you with the first steps toward getting the care that you need AND deserve.

Does Cigna Cover Rehab?

While Cigna will most definitely cover the cost of drug or alcohol detox, whether drug or alcohol rehab is covered by Cigna insurance is discretionary. It all depends on your insurance policy AND your unique situation with addiction. Cigna will not cover inpatient rehab just because you “say” you’re an addict. Nor will they cover any treatment that they do not deem medically necessary.

To find out what your Cigna drug and alcohol rehab policy will cover, you can give our helpline a call for a free insurance benefits check. Our advisors are able to review your policy, answer questions about your specific coverage, and help you find an inpatient rehab center that’s right for you or a loved one that is currently struggling with addiction to heroin, methamphetamine, prescription drugs or alcohol. Call 1-800-552-0697, we’re available 24 hours a day, 7 days a week to help you.

How Long will Cigna Cover Inpatient Addiction Treatment?

Your Cigna drug rehab insurance policy may cover your stay in an inpatient addiction treatment program depending on your policy details. If you are allowed to go to a private rehab center, you can appreciate lower patient to staff ratios, private living quarters and significantly better care than what you would expect from a more hospital-like, lower-cost program. Either way, the treatment that you receive is confidential so you can be open and honest with your provider.

Cigna generally does look for a “severity level” to be met in order for inpatient addiction rehab to be covered. If your addiction is considered severe, Cigna treatment insurance may cover 80% or more of the total cost, for a few weeks or months. This depends largely on what is decided between your treatment provider and the insurance company to be most beneficial for you and YOUR needs. The process can be challenging, and it may be upsetting IF Cigna won’t cover all of the treatments that are made available to you, but try not to get discouraged—the positive thing here is that you’re getting the help that you need to get sober.

Are Specialty Programs and Luxury Rehabs Covered by Cigna?

Most of the treatment plans provided within Cigna’s insurance coverage require medically necessary treatment which means that IF a treatment is NOT deemed medically required for your health, you may not be covered. Various levels of coverage are available. If you have coverage for private treatment, you may find that Cigna will allow you to enter a luxury inpatient rehab center which offers distinguished amenities such as:

  • Gourmet meals
  • Higher levels of privacy in living quarters
  • Individual living quarters
  • Acupuncture
  • Massage

Busy executives, celebrities, and people JUST LIKE YOU too are all welcome in private, luxury rehab centers—contact our helpline at 1-800-552-0697 to find out if Cigna insurance for addiction treatment will cover your luxury rehab choice in care or if you’ll have to pay higher out-of-pocket costs associated with this care level. Remember, no matter what type of inpatient rehab you enter, ANY help is better than living a continued life of addiction.

Inpatient vs. Outpatient Rehab Using Cigna Insurance Coverage

Whether you enter inpatient or outpatient rehab is very much dependent on your individual needs first, and then on what you can afford, or what your insurance will cover. Here’s a look at how you can determine IF inpatient rehab may be deemed medically necessary and appropriate for your treatment:

  • You suffer from severe symptoms of withdrawal when you attempt to cut back or quit.
  • You have been abusing prescription drugs.
  • You have been prescribed prescription medication and are being removed from the prescribing program by a doctor who is advising treatment.
  • You have been diagnosed with a mental health condition such as anxiety or depression in addition to addiction.
  • You have been diagnosed with HIV, AIDS, Hepatitis, or another serious health condition in addition to addiction.
  • You have recently overdosed or struggled with another serious complication as a result of your substance use.

Cigna may find other symptoms that they consider as part of your diagnosis as medically necessary for inpatient treatment. It may even be required that you seek the treatment of a healthcare professional FIRST before you are approved to go into an inpatient drug or alcohol rehab center with full or partial coverage from Cigna health insurance. Just follow their steps to get the help that YOU need—even if it’s frustrating or annoying, it’s all part of the process. Know that you are not alone—there is support available for you.

Paying for Services that Insurance Will Not Cover

A major fear for many addicts is how to cover the cost of treatment when insurance won’t. Whether you don’t have insurance, or you simply have less coverage than you thought, there’s a good chance that once you commit to inpatient rehab, some portion of the services that you NEED or WANT to receive will not be fully covered. If your insurance won’t cover rehab, there are other options to help you offset these costs. Consider the following:

  • Setting up a payment plan at the rehab center that allows you to pay as you go.
  • Setting up a health insurance savings account and using funds from that account to pay for services during rehab.
  • Borrowing funds from friends or family.
  • Financing through the rehab center or your own personal financing or credit cards.
  • Seeking government-funded programs or grants that offer aid to people who cannot otherwise afford treatment.

The important lesson here is that you should not let fear of HOW you will pay for rehab prevent you from getting the help that you need. If Cigna will not cover 100% of the cost of treatment, consider other options to help offset the burden and make it possible for you to get the help you deserve. Call 1-800-552-0697 for help finding a rehab center that will accept your Cigna treatment insurance and to decide how much additional financing or funding may be necessary to cover the cost of your recovery.

Cigna Insurance Verification

When you’re already struggling with an addiction and the emotional burden that comes along with addiction, all of this information about insurance, treatment plans, where to go and how to choose can become overwhelming. Advisors are available to assist you in making the best treatment decision for your needs. We will provide a free, no-obligation insurance benefits check to help you figure out what your Cigna health insurance will cover, whether you must choose inpatient or outpatient treatment, and what in-network rehab centers are available to assist you.

Knowledgeable treatment advisors are standing by to take your call 24 hours a day, 7 days a week. Call our helpline at 1-800-552-0697 for any of the following:

  • To ask questions about Cigna health insurance or other health insurance coverage options for drug or alcohol rehab.
  • To ask questions about addiction recovery programs, and what may be best for your unique needs.
  • To determine whether inpatient or outpatient drug or alcohol rehab is the best first choice for your recovery.
  • To find out how much your insurance benefits will cover and where you can go for treatment.
  • To get any other questions about addiction, insurance, treatment and recovery answered.

Finding the Best Inpatient Rehab that Accepts Cigna

Once you’re fully aware of what your Cigna health insurance will cover, you can begin the search for the best inpatient rehab at an in-network provider. Cigna insurance for addiction treatment may also offer coverage for out-of-network treatment providers but you’ll likely be faced with a 30% or higher co-insurance if you choose an out-of-network rehab center. All of this information is not meant to overwhelm you, but to help you in deciding what’s going to be most affordable, most beneficial and most appropriate for your needs.

If you have further questions, please call InpatientRehabCenters.net anytime, day or night, so you can get the answers that you need. We’re available when you need us—all you have to do is call 1-800-552-0697.