Cigna Insurance Coverage for Opiates/Opioids

Last updated on March 16th, 2021

  • What Kind of Coverage Does Cigna Insurance Offer for Opiates/Opioids Addiction?
  • Inpatient Addiction Treatment vs. Outpatient Therapy
  • Using Our Helpline to Determine Cigna Insurance Rehab Options
  • Questions and Answers

What Kind of Coverage Does Cigna Insurance Offer for Opiates/Opioids Addiction?

opioid 02Cigna offers a variety of health insurance plans for both individuals and families. Some Cigna health insurance plans cover treatment for opiates, better known as opioids. Cigna Insurance plans are available in a limited amount of states including California, Texas, and Georgia. Like any other insurance company, Cigna Insurance is always updating the list of services and medical conditions that it offers. In regards to opioid addiction treatment, it will be outlined in the summary and benefits book.

Type of Rehabs

Opioids addiction rehab treatment varies based on coverage. Some of the general treatment and rehab programs that are supported are:

  • Short-term sober living drug treatment
  • Residential long-term drug rehab
  • Outpatient drug rehab
  • Substance abuse day treatment

The treatment and drug rehab offered to depend on the individual or group plan. The addiction rehab treatment covered also varies from state to state.

The Cost of Rehab

Cigna Insurance coverage for opiates addiction rehab varies based on the policy. Based on the Cigna Insurance California Bronze Standard Plan, mental and behavioral health inpatient services are offered through participating and nonparticipating providers. As with most plans, there are limitations and exceptions.

Through the Cigna Insurance Bronze plan, Cigna offer 30 to 50 percent co-insurance. The co-pay differs between states and individual and group plans. Through the same plan, the co-pay is $60 and this based on using a participating provider. is a subsidiary of American Addiction Centers (AAC), a leading provider in opiates/opioid addiction treatment. AAC is in network with many of the top insurance providers in the U.S. including Cigna. You can check to see if your Cigna insurance covers opiates or opioid treatment here. 

Paying Above What My Insurance Will Provide to Receive Treatment

Cigna Insurance coverage for opiates/opioids addiction treatment continues to add more services and options to better serve their customers. With an opiates addiction, some rehab centers allow for partial payment for services that are covered by the health insurance plan.

As Cigna is not a rehab or treatment provider, the information would have to be obtained from the rehab center itself. As with any coverage, Cigna will cover up to 100 percent of the cost depending on the plan.

Inpatient Addiction Treatment vs. Outpatient Therapy

“Cigna health insurance plans cover treatment for opiates, better known as opioids. Cigna Insurance plans are available in a limited amount of states including California, Texas, and Georgia.”

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.

This type of treatment protects the patient during the withdrawal of drug or substance usage. For most opioids addiction rehab treatment, the addiction is treated through medication. By talking with a drug treatment counselor, you will know what rehab treatment is best for your situation.

Choosing a Residential Rehab Center

The easiest way to choose a rehab center is by reviewing your Cigna insurance summary benefits. Once you know what treatments are covered, it will help you determine what therapy or treatment will be most successful to a road to recovery.

It is important to ask questions about the types of therapies that are used during the treatment. When consulting with a residential rehab center, ask about the length of stay offered and the type of medication used.

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

Cigna health insurance policy varies based on individual and group plans. There are also differences based on state. It is important to consult your summary benefit package to understand the difference in local rehab and out-of-state treatment.

The co-pay and coinsurance will differ also for local and out-of-state. Cigna insurance works with a network of providers to allow their customers the flexibility in choosing a rehab center or treatment.

Cigna Pay for Private or Luxury Treatment

The event that private or luxury treatment is preferred, you will need to see if the rehab center is part of the participating network. In some health insurance plans, a 50 percent co-insurance is offered through summary benefits.

Every year Cigna Insurance changes the plans to offer better benefits to its customers. Cigna also updates their participating providers to give their customers more options.

Executive Treatment Offer Over Other Rehabs

An executive recovery center offers therapy for those who are professionals. As with any most rehab centers, the treatment still encompasses medical and psychotherapeutic methods.

These rehab centers cover standard addictions like drug and alcohol use. These executive treatment centers are usually offered to CEOs and celebrity types. Some of the treatments are the same as inpatient and residential.

Treatment Lengths Will Cigna Pay For

There are 3 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 Opiates addiction you choose depends on the severity. Depending on the program, a 28-30 day residential treatment may be ideal. The length of treatment depends on the assessment during the psychotherapy analysis. The 60-day residential program is for those whose addiction may require extra time.

The 90-day residential treatment may be for individuals who have more than one addiction. It does not need to be substance. It can be both mental and behavioral. Cigna Insurance coverage for opiates/opioids addiction rehab may cover all three plans depending on the individual or group plans.

Other Options

There are a number of options available depending on the plan and benefits summary. Through Cigna Insurance coverage for opiates/opioids addiction rehab, 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 most important to your road to recovery. If you feel that you are in need of opioid addiction rehab treatment, call your insurance company today to find a program that is best for you.

Questions and Answers

    • What If I Have No Insurance?

Many rehab centers that are a part of the Cigna participating network that treat for opiates 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.

(Please note: 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. is an informational site only and is not affiliated or sponsored by Cigna.)

Verify Your Benefits at an American Addiction Centers Facility

The cost of alcohol or drug addiction treatment may appear to be an obstacle, but we are here to help. Insurance may cover all or some of your rehab.

Find out if your insurance covers long-term addiction rehabilitation.

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