Anything in excess can cause undesired effects. Substance abuse is an example of how taking something in excess can negatively affect our lives. Addiction is, without a doubt, a crisis that many in the world are facing. It can cause behavioral changes, impacting the quality of an individual’s lifestyle. Or worse, it can even lead to death.
Treatments to battle against addiction give hope to those who suffer under its spell. But with advanced treatments come with a price which many may not be able to afford.
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Cigna Insurance Rehab Program Coverage
Cigna Insurance has a program for those who want to fight addiction and substance abuse. Cigna collaborates with organizations that seek to assist people suffering from substance abuse. They have also created a Behavioral Health division that focuses its services and projects on treating and creating awareness on many disorders. These disorders include those that affect a person’s behavior such as substance abuse.
Their insurance coverage for addiction treatment varies based on an individual’s plan. Their services may consist of:
Drug and alcohol rehabilitation
Detoxification
Counseling for addiction treatment
All of Cigna’s plans cover inpatient and outpatient services. Patients can choose inpatient treatment to receive therapy during the days and nights that they can spend within the hospital or facility. Outpatient treatment is advised For those who don’t want to take a leave of absence from work and can avoid drugs and alcohol on their own.
Cigna Inpatient Care
Cigna covers the following inpatient addiction treatment programs:
Acute Inpatient Substance and Drug Detoxification
Inpatient Treatment for Substance and Drug Disorder
Partial Hospitalization for Substance and Drug Disorder
For inpatient rehab coverage, the estimates are as follows:
Bronze Plan – 0 percent coinsurance for in-network providers. Cigna will only cover the costs after the patient pays their plan’s deductible in full. Plan may not cover out-of-network services
Silver Plan – 30 to 50 percent coinsurance for in-network programs after the plan’s deductible is settled. Out-of-network service coverage will depend on the state where the patient lives.
Gold Plan – 20 to 50 percent coinsurance for in-network programs after the plan’s deductible. Out-of-network service coverage will depend on the state where the patient lives.
Platinum Plan – 10 to 30 percent coinsurance after the plan’s deductible is met. Out-of-network programs may have higher coinsurance percentage.
Cigna Outpatient Care
For outpatient treatment, rehab services for Cigna patients may include the following:
Individual, family, and group therapy
Intensive Outpatient Treatment
Substance and Drug Detoxification Medication Management
Anti-Craving Medication Management
Outpatient coverage estimates for each plan are as follows:
- Bronze Plan -0 to 50 percent coinsurance, depending on the state where the patient resides in. Out-of-network may not be covered in these plans.
- Silver Plan – In-network outpatient services may have coinsurance percentage or may have copay for every visit. Out-of-network may not be covered in these plans.
- Gold Plan – There may be a small coinsurance percentage or copay per visit, depending on the service provider. Out-of-network may not be covered in these plans.
- Platinum Plan – For in-network providers, there may be a minimal coinsurance or copay required. Coinsurance rates may be higher for out-of-network services.
The costs of addiction treatment may have patients thinking twice about getting them. Like many health and mental conditions, it’s best to focus on our well-being and get necessary treatment. This will not only serve us but will also give peace of mind to our loved ones. RehabNear.me wants you to live the life you want. Free from addiction.
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