Cigna is one of the leading worldwide health insurance companies, providing services to 95 million customers from all corners of the globe. Following the motto of “together, all the way”, Cigna’s mission in providing services to its members is done in a manner that improves “the health, wellbeing, and sense of security of those we serve.” Cigna offers a multitude of different health insurance plans, including HMO’s, PPO’s, and EPO’s, as well as Medicare and Medicaid. In addition, it offers life and accident insurance to its members
More specifically, Cigna provides coverage (both full and partial) for a number of different services offered through professional addiction treatment programs.
What Does Cigna Cover?
While many services that can be provided at a treatment center are still not covered, many of them are, even if just partially. When a member requires professional treatment for a substance use disorder, he or she can work with Cigna to determine what his or her options for care are. The type of coverage that he or she will receive will be dependent on a number of different factors, such as what type of plan the member has, what facility he or she is looking to attend, what state he or she lives in, as well as what his or her medical and psychiatric history is like. However, because Cigna is one of the top health insurance companies in the world, usually services linked to addiction treatment are covered to some capacity. Currently, Cigna provides coverage for the following:
- Drug rehab
- Alcohol rehab
- Addiction counseling
Because drug rehab, alcohol rehab, and addiction counseling are all very broad in terms of what specific kinds of rehab or counseling can be offered, it is always recommended to contact Cigna prior to enrolling in a program. By doing this, members can fully understand exactly what parts of his or her drug or alcohol rehab will be covered, as well as what his or her addiction counseling can be covered.
Cigna can also provide coverage for acute inpatient substance and drug detox, which can help offset costs of room and board, medications, and psychiatric care. Additionally, inpatient treatment and partial hospitalization programs can be covered, too.
In some instances, it is possible to receive treatment from a provider that is out-of-network if the member is willing to foot the bill first. Sometimes, Cigna can offer coverage for out-of-network services to help reduce the bill, but it is not always possible. Checking with Cigna prior to making any appointments for out-of-network care is the best decision to help prevent astronomical fees.
Verifying Coverage and Finding Appropriate Treatment
When in need of addiction treatment, just walking into a treatment center with no plan can be catastrophic for a number of reasons, especially when it comes to treatment. Prior to enrolling in a treatment program or beginning treatment services of any kind, contact Cigna. A helpful representative can help you or a loved one better understand the coverage that is available, as well as help you or your loved one to move forward in the direction of services that are most appropriate for the condition.
Making plans to enter into addiction treatment can be stressful and scary. But with Cigna health insurance, you or a loved one can have a stronger idea of what to expect financially and with what your care might look like.
If you or a loved one has any questions, contact Cigna right now.