Cigna Insurance for Alcohol & Drug Rehab

Need Help Paying for Rehab With Cigna Insurance?

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If you or a loved one is struggling with substance use and have Cigna Insurance, you may be eligible for addiction treatment services in rehab.

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It’s estimated that over 46 million Americans have a diagnosed substance use disorder. Of these, roughly 94% go untreated. That’s an alarming statistic considering addiction and mental health care are widely available around the country from treatment providers like South Coast Behavioral Health. Unfortunately, many hesitate to get the help they need because of the cost of treatment. The good news is that many treatment centers accept insurance. If you’re interested in using Cigna insurance to pay for rehab, you’re in luck. South Coast Behavioral Health accepts Cigna insurance and will work with your coverage provider to create a treatment plan that’s cost-effective for you. Our goal is to make treatment for substance abuse as simple and stress-free as possible so you or a loved one can focus on getting better. Let’s dive into ins and outs of using Cigna insurance coverage for treatment programs.

What Is Cigna?

Cigna Healthcare Europe is a global insurance organization serving over 200 markets worldwide. Cigna was founded in 1982 and over the years has established itself as a leader in health insurance. Cigna’s mission is globally-focused. They cater to individuals around the world, including those in the United States. This inclusivity mindset is ingrained in their services, as they offer multilingual support and work with 1.5 million health professionals worldwide.

Some of their values are prioritizing people, providing affordable policies, offering quality customer service, and promoting overall health and wellness. One feature they excel at is digital care. As such, the Cigna Wellbeing App provides global telehealth services.

Understanding Cigna Insurance Policies

Cigna values total wellbeing and holistic care. They offer plans that reduce the cost of treatment for substance addiction and mental health rehabilitation. Many of their policies provide coverage for such services, but it depends on which one you have.

Some of the available Cigna insurance plans include:

Cigna also provides insurance for intergovernmental and non-governmental organizations. Their employer-funded plans cater to local and remote employees as part of their goal to offer global healthcare insurance. Like most insurance companies, Cigna divides their plans into tiers. These tiers on the lower end of the spectrum have lower monthly costs but less coverage and higher deductibles. These are generally referred to as bronze and silver plans. Conversely, higher tier plans—gold and platinum—cost more each month but cover more services with lower deductibles.  

Regardless, your Cigna plan will likely help you pay for substance addiction services.

What Cigna Policies Cover Addiction Treatment?

The good news is that many Cigna insurance plans help pay for addiction treatment. How much they cover and what you have to pay before insurance starts paying depends on your specific plan. Both substance abuse treatment and mental health care are important parts of the Affordable Care Act (ACA). So, most insurance companies, including Cigna, offer help for these services.

To find out what your plan includes, go to Cigna Global Health Insurance online. Find the Member Login section and pick your plan type. You’ll need to log in and then you can see your policy documents.

Be sure to check the details, like co-pays and deductible. Different plans have different levels, like bronze, silver, gold, or platinum. Higher levels usually cost more each month, but they might have lower costs when you get care. Lower levels might need you to pay more at first or each time you visit, but less each month. Co-pays can decide how much of your treatment gets covered and how much you have to pay each night. The best way to know which Cigna plans help with addiction treatment is to check your own plan.

Cigna Referral for Rehab

Some addiction and behavioral health services need a referral from your doctor. This shows your insurance provider that treatment is essential for your recovery. After you get the referral, your insurance will start covering the costs of rehab. But it’s important to check what you need beforehand, so you don’t have to wait for approval when the time comes to use Cigna insurance for rehab. 

Cigna Pre-authorization for Rehab

Some treatments or services might need pre-authorization, which means you need Cigna’s approval before starting addiction or mental health treatment. If you don’t get this approval first, your insurance might not cover the treatment. Prior certification is often needed for prescription medications with the ability to be misused, such as opioid agonists. Your insurance company can deny you coverage for certain services if you don’t have the right approvals from your physician. 

