What Kind of Coverage Does Cigna Insurance Offer for Gambling Addiction?
Cigna insurance plans can be purchased in states like California. Like most other insurance companies, Cigna Insurance is always updating the list of services and medical conditions that it offers coverage for. In regards to gambling treatment, the information needed will be in the summary benefit package. This is normally mailed or given to by your employer.
Type of Rehabs
Cigna insurance coverage for gambling rehab/treatment varies greatly by state. Some of the gambling treatments that are available include:
- Outpatient drug rehab
- Substance abuse day treatment
- Residential long-term drug rehab
- Short-Term Sober Living Drug Treatment
The Cost of Rehab
Cigna insurance coverage for gambling rehab/treatment varies based on the policy. Based on the Cigna Insurance California Bronze Standard Plan, mental and behavioral health inpatient services are offered by Cigna’s participating and nonparticipating providers. As with any plans there are exceptions and limitations.
Paying Above What My Insurance Will Provide to Receive Treatment
Cigna insurance coverage for gambling rehab/treatment continues to add more services and options each year. With a gambling treatment, some rehab centers allow for partial payment for services. Cigna is not a rehab or treatment provider. The best way to the information is by calling the rehab center. Depending on the health insurance plan, Cigna offers partial to full coverage. There may also be a co-pay depending on the services you may need.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Cigna Insurance is always updating the list of services and medical conditions that it offers coverage for. In regards to gambling treatment, the information needed will be in the summary benefit package."
Recovery.org states that Inpatient addiction treatment allows a medical professional to monitor the patient's vital signs. Where inpatient addiction therapy and outpatient therapy differ is outpatient therapy does not include hospitalization. In outpatient therapy, Cigna supports psychological and physical care. Gambling treatment may not need inpatient addiction treatment unless there is more than one addiction.
Choosing a Residential Rehab Center
When choosing a rehab center, you can review your Cigna insurance summary benefits. Once you know what treatments are covered, you can then make the best decision to rid your addiction. By asking questions about the types of therapies that are used during the treatment, you will be able to get the help you seek. When consulting with a residential rehab center, ask about the inpatient versus outpatient treatment. Not all rehab centers cover gambling addiction.
Will Cigna Insurance Pay for Local Rehab and Out-of-State Treatment
Cigna health insurance policies vary based on individual and group plans. It may be wise to consult your summary benefit package to understand the differences between out-of-state treatment and local rehab. The copay and coinsurance may change each year as Cigna updates there plans. Like most insurance companies, Cigna has a network of providers that are available to provide better services depending on your comfort level.
Cigna Pay for Private or Luxury Treatment
Cigna may pay for private or luxury treatment depending on your plan. In some health insurance plans, a 50 percent co-insurance is offered to pay for the gambling addiction rehab. Every year Cigna insurance changes the plans so that you can be customized. Cigna also updates their participating providers so that customers can have more options for gambling addiction treatment.
Executive Treatment Offer Over Other Rehabs
Cigna insurance for gambling rehab/treatment can be used towards executive treatment. This type of treatment is typically utilized by CEOs and celebrity types. An executive recovery center offers therapy for those who are professionals or have a higher health insurance plan. As with any most rehab centers, the treatment still incompasses psychotherapeutic methods. Some of the treatments are the same like inpatient and residential.
Treatment Lengths Will Cigna Pay For
There are 3 types of residential programs available:
- 28-30 Day Residential Programs (1 Month)
- 60 Day Residential Programs (2 Months)
- 90 Day Residential Programs (3 Months)
With residential treatment for an gambling addiction you choose the length of stay. The 3 month residential treatment may be for individuals who have more than one addiction. The length of treatment depends on the assessment during the psychotherapy analysis. The 2 month residential program is for those who may need both inpatient and outpatient treatment. Depending on the program, a 4 week Residential treatment may be the best route to go. It does not need to be substance. It can be both mental and behavioral. Cigna insurance coverage for gambling addiction/rehab may cover all three plans depending the plan you have.
There are a number of options available depending on the plan and benefit summary. Through Cigna insurance coverage for gambling addiction, you should review the website and talk to a Cigna customer service representative to know what your plan entails. Sometimes the benefits are limited. Group plans have different benefits than individuals. So if you have received your health insurance plan through your employer, you will want to talk to human resources or your supervisor.
Using Our Helpline to Determine Cigna Insurance Rehab Options
Questions and Answers
What If I Have No Insurance?
- Will Cigna Insurance Multiple Stays?
- Does Insurance Pay for After Care?
- Could Rehab Make my Insurance Higher?
- Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Many rehab centers that are a part of the Cigna participating network that treat for a gambling addiction do offer services to those that do not have insurance. Every rehab center has a way of dealing with those who are uninsured or underinsured.
The multiple stays that are covered depend on the type of Cigna insurance plan that you have. There are more than likely some plans that do cover multiple stays. This information can be found out through your summary benefits package.
There are many different types of policies where Cigna insurance may pay for after care. It depends on many factors like state and the individual. Like many health insurance policies, there are limitations and exceptions.
Insurance companies like Cigna do not penalize their customers for utilizing certain benefits. There are some exceptions to this but as with anything it is on a case by case basis. The terms and conditions are a part of the summary benefits package.
Obamacare is still growing and with time substance abuse and mental health will become a part of the benefits offered. Obamacare continues to be challenged by politicians on behalf of Americans. There is no major effect since Obamacare has come into play.
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