If you have an insurance plan through Cigna, then you may not have to pay for the full costs of rehab on your own. But in order to figure out what your costs will be, you’re going to need some more information.
We’ve put together this article to help you figure it out. Keep reading to learn everything that you need to know about your substance abuse treatment coverage and Cigna.
What is Cigna?
Cigna is one of the largest healthcare companies in the world – with more than 86 million customers. The company offers a wide variety of plans, which range from bronze to platinum.
Does Cigna offer coverage for rehab?
Yes, every Cigna health insurance plan includes at least some coverage for rehab. Depending on the plan that you have, you may also have coverage for substance abuse treatment options like:
- Intensive outpatient care
- Partial hospitalization programs
- Medication-assisted treatment (MAT)
- Medical detox
- Co-occurring disorder treatment
- And more
How much will treatment cost with Cigna insurance?
The amount that you pay for rehab depends on the level of your health insurance plan through Cigna.
For example, bronze plans typically have 0% coinsurance, which means you need to pay the full deductible amount before receiving coverage.
But platinum plans can offer as little as 10 to 30% coinsurance. This means that you don’t have to pay the full amount of your deductible before receiving coverage. You just have to pay 10 to 30% of it.
Cigna also offers gold and silver plans. Your coinsurance amount for these can range from about 20% to 50% and will depend on the exact plan that you have.
Do treatment centers need to be in Cigna’s network?
Many insurance companies use a network-based coverage model. This essentially means that, if you want to get full coverage for substance abuse treatment, you need to go to a treatment center that is in Cigna’s network.
However, it’s still possible to choose a treatment center that isn’t in Cigna’s network. You just won’t have as much coverage for it.
The exact level of coverage that you have for out-of-network providers depends on the plan that you have.
Bronze plans may not provide any coverage for out-of-network treatment centers. But platinum plans may offer the same level of coverage that you have for in-network treatment options but with a slightly higher co-insurance amount.
Will my employer know if I use my Cigna insurance for rehab?
Many Americans get their insurance through their employers. So you may be worried about your employer finding out that you’re going to rehab.
However, this isn’t something that you need to be concerned about. Cigna legally can’t tell your employer that you’re in rehab without first receiving your express written consent to do that.
So as long as you don’t give Cigna that authority, then you don’t have anything to worry about.
How to learn more about your substance abuse treatment coverage through Cigna
If you’re looking for a specific dollar amount that you would need to pay to go to rehab with your Cigna plan, consider reaching out to The House of the Rising Son.
Our addiction specialists are standing by to verify your insurance. Just tell us what plan you have and we’ll do the rest. In no time, you could have a personalized quote for how much you would pay to go to rehab.
We can even work with you to come up with a plan that fits into your budget while also satisfying your treatment goals.
So why wait? You can begin the process by reaching out to us today.