Cigna Insurance for Alcohol Rehab

Learn more about Cigna insurance coverage for alcohol rehab, the types of rehab which may be covered and how to check your plan coverage.

Cigna provides healthcare solutions to individuals around the world. Part of their healthcare does include drug and alcohol treatment. They are positioned in more than 30 countries around the globe and serve over 17 million members.1

When working with Cigna insurance, you can count on having easy access to treatment when you need it, as they are affiliated with about 1.5 million healthcare providers and facilities in the United States.1 This includes healthcare access for members in all 50 states plus Washington D.C.2

Seeking treatment through your insurance for alcohol addiction is critical so that your health doesn’t deteriorate further. The National Institute on Alcohol Abuse and Alcoholism states that approximately 15 million people age 12 and older have an alcohol use disorder.3 Finding a Cigna alcohol rehab treatment facility is the first step in your recovery and well-being. You can verify your insurance now to find out if Cigna covers an alcohol rehab plan.

Cigna Insurance Coverage Plans for Alcohol Rehab

Cigna offers a diverse range of insurance plans. Each one caters to specific types of people or situations. The following represent some of the plans that Cigna provides:4

Health maintenance organizations (HMOs): An HMO plan works with a designated network of healthcare providers that are contracted with Cigna. Additionally, if you have an HMO, a primary care physician is assigned to you to assist you with care coordination. They will refer you to healthcare facilities that accept Cigna. HMOs tend to have lower out-of-pocket costs due to the use of in-network providers.

Exclusive provider organizations (EPO): This type of plan also works with in-network providers from which you can choose. You may or may not have to select a primary care physician. Be aware that if you go to an out-of-network facility, you will have to pay for the cost of services. However, you can see a specialist in your network with a referral from the PCP.

Point-of-service (POS): A POS plan combines some of the features of an HMO and an EPO. You will work with a primary care physician who will manage your care. You will also choose from among the network providers, which is a bit smaller than the HMO network. If you see a specialist, you can use an in-network or out-of-network provider as long as you get a referral. If you use an out-of-network provider, you will have to pay some of the costs.

Preferred provider organizations (PPO): A PPO is a bit different. You don’t have to work with a PCP, and you can see a specialist without a referral. Additionally, there is a larger pool of providers from which to choose.

Does Cigna Cover Inpatient Rehab for Alcohol?

When dealing with an alcohol use disorder, it’s vital to make plans to receive proper treatment. Everyone is different as far as what they need for a treatment plan. Some people need a residential type of setting, such as inpatient alcohol rehab. This type of treatment program provides more thorough oversight and care for people at risk of severe withdrawal.5

Some inpatient rehab facilities include the 12-step program that works through Alcoholics Anonymous (AA).5 In addition, you may stay for up to 6 weeks in an inpatient hospital setting, so doctors, nurses, and other clinicians can monitor your withdrawal and provide appropriate care.5

Other inpatient care is in a residential setting and offers a place to reside for several months. During this time, you will have monitoring during detox and attend therapy for addiction needs. You will learn the tools for recovery and relapse prevention.

Cigna inpatient rehab insurance coverage is offered through your network of providers. You can verify your insurance coverage now and find out about inpatient alcohol treatment with the form below.

Does Cigna Cover Outpatient Rehab for Alcohol?

An outpatient alcohol rehab treatment program is crucial for recovery from an alcohol use disorder. There are different reasons you may participate in an outpatient program. For one thing, if you’ve just completed an alcohol inpatient treatment program, it’s advisable to transition to outpatient alcohol rehab. This helps minimize the risk of relapse. Through outpatient treatment, you can receive therapy to identify the root cause(s) of your alcohol addiction.

Within outpatient rehab, you can participate in regular outpatient treatment or intensive outpatient treatment (IOP).5 During IOP, you attend more frequently because it is for people requiring more extensive help. Some people come to therapy sessions 3 times a week for up to 20 hours.5 Additionally, partial hospitalization is available, which involves treatment Monday through Friday for a good portion of the day.5

If you attend standard outpatient treatment, which is the lowest level of treatment, you attend group therapy once or twice a week.5

Does Cigna Cover Mental Health Treatment?

Often, if you are struggling with alcohol use disorder, you may have a co-occurring mental health disorder as well. It’s critical to seek treatment for both conditions so that you don’t slip into relapse. Cigna provides mental health treatment under their behavioral health coverage. 6 They work with a group of licensed mental health providers that are in-network. Your primary care physician can refer you for mental health treatment, or you can discuss your options with the intake coordinator at the rehab facility you’re going to participate in. If they offer co-occurring disorder treatment, then they will likely treat mental health issues in tandem with the substance use disorder.

The services and associated costs for Cigna mental health or substance abuse services are:6

  • Outpatient treatment: Services have a copay for office visits when you use an in-network provider. There is no fee for other services. Out-of-network services are not covered.
  • Inpatient treatment: Services do not have a copay if you use an in-network provider. You’ll have to pay for services if you choose an out-of-network provider.

You can check with the rehab provider for clarification or more details, or you can call Cigna direct.

How to Check My Cigna Coverage for Alcohol Rehab

If you’d like to check your Cigna insurance plan to see if it covers alcohol rehab, you can contact a representative by calling the number on the back of your card. You can also verify your insurance with the rehab facility directly. The coordinator has experience dealing with insurance and can guide you through the process seamlessly.

If you’re already registered for online access to your Cigna account, you can access your login here. Fill out your username and password, and you will be able to check coverage under your plan.7

Take the first step in your recovery today by reaching out to check your plan’s alcohol rehab coverage. Don’t delay in this important step toward healing. You deserve a brighter future.

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