Does Cigna Insurance Cover Treatment for Alcohol Addiction Treatment?
With over 53 percent of the U.S. population reporting a close relative with a drinking a problem, it is no surprise that alcohol addiction treatment is the most sought after. All insurance carriers, including Cigna, cover alcohol addiction treatment because rehab is a method that has been proven to work to help alcoholics avoid relapse and even sustain sobriety. The problem is that how much coverage each carrier offers varies widely. It takes a great deal of effort to figure out exactly what is covered by each carrier and each plan, but it is important to do so to make sure patients find the best coverage for their treatment.
With Cigna insurance coverage for alcohol addiction rehab/treatment, there is a lot of information to process. For one, the company is divided into regional offices that all offer different coverage. On top of that, Cigna offers several plans that all offer different types of coverage for patients.
Type of Rehabs Cigna Will Pay For
Cigna insurance for alcohol addiction treatment covers all traditional forms of rehab that are in-network. This means that any rehab facility that is considered part of the Cigna network will be paid for once you exceed your deductible.
Here are treatments that Cigna coverage usually excludes:
- Over-the-counter medication
- Luxury and Private Treatment Facilities
- Out-of-Network Facilities
- Alternative Healing (things like yoga, massage, acupuncture, etc.)
When you go to research different facilities you want to make sure that not only the facility is covered, but at all forms of treatment it offers are covered by your plan.
How much of the Cost of Rehab is Covered by Cigna?
How much Cigna covers of the rehab treatment depends on what type of plan is selected. With every single insurance plan you have a deductible — this is the amount you pay before the insurance kicks in. Once you are over the deductible, Cigna starts pay a certain percent of cost, but it doesn’t always necessarily mean it covers 100 percent of the cost.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
It is entirely up to the individual how much he wants to pay that is not covered by insurance. Some patients opt for forms of treatments or facilities that are not covered by their insurance at all. The insurance company cannot restrict you on treatment that you pay for out-of-pocket.
Inpatient Addiction Treatment vs. Outpatient Therapy
"With over 53 percent of the U.S. population reporting a close relative with a drinking a problem, it is no surprise that alcohol addiction treatment is the most sought after."
Cigna insurance coverage for alcohol addiction rehab/treatment allows for both inpatient addiction treatment and outpatient treatment, so this should not be a factor when determining which method is best for the individual seeking treatment. Which method of treatment is something best discussed between an individual and their doctor. A lot of different factors determine which method of treatment is better for the patient: the severity of the addiction, the genetics, living conditions and more. Generally inpatient treatment is highly recommended for those with severe addiction who can afford to take the time to spend in this type of facility. Outpatient treatment is designed for those with addiction that can be managed by the individual with occasional supervision and counseling.
Should I Choose a Residential Rehab Center?
Every patient is different, so it is entirely up to the individual and their doctor to pick out a facility and treatment that is best suited to treat the patient. Not every patient can actually take the time away from work or their family to attend residential programs, but sometimes the level of addiction does require this level of treatment.
Will Cigna Pay for Local Rehab and Out-of-State Treatment?
Cigna insurance coverage for alcohol addiction rehab/treatment includes local rehab and out-of-state treatments; the only catch is that the facility needs to be in-network. It is important before committing to any rehab to double check that insurance covers the facility and treatments offered there.
Does Cigna Pay for Private or Luxury Treatment?
No. Cigna does not cover private or luxury treatments because it thinks these treatments are beyond what the average patient needs. This is the case all of carriers, so a patient needs to cover the bill if he wants to attend one of these facilities.
However, it is important to remember just because insurance doesn’t cover a certain alcohol addiction treatment facility, doesn’t mean a patient can’t attend it. It just means that he will have to pay for the treatment out-of-pocket.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is made for individuals who need particular services for their rehab stay. Most of the time public figures and working professionals consider these forms of rehab because they have specific needs for their job.
Some features of executive treatment rehab include:
- Guaranteed Privacy
- Allowances for Making Outside Contact for Work
- Customized Treatment Plans to Match the Specific Career Needs of Clients
- Interaction with Similar Peer Group within the Facility
- Staff Offers Experience and Expertise for Treating Business Professionals and Public Figures
What Treatment Length will Cigna Pay for?
Cigna Insurance for alcohol addiction treatment will pay for whatever length of treatment that is recommended by a medical professional to proficiently treat the patient’s addiction. Usually alcohol addiction treatment runs around one month, but it can last as long as three months or more. The specifics of the treatment depend on the recommendations of the doctor.
What If I Have No Insurance?
There are four viable options for patients without insurance, two of those are for low income individuals and two are for higher income individuals. For lower income patients, they have the options of either applying for Medicare or to attend a public rehab facility. Those who do not qualify as lower income individuals need to wait until enrollment for insurance comes up again or pay for treatment out-of-pocket.
Using Our Helpline to Determine Your Cigna Rehab Options
Does this seem like a lot of information to process for you? Don’t feel bad. Searching for insurance to cover alcohol addiction treatment has a lot of nuances. Let us help you by calling our hot-line at 1-888-341-7785. Our mission is to help individuals navigate the insurance process, so they can focus less on insurance coverage and more on recovery.
Frequently Asked Questions:
- 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 Substance Abuse and Mental Health Insurance Coverage?
Cigna insurance for alcohol addiction rehab Cigna covers as many rehab stays as are recommend by a medical professional.
Yes. Cigna does cover for patient aftercare.
Cigna cannot raise the premiums for patients post-rehab, and it is against the law if it tries.
Since the enactment of the Affordable Care Act, insurance carriers are now required to cover substance abuse addiction treatment.