Cigna insurance considers itself more than a health insurance provider. The company believes in providing coverage for care that improves a person’s total body and mind. It is a global service company with a mission to improve the overall health and wellness of clients. Over 95 million people worldwide utilize Cigna insurance. This insurance company offers coverage for a variety of treatments, including substance abuse and addiction treatment.
Cigna Drug & Alcohol Rehab Coverage Options
Pre-Authorization
The amount of coverage that a client receives for treatment in a drug misuse center depends on his or her individual plan. If a person is seeking treatment for a substance abuse problem, pre-authorization is required. Cigna must determine that the treatment is medically necessary. If a person does not receive pre-authorization, he or she may be responsible to pay out of pocket for the entire amount.
Deductibles & Copayments
Oftentimes, an individual is required to meet a deductible or to submit a copayment. This is a set amount that is paid for received services. A deductible is the price paid out of pocket until Cigna pays for service.
In-Network Providers & Coverage
Choosing treatment for drug misuse issues from an in-network provider helps to keep the cost down. In general, in-network providers negotiate a price for service with the insurance company. These are usually lower than for a person without insurance or for a person with an out-of-network provider.
Cigna provides an employee assistance program that gives a person access to licensed professionals who can help with substance misuse issues. This option is available for certain plans that are bought through an employer. Individuals are allowed to meet face-to-face with a counselor or to speak through another platform of communication.
