Rehabs that Accept Cigna

Using Cigna for Addiction and Mental Health Services

Finding treatment for drug or alcohol addiction is one of the most challenging tasks one can do, according to recent studies. Whether you’re looking for assistance for yourself or a loved one, you’re bound to experience a wide range of emotions.

One of the main reasons for this is how tough it may be to come up with the money to pay for drug and alcohol rehab. You may be eligible for financial assistance with your rehabilitation expenses if you have Cigna health insurance.

Keep reading to find out all about locating rehabs that accept Cigna, and why choosing Catalina Behavioral Health for your treatment can offer many advantages!

Finding the Right Rehab that Accepts Cigna

Many people with Cigna insurance ask if they have access to drug and alcohol rehab that accepts their plan and if they can receive drug addiction treatment. Fortunately, Cigna does pay for drug and alcohol rehab, and many top facilities like Catalina Behavioral Health are among the rehabs that accept Cigna policies.

Depending on your plan, they may do this on a variety of fronts. The degree of coverage they provide might be anything from minimal to comprehensive. Complete coverage of your rehabilitation expenses may be available under certain plans.

They typically pay for at least 80 percent of rehabilitation costs; however, some plans pay substantially less. Anything above the limits of your insurance will most likely require a cash payment.

Inpatient Rehabs That Take Cigna Insurance

Your insurance plan and geographical location may determine the extent of your coverage and your share of any associated costs. Inpatient drug rehab expenses are estimated and categorized by several methods.

Cigna’s Coverage of Drug Rehab

Our Admissions staff are extremely helpful and discreet, so it’s easy to ask them to check your insurance coverage. They will be able to detail the extent of your coverage and any associated out-of-pocket costs, often within minutes.

However, these talks will remain completely private, cost nothing, and impose no responsibilities of any kind. The first question should be whether they are among the rehabs that accept Cigna.

How Long Does Cigna Coverage Last for Addiction Treatment Services?

One of the primary concerns is how long Cigna will cover during a stay at a rehab center. After determining the extent of your coverage for treatment services, the next step is to learn how long it will last.

You need to know if you can check into a rehab facility for a few days, a few weeks, a few months, or for as long as necessary. There are so many variables that answering these questions is a herculean task.

If your insurance doesn’t cover as much time at the rehab facility as you’d want, the personnel at the rehab center you’re interested in will be able to help you find other solutions or treatment services.

Does Cigna Cover Inpatient and Outpatient Treatment?

Alcohol and drug rehab centers may be either inpatient or outpatient settings. Although inpatient treatment centers—where clients check into and live at a treatment facility for a certain period of time—are the first thing that comes to mind when most people think of rehabilitation, they are not the only choice.

Another option is intensive outpatient therapy, where the client does not have to temporarily abandon their daily lives but rather goes for a certain period of time each day. Depending on your insurance plan, Cigna will cover outpatient treatment and residential rehab centers.

Inpatient and outpatient care are also generally covered, although you’ll need to provide evidence of medical need in the case of inpatient care. Again, talk to the knowledgeable staff at Cigna to find out what coverage is available given your policy or plan details.

What If Cigna Denies Coverage for Drug or Alcohol Rehab Centers?

Cigna will never deny you outright. However, certain forms of therapy could be denied or not covered to the extent you need.

Substance abuse therapy and mental health treatment may be rather costly. Nevertheless, the cost of not receiving necessary assistance is sometimes more damaging.

Even while Cigna insurance will pay for most or all of your medical care, there may be times when the remaining bill is too much for you to handle on your own. A longer stay in treatment may be desired, or other treatments at holistic treatment centers may be recommended.

What if you want to spend time at a high-end partial hospitalization program? Or a specialized intensive outpatient treatment program? You should prepare yourself for the possibility of not receiving 100% backing for these programs, even at rehabs that accept Cigna. A quick and confidential call to the Admissions team at Catalina can let you know the full details.

Typical Cigna Health Insurance Packages

Cigna’s healthcare insurance policies are not uniform across the country; instead, they vary by both state and county. Insurance policies may also differ depending on whether you purchase them on your own or have them provided by your company. The following are some examples of the types of Cigna insurance plans that can be available to you:

Cigna insurance exists at certain levels and starts with basic treatment coverage. It’s difficult to answer the question of specific coverage amounts because drug abuse disorders are treated individually, and each case is handled one by one.

Cigna Insurance: In-Network and Out-of-Network Coverage

It is crucial for you to understand the distinction between in-network and out-of-network medical treatments. The insurance company has found and vetted the medical professionals that are part of Cigna’s in-network network.

The payment requirements for Cigna members have typically reduced thanks to the cooperation of these providers and Cigna. Therefore, because of the coverage levels offered by Cigna, in-network therapy is often far less expensive than out-of-network treatment.

Doctors and hospitals that are not part of Cigna’s preferred provider network are considered “out-of-network.” Therefore, Cigna insurance members will have to pay extra for most medical treatments provided by these outfits.

Some Cigna policies, however, extend payment to non-participating medical professionals and other rehabs that accept Cigna. It’s vital to know this when determining where to get help for drug or alcohol addiction, even if the costs are typically lower than for in-network medical treatments.

