Cigna

Cigna’s plans will cover rehabilitation inpatient treatment, but there are limitations. In most cases, Cigna will only cover a portion of the total cost of your rehab facility. If you have a deductible on your policy, it will have to be met before any payments are made by Cigna. Once that happens, they may pay up to 100% of approved charges for an inpatient stay or 20% after that point until the end of your stay.

Cigna’s outpatient coverage is more straightforward: as long as you have met your deductible and co-payments (which could range between 20% and 50%), they will reimburse up to 80% of approved charges at any given time during treatment.

If you are struggling with an addiction, or know someone who is, it can be hard to know where to turn. You may have heard about rehab centers and wonder if they take Cigna insurance. For example, do the top rehab centers in your area accept Cigna? Or what about those luxury rehab centers that everyone talks about? If a particular center doesn’t take Cigna insurance, will I be able to afford treatment there anyway?

If you have questions like these and want answers straight from the source then keep reading. We’ll tell you how to find out if a specific center takes Cigna, as well as some tips for narrowing down your choices based on other factors such as location or price range

There are a variety of substance abuse treatment options that Cigna covers. You can choose inpatient, outpatient, or residential treatment. The first step in making your decision is to determine what level of care you need.

Inpatient treatment provides 24-hour medical services at a facility where you live while receiving care. The length of stay varies from 30 days to 90 days, depending on the program and your needs.

Outpatient treatment is similar to an inpatient program, but it does not require living at the center for the duration of treatment. Instead, you typically go there for individual therapy sessions or group meetings during weekdays (or evenings) before returning home each night.

The first thing you should do is call Cigna directly. If you have insurance through the company, they should be able to tell you if it covers rehab.

If your insurance does cover drug and alcohol rehabilitation, there will be a section in your health insurance policy that details what types of services are covered and at what level (some plans may require a co-pay).

You can also call the admissions team at California Wellness directly. Not only can we answer any questions you may have about the treatment process, but we can also verify your insurance coverage for you. 

Cigna offers several levels of coverage and plans to choose from. Each level provides a different amount of money toward the cost of drug and alcohol rehabilitation. The more you pay, the more coverage you receive.

The levels are: bronze, silver, gold, and platinum. There is also a basic benefit plan that does not allow for rehab treatment but does cover some other services related to treatment, like therapy visits or support groups. If you want to go this route, it is only available on their Silver or Gold plans in most states though there are some exceptions where it can be purchased even if you are on one of their higher plans as well, such as Florida or Arizona, where they do offer Basic at all levels due to state regulations requiring insurers provide access regardless what type of policyholder they may be (employee vs self-employed).