Does Cigna Insurance Cover Treatment for Sex Addiction—love and Intimacy Disorders?
For the 6 to 8 percent of sex and love addicts in the United States, process addictions pose a particular challenge: unlike drug dependency, the addictive behavior cannot be avoided entirely. Instead, treatment and recovery must achieve a total overhaul of your perspective, filling in all the psychological holes that have caused your compulsive lifestyle. Sex-love compulsivity is nonetheless treated with many of the techniques used during chemical dependency treatment, although patients benefit from working through their programs together with others who share their addictive model. While standard drug addiction facilities usually have the resources to treat process addictions, specialist rehabs and centers do exist. Cigna Insurance for sex addiction—love and intimacy disorders rehab covers varying degrees of treatment, but the Affordable Care Act ensures that you receive coverage for a high standard of care if your specific plan includes it.
Types of Rehab Cigna Will Pay For
Cigna’s Behavioral Health Network includes therapists, addiction specialists, intensive outpatient treatment and inpatient care. Centers with sex addiction certification have an involved knowledge of this unique disease and are best equipped to guide the one-on-one therapy included in your rehabilitation process. Love and sex addicts generally go through a withdrawal process that prompts the need for inpatient treatment when the disease has progressed to severe levels. Those who are medically assessed and believed to require less intensive care may be put through a range of outpatient programs or, in the least severe cases, psychotherapy with a qualified specialist.
Co-Pays and Co-Insurance
Cigna’s plans vary from private and international to employer-based, making coinsurance and co-payments enormously variable across products. To support your care, the Employee Assistance Program offers assessment, short-term therapy and referral, all of which are supplied sans co-payment. Managed in-network rehab treatment is typically covered. Their Mental Health/Substance Abuse center advises you on your exact coverage.
Cigna Insurance for sex addiction—love and intimacy disorders rehab is handled on the basis of medical necessity. If your Cigna behavioral health provider refers you to an in-network treatment center, your costs will be diluted, whereas out-of-network providers usually come at the expense of a heavier co-payment. Your application for out-of-network coverage does demand a little paperwork from you. However, the Behavioral Health Services segment of the company will point you to nationwide programs at a moment’s notice: the emergency room is always ready to speak to distressed patients.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Cigna Insurance for sex addiction—love and intimacy disorders rehab covers varying degrees of treatment, but the Affordable Care Act ensures that you receive coverage for a high standard of care if your specific plan includes it."
Love and intimacy disorder patients often go into treatment without any whisper of awareness that there may be a withdrawal process. This is certainly an aspect to consider when making the decision between in and outpatient therapy. Rob Weiss, a sexual addiction specialist, suggests that the symptoms may arise because love addicts are hooked on the neurochemicals produced by their obsessions. Withdrawal can be most potent during the first two weeks, during which anxiety, insomnia and depression may occur. The other facet influencing your choice of rehab is the treatment model that is most appropriate for you. There is no standard of treatment and little demonstrated efficacy in rigorous peer-reviewed trials, but a few therapies are frequently relied upon. These are cognitive behavioral therapy, the disease model in matrix centers and psychodynamic therapy. By far the most imperative determinant of your choice of rehab is the scrupulous honesty you offer during your assessment, as this is what will identify your unique clutch of psychiatric and psychological disorders, which are the basis of your treatment.
Coverage for Local Rehab and Out-of-State Treatment
The question of coverage for out-of-state treatment becomes increasingly complex when the territory of process addictions is breached. Your maximum allowable coverage will be provided when medically necessary, yet love and intimacy disorders do not necessarily play out in the same way in all patients. It can thus be a challenge to locate a facility that supports an integrative selection of medical and psychological healthcare. This may make out-of-state treatment a medical necessity, where the sparsity of specialized behavioral health workers demands it. Cigna must provide coverage for treatment consistent with your diagnosis, while catering for your convenience and comfort.
Private and Luxury Treatment Coverage
Cigna insurance for sex addiction treatment is secured to a stringent and exhaustive outline of medical necessity criteria that should make it simpler for you to find medical motivation for the treatment you require. Prudent medical judgement determines whether you are covered for a particular treatment, which must provide for your medical needs, in keeping with your precise diagnosis, with evidence-based treatment as a framework. Unfortunately, luscious dining and designer swimming pools are unlikely to find their way onto that list, but private care certainly is. In rare circumstances, luxury centers do offer certain types of exclusive care that could be deemed a medical necessity. Alternatively, you may cover increased co-pays for out-of-network luxury.
What Does Executive Treatment Offer Over Other Rehabs?
If you have a high profile or demanding career, one of your direst concerns is probably the sensitivity of staff to your anonymity and their capacity to offer you corporate tools when duty calls. Executive rehab centers keep your ecosystem serene while simultaneously allowing you to receive treatment with your white collar peers. With group therapy adding a significant amount of efficacy to treatment, interaction with patients you identify with is core to outcome.
Treatment Lengths Coverage
“The duration of maintenance care services immediately following a primary treatment episode has a very marked and significant influence on outcome,” says Brown University addiction researcher, Norman Hoffman. Cigna’s mental health and addiction policy revolves around delivering care that is coordinated across treatment settings and times to draw out the highest possible chance of long term recovery. While sex and love addiction have not found their way into the DSM-V, intimacy disorders are classified under interpersonal personality disorders, which may lay a foundation for receiving authorization for medically necessary 60 and 90 day treatment coverage.
What If I Have No Insurance?
Money should not be allowed to draw a line between you and recovery. If you have no insurance, you may be able to secure pro bono psychiatric and psychological treatment by contacting individual therapists. There are 12 step groups that offer a comprehensive range of behavioral approaches to recovery. You may also qualify for federally funded Medicaid, private financing, or a rehab scholarship. Love and intimacy disorders are rooted in repressed, denied and dissociated parts of your psyche, creating a pain spiral that circles into itself to recreate more chaos as it progresses. End the cycle by calling Cigna to plan your treatment at 1-888-341-7785.
Questions and Answers
- Will Cigna Cover Multiple Rehab Stays?
- Does Insurance Pay for Aftercare?
- Could Rehab Make My Insurance Premiums Higher?
- Has the Affordable Care Act (Obamacare) Affected Sex Addiction and Mental Health Insurance Coverage?
Cigna insurance coverage for sex addiction rehab/treatment offers benefits on a per-plan basis, according to medical necessity. If there is doubt about the length of treatment you are covered for and you expect long term care, it is possible to take out a transitional plan that covers continued care.
If all components of Cigna’s medical necessity definition are met, coverage will be given for both aftercare and transitional residential treatment.
Cigna’s premiums rise annually, and cannot be subject to increases for rehab that are any higher than those typical to other medical treatments.
Obamacare has passed legislation that forces health insurers to cover basic sexual health counselling, as well as addiction and mental health treatment. This opens the door to high-quality care under your plan, while the simultaneous expansion of federally funded Medicaid eligibility terms improves treatment for those who qualify without plans.