Cigna Health Insurance Coverage for PHP

Outpatient programs are another prevalent method of treating substance abuse disorders. Outpatient care can take several forms, but the most common are as follows:

The highest level of care available in an outpatient facility is provided by partial hospitalization programs (PHPs). Patients must commit to a daily treatment schedule in a hospital or other medical facility for a number of hours each day if they are enrolled in this sort of outpatient program. When outpatient care is concluded for the day, clients can go home to their normal routines without interruption.

Partial hospitalization programs are more rigorous than intensive outpatient programs, although both require clients to attend therapy sessions every day for at least a few hours.

Normal outpatient programs are the least intense option for those seeking outpatient care. Standard outpatient treatment programs often have clients come in for sessions many times per week, typically in the late afternoon or evening.

Outpatient care is covered to a greater or lesser extent by the vast majority of Cigna health plans. Choices in outpatient therapy and plan design determine which costs will be covered.

Some Cigna plans, for instance, may demand members to pay a copay for each outpatient treatment session they attend, while others may require members to pay a certain percentage in coinsurance for the whole outpatient program.

What Other Mental Health or Substance Abuse Treatments Does Cigna Cover?

Different types of addiction treatment services, such as detox, inpatient, and outpatient programs, as well as a few others, may be offered on their own or in addition to these more common types of care. Before enrolling in a treatment program, it’s important to learn about the most popular types of addiction treatment programs.

Medication Assisted Treatment with Cigna

Medication-assisted therapy (MAT) refers to prescribing drugs to alleviate withdrawal symptoms and diminish drug cravings. Opioid and alcohol addiction are the most frequent types of addiction treated with MAT.

Acamprosate, Disulfiram, methadone, Vivitrol, buprenorphine, and Suboxone are common treatments for these addictions. These medicines are often covered in full or in part at rehabs that accept Cigna and by many Cigna plans and are administered by medical professionals or a treatment specialist.

Substance abuse disorders can be treated using a variety of therapeutic approaches. Individual, group, and family therapy are all examples of these types of behavioral treatments. Therapy is typically covered by most Cigna policies.

Cigna Aftercare and Sober Living Coverage

After completing an inpatient treatment program, some treatment specialists advocate continuing on with a sober aftercare program, sometimes at a sober living house. Cigna’s addiction treatment coverage may not extend to all of its plans.

Coverage for sober living facilities may be included in other plans on a case-by-case basis. Drug tests, treatments, experiential therapy, and other drugs, such as those for co-occurring mental health illnesses, may also be reimbursed by Cigna as additional services for persons struggling with addiction.

Rehabs that Accept Cigna and Your Cost for Treatment

An estimated 23.5 million persons in the United States are afflicted with alcoholism or drug addiction, as reported by the Substance Abuse and Mental Health Services Administration. That works out to around 1 in 12 individuals dealing with some sort of addiction. Only around one in ten addicts really gets help for their problem.

The lack of sufficient financial resources is a typical obstacle to receiving necessary medical care. Until recently, many people couldn’t afford to attend a respectable recovery center.

It is essential that clients maintain their concentration on their healing throughout the rehabilitation and recovery process. Their prospects of recovery may be diminished if they are troubled by thoughts about how to pay for their therapy. If the individual compromises their job to get help, the situation becomes dire.

Cigna now offers corporate health benefit plans that include drug and alcohol rehabilitation coverage, making lifesaving care at rehabs that accept Cigna accessible to many more people in need.

When Should You Seek Drug or Alcohol Rehab?

It can be difficult to treat a person’s addiction and mental illness at the same time, a process known as “dual diagnosis therapy.” There is a larger chance of relapse if you try to tackle one problem at a time to prevent yourself from becoming overwhelmed.

Clients with dual diagnoses receive individualized care designed to address their specific conditions. Therapies and procedures may include:

• Behavioral therapy
• Cognitive behavioral therapy
• Talk therapy
• Holistic treatment
• Group therapy

The staggering prevalence of substance abuse in the United States has significantly influenced the country’s deficit. Over $700 billion is lost yearly in productivity, healthcare costs, and criminal justice expenses due to drug usage.

Cigna rehab coverage is just one example of a group health insurance policy that pays for substance abuse treatment, which has two benefits: it reduces the social stigma associated with addiction and makes it possible for more people to get the help they need, which in turn reduces the economic burden on the country. Rehabs that accept Cigna policies help to make rehab more accessible for those needing treatment nationwide.

The Cost of Ignoring Substance Use Disorders

Most people don’t think of it in those terms, but substance use disorders are revolving doors and affect many spokes on the same wheel. Even if drug and alcohol use disorders don’t affect you directly, they still may do some form of collateral damage somewhere down the line – this can be financial, mental, and even physical in one form or another.

This is why it’s important that nobody turns a blind eye to this overwhelming societal problem. If you or someone you know is directly affected by drug or alcohol addiction, Catalina Behavioral Health services are here to help you navigate the situation.

Catalina Behavioral Health and Your Recovery

At Catalina Behavioral Health, as a top choice among rehabs that accept Cigna in Arizona, we’ve helped countless numbers of clients overcome their challenges with mental health and substance abuse. Our trained staff is always on call to provide you with top-tier solutions for any of your mental and physical issues throughout your time here, and we’re prepared to help you navigate your treatment exit and the aftercare process.

You’ll be paired with a treatment specialist, and together you’ll craft a personalized treatment plan catered to you, and together, we’ll work to help you reclaim your independence.

For more information about our program, contact a member of our admissions team today.