CIGNA

Cigna offers several levels of coverage; therefore, your specific benefits for mental health and addiction treatment vary based on your chosen plan. For example, although bronze Cigna plans have a lower monthly premium, they typically require higher out-of-pocket costs and a higher annual deductible than a platinum plan or another “higher” level of insurance coverage. 

Cigna requires pre approval or pre-authorization before beginning treatment for some treatment services (frequently with lower coverage levels). If you are unsure about your coverage levels or if your plan level requires pre-authorization, it is essential to contact your plan manager or a member of our admissions team Ocean Coast Recovery before treatment begins.

It is also essential to consider the type of treatment or level of care you need to get well. Another factor that helps determine coverage and treatment cost is the region or state where you live. Some Cigna insurance plans will require you to seek treatment at Cigna in-network rehab facilities or Cigna-approved rehab centers. However, this is only the case with some Cigna plans, so contacting Cigna directly before beginning an addiction treatment program is essential that you understand how your insurance benefits apply to your treatment program at a Cigna drug and alcohol rehab. It is crucial to keep in mind that choosing a rehab that is an out-of-network provider will generally increase your out-of-pocket costs due to variations in Cigna’s agreements with in-network and out-of-network providers.

Cigna insurance benefits cover both services for both residential (inpatient) and outpatient addiction treatment services. Examples of covered treatments in a residential treatment program may include addiction therapy, detoxification services, medication management, and nutritional support. As previously noted, your insurance plan benefits and what Cigna will pay for services will vary based on your state of residence, chosen rehab, and coverage levels. 

As previously mentioned, your specific coverage details and payment levels will vary based on your plan and your state of residence. In the outpatient treatment environment, your 

Cigna plans will often cover individual, group, and family therapies, detox medication management, intensive outpatient therapy services, treatment programs, and anti-craving medication management. Most Cigna-approved drug and alcohol treatment programs offer services for many needs, including prescription pain medications, alcohol, heroin, cocaine, prescription stimulants (i.e., Adderall), sleep aids, sedatives, marijuana, methamphetamines, and benzodiazepines.