Verify Your Insurance

Looking for quality substance abuse treatment that’s also affordable? South Coast accepts most major insurance providers. Get a free insurance benefits check now.

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Rehab Programs Covered by Cigna Insurance

Substance abuse treatment has different levels to help people heal from addiction step by step. It usually begins with detoxification, then moves to inpatient and outpatient treatment. Through these steps, individuals achieve sobriety, understand why they became addicted, heal from any trauma, and learn to rely on themselves. By completing these levels of treatment, people leave rehab better prepared to stay sober on their own. Cigna covers many types of rehab programs, including  inpatient services, and outpatient programs as well as therapy sessions (individual, group, and family), medication-assisted treatment (MAT), and holistic treatment services.

Cigna Coverage for Detoxification

Detoxification is usually the first step in rehab. Under the watch of medical detox professionals, people go through withdrawal to get rid of harmful substances in their bodies. After that, they learn how to stay sober by talking about their addiction. Cigna covers detox in many of their plans, so check your policy to see how it works for you.

Cigna Coverage for Residential Treatment

Residential inpatient treatment is intense care you get at a facility to beat addiction to drugs or alcohol. Cigna usually covers this type of treatment. Insurance has two main parts: inpatient and outpatient care. But your policy might have different coverage for inpatient rehab compared to being in the hospital as an inpatient. Both mean you stay at a facility for constant care. Some insurance plans might have specific rules about the kind of treatment they cover. But since addiction treatment is considered medical care, you should get some benefits for residential inpatient care. How long you stay depends on what you need, but you might be in inpatient treatment for up to a month or more. After that, many people move on to outpatient care.

Cigna Coverage for Partial Hospitalization

Partial hospitalization (PHP) is a type of outpatient treatment that’s more intense than other outpatient programs, but still gives you more freedom to go back to your regular life and routines while you’re getting help. Lots of Cigna plans pay for PHP, and because it’s outpatient, it can cost less than staying in a residential program. Most Cigna plans include PHP. Check your policy to see if there are any rules about how much PHP they cover.

Cigna Coverage for Intensive Outpatient Treatment

Intensive outpatient (IOP) allows clients to receive scaled-back treatment during the daytimes and return to responsibilities at home. It’s a flexible outpatient program for those who can manage a level of independence in sobriety maintenance. Many Cigna plans provide coverage for intensive outpatient care. Fortunately, outpatient treatment is usually affordable because it can be covered similar to visits with care providers.

Cigna Coverage for Medication-Assisted Treatment (MAT)

Medication-assisted treatment (MAT) is a type of rehab for substance abuse or mental health issues that involves using prescription medications. Case managers work closely with clients to ensure they get the right medications to manage their symptoms effectively. This could involve short-term medications to ease withdrawal during detox or longer-term prescriptions to improve overall well-being. It’s important that individuals receive proper treatment for their condition, and insurance can help cover the costs.

Typically, insurance covers medications that are approved by the FDA for substance use disorders (SUD) and mental illness. The most common being used for alcohol use disorder (AUD) and opioid use disorder (OUD) However, you might need precertification to qualify for coverage. It’s also important to check your co-pay for prescriptions, as you may need to pay a certain amount out of pocket before your insurance starts covering the costs.

The list of FDA-approved drugs for alcohol addiction include: 

FDA-approved drugs for the treatment of opioid use disorder include:

These drugs should only be used under the guidance and supervision of addiction treatment professionals. South Coast Behavioral Health can help you find an addiction treatment program covered by Cigna insurance. 

Using Cigna for Mental Health Treatment

About one in four Americans aged 18 and older deal with mental illness. Many of them also face substance use disorder (SUD) alongside their mental health challenges. Cigna provides coverage for mental health issues in many of its policies. Mental health services and substance abuse rehab are usually covered under the same category, called behavioral health. So, your plan might cover things like therapy, counseling, and medication. To see what’s covered and how much you’ll have to pay, check your own plan details.

