Cigna Insurance Coverage for Eating Disorders

Last updated on November 4th, 2019

What Kind of Coverage Does Cigna Insurance Offer for Eating Disorders?

Cigna Insurance plans are available in states like Texas, California and Georgia. Like any other insurance companies, Cigna Insurance is always updating the list of services and medical conditions that it offers. In regards to eating disorder treatment, your coverage will be found in the summary benefit package.

Type of Rehabs

Cigna Insurance coverage for eating disorder treatment varies based on state. Some of the treatments that are offered are:

The Cost of Rehab

Cigna insurance coverage for eating disorder 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 eating disorder treatment continues to add more services and options to better their customers. With an eating disorder, some rehab centers allow for partial payment for services. Again this can vary greatly. Cigna is not a rehab or treatment provider and so the information will be obtained from the rehab center. Depending on the health insurance plan, Cigna will cover up to 100 percent of the cost. There may also be a co-pay depending on where the services are offered.

Inpatient Addiction Treatment vs. Outpatient Therapy

“Like any other insurance companies, Cigna Insurance is always updating the list of services and medical conditions that it offers. In regards to eating disorder treatment, your coverage will be found in the summary benefit package.”
Where inpatient addiction therapy and outpatient therapy differ is outpatient therapy does not include hospitalization. In outpatient therapy, Cigna supports psychological and physical care. states that Inpatient addiction treatment allows a medical professional to monitor the patient’s vital signs. By talking with to an eating disorder counselor, you will know what rehab treatment is best for your situation.

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 determine what therapy or treatment will help you come back to sobriety. By asking questions about the types of therapies that are used during the treatment, you will be able to make a sound decision. When consulting with a residential rehab center, ask about the inpatient versus outpatient treatment available through Cigna.

Will Cigna Insurance Pay for Local Rehab and Out-of-State Treatment

Cigna Health Insurance policies vary based on individual and group plans offered. There are also differences based on state and each year the plans change. It may be wise to consult your summary benefit package to understand the differences between local rehab and out-of-state treatment. The co-pay and co-insurance will differ also for local and out-of-state each year. Like most insurance companies, Cigna has a network of providers that allows their customers to choose through many rehab centers.

Cigna Pay for Private or Luxury Treatment

Cigna may pay for private or luxury treatment depending on your preference. In some health insurance plans, a 50 percent co-insurance is offered to pay for the eating disorder treatment. Every year, Cigna Insurance changes the plans to offer better benefits to its customers. Cigna also updates their participating providers so that customers can have more options for treatment.

Executive Treatment Offer Over Other Rehabs

These executive treatment centers are usually offered to CEOs and celebrity types. An executive recovery center offers therapy for those who are professionals. These rehab centers cover standard addictions like drug and alcohol use. As with any most rehab centers, the treatment still encompasses medical and psychotherapeutic methods. Some of the treatments are the same like inpatient and residential.

Treatment Lengths Will Cigna Pay For

There are three types of residential programs available:

  • 28-30 Day Residential Programs (1 Month)
  • 60 Day Residential Programs (2 Months)
  • 90 Day Residential Programs (3 Months)

What residential treatment for an eating disorder you choose depends on the severity. The 90-day 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 60-day residential program is for those who may need both inpatient and outpatient treatment. Depending on the program, a 28-30 Day 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 eating disorder rehab/treatment may cover all three plans depending on your plan.

Other Options

insurance-and-addictionThere are a number of options available depending on the plan and benefit summary. Through Cigna insurance coverage for eating disorder rehab/treatment, you should review the website and talk to a Cigna customer service representative to know what your plan entails as sometimes the summary 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.

Using Our Helpline to Determine Cigna Insurance Rehab Options

Finding the right rehab or treatment program for you is crucial to helping you start your journey toward recovery. If you feel that you are in need of an eating disorder rehab/treatment, call us at 1-888-716-9806 to begin working through your treatment options.

Questions and Answers

  • What If I Have No Insurance?

Many rehab centers that are a part of the Cigna participating network that treat for an eating disorder, 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.

  • Will Cigna Insurance Cover Multiple Stays?

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.

  • Does Insurance Pay for After Care?

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.

  • Could Rehab Make my Insurance Higher?

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.

  • Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?

Obamacare is helping to expand substance abuse and mental health insurance coverage by making it an essential benefit.

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