For many, having health insurance is having peace of mind. Knowing that you have full or at least substantial coverage for your health-related issues makes your recovery from those issues much easier. What if you need Northern California inpatient rehab for a drug and alcohol addiction? If so, what does your insurance cover, and what may you have to pay out of your pocket to get the services you need? What if the inpatient rehab program you need is out of network? The questions and uncertainty you have regarding insurance coverage can create considerable anxiety.

 

If you have Cigna insurance, you have addiction coverage, but knowing what actually is covered can mean the difference between finding the program that fits your needs and one that you may not complete. This article will discuss whether insurance covers addiction treatment programs and does Cigna covers inpatient rehab. You will also learn how to verify benefits for your Cigna inpatient rehab and how to find Cigna alcohol rehab centers that will give you the help you need to get and stay sober.

 

Does Insurance Cover Drug Rehab Programs?

When it comes to the question of whether insurance covers drug rehab, the simple answer is yes. Thanks to provisions in the Affordable Care Act (ACA), substance abuse treatment is considered an essential service that must be covered by health insurance. This obviously includes substance abuse treatment, but it also includes mental health treatment. This is crucial if you have a dual diagnosis where you have a co-occurring mental illness and a substance abuse issue.

 

You can get Cigna insurance in two ways. The first way is through your employer after a standard probationary period. The second way is finding a plan through the Health Exchange. However, it is important to note that Cigna inpatient rehab insurance may not be available in all states. Be sure to check eligibility first.

 

Does Cigna Cover Inpatient Rehab?

If you have Cigna insurance and need to find a rehab, the first question you will ask is does Cigna cover inpatient rehab? Cigna does cover inpatient rehab, but the amount of coverage you receive depends on the level of plan you have and if the Cigna rehab you are considering is in or out-of-network. In general, your Cigna alcohol treatment insurance will cover detoxification services, programs related to drug and alcohol rehab (therapy, 12-step groups, life skills training, aftercare), case management, and other services.

 

Cigna rehab insurance can be found at different levels. Each level determines what your plan pays and what you may pay out of pocket. If you are on a bronze plan, you will, on average, pay 40 percent of costs while the insurance pays 60 percent. For a higher-level plan like a gold plan, you will, on average, pay only 20 percent for services while Cigna pays the rest. Regarding co-pays and deductibles, you will generally pay a higher deductible and co-pay for a lower-tier plan, while a higher-tier plan would feature lower deductible and co-pays. It is important to note that the higher tier Cigna alcohol treatment plans will cost more in monthly premiums when compared to the more basic insurance packages.

 

It is important that you find Cigna alcohol rehab centers that are in-network. In-network rehabs provide the most comprehensive benefits and lower co-pays and deductibles. Some programs and services may be covered in full if you choose an in-network Cigna rehab. If you choose an out-of-network rehab, it usually increases your out-of-pocket expenses. Also, you may have to pay for services in full out of pocket. Additionally, you may be more likely to get treatment pre-certified if you choose an out-of-network drug rehab.

 

How to Verify Cigna Insurance Coverage Policy for Rehab

To verify your insurance coverage for a Cigna inpatient rehab, you can do so in a couple of ways. The easiest way is to review your plan brochure to determine coverage. If you have questions, call the number on your insurance card so you can speak to an agent. This will give you a better idea of the services that you need and how they will be covered. You can also talk to the admissions department at the prospective rehab. They will review your particular Cigna alcohol treatment coverage and give you an estimate of treatment costs, what is covered, and what you will need to pay out of pocket for your program.

 

How to Find a Cigna Alcohol Rehab Center in Northern California

Finding a Cigna alcohol rehab center in Northern California can be a complicated process. Many rehabs work with Cigna insurance and provide excellent programs and services, but are they right for you? The Northern California treatment programs at Singing Trees Recovery are extensively researched and tested and are proven to work. Since your needs are unique, our dedicated and experienced staff will work with you to design a program that perfectly fits your needs throughout the treatment process.

Don’t wait another day to change your life for the better. Call Singing Trees Recovery today.


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