(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by Cigna.)
"Whether coverage is available also depends on the severity of the addiction, which is often measured through a physical and mental examination provided by a doctor."
The answer to this question is not always a simple yes or no. Health-care plans vary, and people often have different levels of coverage. In some cases, one detox center may be covered, while another location is not. Whether coverage is available also depends on the severity of the addiction, which is often measured through a physical and mental examination provided by a doctor. This will help the insurance company to make a more informed decision.
Does Cigna Cover Rehab?
Going to a rehabilitation facility is usually the next step after going through detox. Rehabilitation teaches strategies for living clean and how to avoid using drugs or alcohol in the future. Many different types of rehab centers are available, and depending on the health plan, Cigna may or may not cover the treatment. It is important to discuss this topic with a trusted source in order to get the most accurate information available.
Addiction Treatment Length Cigna Will Cover
Your Cigna insurance policy may allow you to go to a private rehab center. Private rehab centers are typically less crowded and offer better care than public facilities. However, both are confidential and discreet. According to Pavillon, the length of your stay will primarily depend on the severity of the addiction. The duration can range from weeks to months, depending on what the counselor and the patient decide.
Specialty Alcohol and Drug Treatment Through Cigna
Depending on your coverage, it may be possible to go to a specialty center that allows you to learn how to beat addiction while enjoying exclusive amenities. Many people imagine rehab as being dull and lifeless; however, it is possible to add an element of luxury. For those who have busy lives and are heavily invested in their work, another option is available as well. Known as executive rehab centers, these places cater to the needs and demands of CEOs and celebrities, according to rehabs.com. These people need to be able to interact with their clients and stay committed to their work duties while going through treatment.
Insurance for Inpatient Addiction Treatment vs. Outpatient
"Depending on how serious the addiction is, the patient will need to decide whether to go to an inpatient treatment center or an outpatient treatment center."
Depending on how serious the addiction is, the patient will need to decide whether to go to an inpatient treatment center or an outpatient treatment center. An inpatient facility features a residential area where patients live for a period of time. This allows them to completely focus on beating the addiction and is recommended for serious, long-term problems. An outpatient facility only requires the patient to participate for a number of hours and then allows them to leave. This is more suited for people with less serious, short-term addictions.
How to Cover What Insurance Won't
If your insurance won't cover rehab or will only pay a partial amount, it is possible to set up a payment plan at many facilities. In addition, many government-funded programs help people get the treatment they need even if they can't afford it.
Verifying Coverage and Finding the Best Treatment
All this information can be overwhelming, especially if you or someone you know is currently suffering through an addiction. However, knowledgeable advisors are available who will be happy to help verify insurance coverage and find the best treatment for you. Simply call your insurance provider and ask an informed representative about the details of your individual plan.