When you or a loved one decides that it is time to get help for a drug misuse problem, it is important to select a facility that provides effective inpatient or outpatient treatment programs that cater to the individual’s specific needs. Along with professional services that provide compassionate support, a treatment center’s ability to work with insurance plans can make the burden and cost of treatment much easier to bear!
At Harmony Place, we work directly with many insurance companies to ensure that you receive the help you need. Cigna insurance coverage is just one possible way to pay for treatment at our drug and alcohol treatment facility. Our team works to provide you with all the information you need regarding payment for rehab at our facility. Here is a closer look at Cigna’s coverage for drug abuse and substance abuse treatment:
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.
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.
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.
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.
Although each Cigna plan varies, the insurance provider may cover a multitude of treatments that involve substance misuse issues, including inpatient and outpatient treatment. Additional addiction treatment covered by Cigna includes:
Depending on your plan, the below-listed services may be covered by your Cigna insurance! Unsure what your insurance covers? Call and ask your provider!
With inpatient treatment (or residential treatment), a person lives at the rehabilitation facility while receiving support for substance abuse and mental health. This program includes a variety of therapies like counseling, medical supervision, and group meetings. In other words, inpatient addiction treatment is a solid option for a person who requires a safe environment while recovering from a substance misuse disorder.
This is often the best treatment option for those suffering from a severe addiction. Usually, inpatient treatment lasts between one and six weeks.
A PHP meets five days a week for a large portion of the day. It lets a person receive treatment while living at home. In fact, it is a smart option for an individual who battles a severe substance misuse disorder but can safely remain outside of a clinic during treatment.
Typically, an intensive outpatient program entails meetings three days a week for at least 10 hours a day. Sessions may include individual counseling and group therapy.
Outpatient treatment occurs in hospital settings, mental health clinics, and therapist offices. Usually, the sessions are scheduled once or twice each week. In general, this form of treatment allows a person to continue living at home while receiving treatment for addiction.
At Harmony Place, we offer patients a safe and comfortable environment to heal and pursue long-term recovery. We offer individualized care at a variety of treatment levels to ensure you or your loved one is getting the help you need.
In addition to professional care, Harmony Place is committed to working with a wide range of insurance companies, including Cigna. For more information about our facility or about the exact insurance that we accept, contact us today.