Cigna Health Insurance Coverage for Addiction Treatment

Cigna is a multinational health services company that operates in over 30 countries and serves more than 180 million customers worldwide. Cigna insurance strives to provide outstanding solutions to patients by connecting them with the medical facilities and services they need for wellness.¹ This page will provide information on Cigna coverage for substance abuse treatment.

Does Cigna Insurance Cover Substance Abuse Treatment?

Most Cigna plans offer coverage for substance use disorder (SUD) treatment. Plans purchased through the marketplace must comply with the Affordable Care Act (ACA), which mandates coverage for this essential health benefit.²

Cigna’s substance use benefits are managed through Cigna Behavioral Health.³ The following types of plans typically provide substance abuse rehabilitation under this program:^3-5

• ACA Marketplace Plans
• Medicare Advantage Plans
• All employer-sponsored plans

Cigna must ensure that all plans providing mental and behavioral health coverage, including addiction treatment, offer benefits comparable to those for primary health services.² The specifics of your coverage for substance abuse rehab will depend on your individual plan, including co-insurance rates, deductibles, out-of-pocket maximums, and co-pay amounts.

For detailed information about your Cigna alcohol or drug treatment coverage, you can contact your Cigna administrator by calling the number on your insurance card or you can .

Which Types of Addiction Treatment does Cigna Cover?

Cigna offers a variety of rehab treatment programs designed to support you at every stage of your recovery journey. Individual needs can vary significantly; some may require more intensive interventions, while others might need longer durations of treatment. It’s essential to follow the guidance of your doctor or rehab support team. Here are some treatments that Cigna may cover:^6,7

• Medically Assisted Detox Program: This program includes supervision by medical staff and the use of medications, if necessary, to safely manage withdrawal symptoms. For many, this is a crucial first step toward sobriety, but ongoing rehabilitation and therapy are typically needed for lasting recovery.
• Inpatient or residential treatment program: This level of care requires patients to stay at a residential facility for weeks or months. You’ll benefit from close support from therapists, doctors, and fellow patients throughout your stay.
• Outpatient addiction treatment: This less intensive option allows you to live at home while meeting with a therapist several times a week for individual and group therapy sessions to address ongoing issues.
• Partial hospitalization program (PHP): Also known as “day treatment,” a PHP provides intensive outpatient care in a hospital setting. It combines many aspects of inpatient treatment while allowing you to return home each evening.

Choosing the right addiction treatment plan through Cigna is a crucial first step in your recovery. Since treatment needs vary from person to person, research indicates that the most effective addiction treatment is personalized to meet individual requirements.⁸

Drug & Alcohol Rehab Centers that Accept Cigna Insurance

When looking for a drug and alcohol rehab center, choosing a facility within the Cigna network can help reduce your treatment costs. Depending on your specific plan, seeking care outside the network might result in higher out-of-pocket expenses or even lack of coverage altogether. AdCare is part of the Cigna network, so you can feel confident that your treatment will be covered when you choose us.

Whether you’re facing addiction to drugs or alcohol, it’s crucial to find the right treatment tailored to your needs. Our admissions navigator is available to answer your questions and guide you through the process of starting treatment at AdCare. Just call to get started.

How Much of the Cost does Cigna Cover for Addiction Treatment?

Out-of-pocket expenses can differ based on the type of treatment you receive, the duration of your stay, and the specifics of your insurance policy. It’s a good idea to verify your insurance benefits now to understand how your coverage applies to treatment at AdCare.

If you’re concerned that your insurance may not cover the full cost of treatment, there are several alternative payment options available to you, including:

• Personal loans.
• Financing plans.
• Flexible payment arrangements.
• Health insurance credit cards.
• Crowdfunding campaigns.

Exploring these options can help you find a solution that works for your situation.

How to Use Cigna Insurance for Rehab

Getting started with your Cigna insurance benefits for rehab is simple. The first step is to complete the online benefits verification tool, which will confirm your coverage for treatment at AdCare. You’ll receive an email with the results within minutes.

If you prefer to speak with someone directly, you can reach out to an admissions navigator by calling . 

Additionally, you can access your Cigna benefits through their web portal for more information.

Cigna Addiction Treatment Coverage in New England

The New England region consists of six states—New Hampshire, Connecticut, Vermont, Maine, Massachusetts, and Rhode Island—each facing its own unique addiction challenges. For instance:^9-11

• Five of the six New England states rank among the top ten for opioid-related overdoses per capita, with Vermont closely following in 11th place.
• Vermont has the highest rate of heavy drinking in the nation, with 9.4% of residents classified as heavy drinkers.
• Additionally, Vermont has the highest percentage of residents aged 12 and older who reported using drugs in the past month, at 21.13%.

Effective treatment is crucial for individuals struggling with addiction to regain control of their lives. Fortunately, AdCare offers multiple treatment programs located in Rhode Island and Massachusetts and is part of Cigna’s network.