What Kind of Coverage Does Cigna Insurance Offer for Internet Addiction?
Cigna insurance plans can be purchased in states like California and Texas to protect against poor health. Like most other insurance companies, Cigna Insurance is always updating the list of services and medical conditions. This is to ensure that as new diseases and disorders are created, their customers can receive the ideal level of care. With regards to Internet addiction rehab/treatment, the information needed will be in the summary benefit package which is provided by Cigna insurance.
Type of Rehabs
Cigna insurance coverage for Internet addiction rehab/treatment varies and is based on many factors like health and age. Here are some of the Internet addiction treatments that are available:
- Outpatient drug rehab
- Residential long-term rehab
The Cost of Rehab
Cigna insurance coverage for Internet addiction rehab/treatment varies due to policy and some health factors. You may see that there are some limitations and exceptions to your health insurance plan. The cost of rehab is still an out of pocket cost. There may be a plan that does pay 100 percent.
Paying Above What My Insurance Will Provide to Receive Treatment
Each year, Cigna insurance coverage for Internet addiction treatment continues to add more options and health benefits. With any Internet addiction treatment, some rehab centers allow a variety of payment plans. Although Cigna is not a rehab center, it may have information to help you make a decision. Depending on the health insurance plan, Cigna offers partial to full coverage. In some cases there is also a co-payment.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Each year, Cigna insurance coverage for Internet addiction treatment continues to add more options and health benefits. With any Internet addiction treatment, some rehab centers allow a variety of payment plans"
Recovery.org states that Inpatient addiction treatment allows a medical professional to monitor a patient’s vital signs during the stay. Where inpatient addiction therapy and outpatient therapy differ is outpatient therapy does not include hospitalization. In outpatient therapy, Cigna supports health and wellness during withdrawal. Internet addiction rehab/treatment may not need inpatient addiction treatment. With this type of addiction, there will be treatment techniques that differ from say substance abuse.
Choosing a Residential Rehab Center
Review your Cigna Insurance summary benefits package to determine the type of Internet addiction treatment you need. Once you know what treatments are covered, you can determine the options available to you. When consulting with a residential rehab center, ask about the inpatient versus outpatient treatment. It is important to note that not all rehab centers cover Internet 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. There are key difference between out-of-state treatment and local rehab. The copay and coinsurance may change each year as Cigna updates their plans to reflect the needs of their customers. Like most insurance companies, Cigna has a network of providers that provided only some services.
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 Internet addiction rehab. Every year that Cigna Insurance changes the plans and depending on your premium, you may be able to use your Cigna Insurance for Internet addiction treatment. Cigna also updates their participating providers so that customers and feel like that they can make the best choice.
Executive Treatment Offer Over Other Rehabs
Cigna insurance for Internet addiction rehab/treatment can be used towards executive treatment. This type of treatment is typically utilized by CEOs and celebrity types but is available anyone who can afford it.
Treatment Lengths Will Cigna Pay For
There are 3 types of residential programs available:
- 90 Day Residential Programs
- 60 Day Residential Programs
- 28-30 Day Residential Programs
With residential treatment for an Internet addiction you choose the length of stay. For individuals who have more than one addiction, a 90-day residential can be the better choice. The length of the psychotherapy analysis will determine the level of treatment needed. For those who may need inpatient and outpatient treatment, a 60-day program may be right for you. Cigna Insurance coverage for Internet addiction/rehab may cover all three plans depending on the plan you have.
There are a number of options available depending on the benefit summary on your health insurance plan. Through Cigna Insurance coverage for Internet addiction, you should review the website to find out what your health insurance plan through Cigna entails. Group plans have different benefits than individual health insurance plans and vice versa. 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 to you.
Using Our Helpline to Determine Cigna Insurance Rehab Options
Finding the right rehab or treatment program can be the most important decision you make for your recovery. If you feel that you are in need of an Internet addiction rehab/treatment, call us today for more information at 1-888-341-7785.
Questions and Answers
- What If I Have No Insurance?
Many rehab centers that are a part of the Cigna participating network that treat for a Internet 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.
- 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 still growing and with time substance abuse and mental health will become a part of the benefits offered. Obamacare continues to be challenged by politicians on behalf of Americans. There is no major effect since Obamacare has come into play.