Cigna Insurance plans can be purchased in states like California and Texas to protect against disease and disorders. Like most other insurance companies, Cigna Insurance is always updating the list of services and medical conditions as new diseases and disorders are created. With regards to video game rehab/treatment, the information needed will be in the summary benefit package provided by Cigna Insurance.
Type of Rehabs
Cigna insurance coverage for video game rehab/treatment varies and is based on many factors. Some of the video game treatments that are available include:
- Outpatient drug rehab
- Residential long-term rehab
The Cost of Rehab
Cigna insurance coverage for video game rehab/treatment varies due to policy and some health factors. Based on the Cigna Insurance California Bronze Standard Plan, mental and behavioral health inpatient services are offered by Cigna’s participating and nonparticipating providers. You may see that there are some limitations and exceptions to your health insurance plan.
Paying Above What My Insurance Will Provide to Receive Treatment
Cigna insurance coverage for video game addiction continues to add more services and options every year. With any video game treatment, some rehab centers will allow for different payment plans. 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. If you desire treatment that is not covered by Cigna, you are permitted to pay above what Cigna offers. This may be necessary since video game addiction is not as established as other disorders, and therefore not as likely to be fully covered by insurance companies.
Inpatient Addiction Treatment vs. Outpatient Therapy
"...Cigna Insurance is always updating the list of services and medical conditions as new diseases and disorders are created. With regards to video game rehab/treatment, the information needed will be in the summary benefit package provided by Cigna Insurance."
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 health and wellness. Video game rehab/treatment may not need inpatient addiction treatment. With this type of addiction, there are some different tactics that may take place that are different from those taken with substance abuse treatment.
Choosing a Residential Rehab Center
Review your Cigna insurance summary benefits package to determine what residential rehab center works best. 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 can make a better decision as each rehab center is different. When consulting with a residential rehab center, ask about the inpatient versus outpatient treatment. Not all rehab centers cover video game addiction.
Will Cigna Insurance Pay for Local Rehab and Out-of-State Treatment
Cigna health insurance policies vary based on many factors. It may be wise to consult your summary benefit package to understand the differences between out-of-state treatment and local rehab. The co-pay and co-insurance may change each year as Cigna updates its plans to reflect what its customers’ needs are. Like most insurance companies, Cigna has a network of providers that are available to provide better services depending on your addiction level.
Cigna Pay for Private or Luxury Treatment
Cigna may offer private or luxury treatment depending on your plan. In some health insurance plans, a 50 percent co-insurance is offered to pay for the video addiction rehab. Cigna insurance changes its plans every year, and depending on your premium, you may qualify for this type of treatment. Cigna also updates their participating providers so that customers can have more options for video game addiction.
Executive Treatment Offer Over Other Rehabs
It is possible that Cigna insurance for video game rehab/treatment may be used toward executive treatment, but it is unlikely to fully cover such treatment. This type of treatment is typically utilized by CEOs and celebrity types but is available to anyone. An executive recovery center offers therapy for those who are professionals and need increased privacy and access to work during recovery.
Treatment Lengths Will Cigna Pay For
There are three types of residential programs available:
For individuals who have more than one addiction, a 90 day residential may be preferred. The length of treatment depends on the assessment during the psychotherapy analysis. For those who may need both inpatient and outpatient treatment, you may want to choose a 60-day program. Cigna insurance coverage for gambling addiction/rehab may cover all three plans, depending on the plan you have.
There are a number of options available depending on the plan and benefit summary. Through Cigna coverage for video game addiction, you should review the website and talk to a Cigna customer service representative to know what your plan entails. Group plans have different benefits than individual health insurance plans. So if you have received your health insurance plan through your employer, you will want to talk to human resources or your supervisor. Each group plan varies by company, so the Cigna Insurance website may not be as helpful.
What If I Have No Insurance
Many rehab centers that are a part of the Cigna participating network that treat for a video game 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.
Using Our Helpline to Determine Your Cigna Rehab Options
Reviewing your Cigna Insurance policy can be daunting, especially when in the throes of a life-consuming addiction. We’re here to help you figure out your Cigna rehab options. Call us at 1-888-341-7785, and we’ll get you started on your road to recovery.
Questions and Answers
- Will Cigna Cover 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?
This depends 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 working to increase substance abuse and mental health insurance coverage by providing options for people without insurance and making this coverage an essential benefit.
Finding the right rehab or treatment program is necessary in order to get the help you need. If you feel that you are in need of a video game addiction treatment, call us today for more information at 1-888-341-7785.