Some common mental health disorders that insurance cover include: 

Using Cigna to pay for treatment provides clients and their families with access to excellent options for treatment like South Coast Behavioral Health. 

We Are In-Network With Aetna, Anthem, & Cigna Health Insurance Plans

South Coast Behavioral Health is proudly an in-network provider of substance abuse and dual diagnosis treatment services for BlueCross BlueShield Anthem, Aetna, and Cigna health insurance plan members.

Aetna Insurance Logo- We accept Aetna Insurance Plans

We also accept most major insurance providers

Tricare insurance
Providence Health

If you are ready to recover, please reach out to speak with one of our admission coordinators.

Should I Use Cigna Insurance for Rehab?

When facing substance addiction, mental illness, or co-occurring disorders, it’s crucial to prioritize your well-being. These challenges can have a devastating impact on your life or the lives of your loved ones. Considering treatment and exploring how insurance can help is a step in the right direction. However, we understand that navigating insurance details can be overwhelming and stressful. It’s normal if understanding your personal policy feels daunting.

We’re here to support you during this challenging time. Our team can work directly with your insurance provider to gather the information you need. We’ll break down your policy, explaining your co-pays, co-insurance, deductible, and coverage for various services. By aligning these details with our treatment options, you can have a clear understanding of the rehab costs without any surprises. This empowers you to make well-informed decisions about your health.

Verify Your Cigna Coverage Now

Unsure about what your Cigna insurance covers? We can help! To get started, simply fill out the insurance verification form available on our website. This form is your initial step toward peace of mind, as it allows us to gather the necessary information to verify your insurance coverage for addiction treatment services. 

By providing details such as your full name, date of birth, Cigna member number, and contact information, you enable our dedicated team to conduct a thorough review of your coverage and get back to you with a clear understanding of the benefits available to you for rehab.

Finding a Cigna Rehab Near Me in Orange County, California

South Coast Behavioral Health is a Cigna insurance addiction treatment provider located in Orange County, California. We are proud to offer evidence-based treatment programs for substance abuse and mental health disorders specifically tailored to meet the needs of military service members, veterans, and their families.

Our addiction rehab centers are located in several cities throughout Orange County, California including:

South Coast is honored to provide specialized treatment for veterans and first responders within each of our drug and alcohol rehabs in Orange County, CA. Our Valor Program provides personalized treatment founded on trauma-informed care.

At South Coast’s Cigna approved rehab facilities, our clinicians understand the unique challenges faced by those who serve our country. Throughout our addiction treatment programming, we provide compassionate care and support throughout the recovery process.

During treatment, veterans gain access to a variety of vital addiction treatment services such as medication management, behavioral therapy, and addiction counseling.

In addition to traditional therapies, we also offer expressive arts therapy which allows clients to explore their feelings through creative outlets. This can be especially beneficial for veterans who have difficulty verbalizing their emotions.

We also provide dual diagnosis treatment for co-occurring mental health and substance abuse disorders, and medication-assisted treatment (MAT) for those struggling with addiction.

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TRICARE Insurance

Paying for Rehab with Cigna

Remember, recovery is a journey with lots of ups and downs. One of the biggest ups is when you finally make the decision to enter treatment. Don’t let cost deter you. By thoroughly understanding how to utilize your Cigna insurance for addiction treatment, you are taking a significant step towards reclaiming control over your life and well-being.

South Coast Behavioral Health is here every step of the way to support you through this process with compassion and expertise. To learn more about paying for rehab with Cigna insurance, reach out to us at (866) 881-1184.

If you or someone you know is struggling with addiction, please don’t hesitate to reach out to us.

We are here to help because we’ve been there.

The Treatment Experience at South Coast

What Our Alumni Have to Say

This place truly saved my life. I'll be forever grateful for the opportunity to get and stay sober here... Everyone was great. This experience definitely paved the way for a real future for me and for my son. Thank you.

J.C. Alumni of SCBH
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