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 treatment programs. Also, it is important to uncover the insurance plans that these facilities accept. Cigna insurance coverage is just one possible way to pay for treatment. At Harmony Place, we accept Cigna drug rehab coverage options. Our team works to provide you all the information you need regarding payment for rehab at our facility. Here is a closer look at Cigna drug rehab coverage.
What is Cigna Insurance?
Notably, 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. It offers coverage for a variety of treatments, including substance misuse.
Cigna Drug Rehab Coverage
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 misuse problem, pre-authorization is required. In other words, 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 and Copayments
Also, a person may be forced 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 Employee Assistance Program for Drug Misuse
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.
What Does Cigna Insurance Cover?
Although each Cigna plan varies, the insurance provider may cover a multitude of treatments that involve substance misuse issues.
- Inpatient rehabilitation
- Outpatient rehabilitation
- Partial hospitalization programs
- Mental health treatment and co-occurring disorder services
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.
Intensive Outpatient Program (IOP)
Partial Hospitalization Program (PHP)
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.
Cigna Insurance Coverage for Inpatient Services
With inpatient treatment, a person lives at the rehabilitation facility while receiving help. A program of this type 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. Also, it is can be the best treatment option for those who are dealing with addiction and mental health disorders at the same time. Usually, inpatient treatment lasts between one and six weeks.
What Types of Drug Addiction Treatment Does Cigna Cover?
Most Cigna plans cover treatment for the most common drugs that lead to misuse problems.
Types of Cigna Drug Rehab Plans
Cigna has plans for singles, families, and employees. It has HMO plans, EPO plans, and PPO plans. In general, whatever plan a person chooses, it is important to understand the best coverage for his or her budget. Also, it is key to understand what comes with a less expensive plan. For example, a person who selects the least expensive “bronze” plan receives low premiums, but he or she may experience high deductibles and high out-of-pocket expenses.
Cigna Drug Rehab Coverage: Seeking Help from Harmony Place
At Harmony Place, we offer patients a safe and comfortable environment in our Woodland Hills facility. In fact, we provide a large number of treatment options for people who are facing debilitating substance misuse disorders. Our goal is to help individuals get back on a sober path. Indeed, we accept a variety of insurances, including Cigna.
To understand the treatment coverage options of your policy, you may find it best to contact your insurance provider. For more information about our facility or about the exact insurance that we accept, contact us today. With us, you can take one step closer to recovery.