Home » Rehab Insurance Coverage » Cigna Insurance Information for Drug Rehab
This guide highlights how you can start your recovery from addiction at Gratitude Lodge.
We offer inpatient and outpatient treatment programs for all types of addictions, mental health disorders, and co-occurring disorders (addictions with co-occurring mental health conditions). Most health insurance providers will at least partially cover the cost of addiction treatment, including drug rehab Cigna with insurance coverage.
Here is what you can expect if you kickstart your recovery at Gratitude Lodge in Newport Beach, Long Beach, or San Diego:
Treatment for addiction is covered by most PPO insurance providers, including Cigna.
Today’s guide will help you determine if you have the best health insurance for drug rehab. You will also learn how you can connect with treatment facilities in Southern California that accept insurance for addiction treatment.
Does Health Insurance Cover Drug Rehab?
Many people exploring the concept of addiction recovery ask the following questions:
“What is the best insurance for drug rehab” and “Does insurance cover rehab.”
Broadly, most health insurance plans will meet at least partial costs of addiction treatment, both for alcoholism (alcohol use disorder) and drug addiction (substance use disorder). Addiction is an incurable, chronic, and relapsing brain condition that should be treated in much the same way as other chronic health conditions requiring ongoing treatment.
There are many factors that help determine whether a health insurance plan will extend coverage for the treatment of drug addiction or alcoholism.
Beyond this, you will need to find a treatment center like Gratitude Lodge that is happy to work with health insurance providers like Cigna.
If you require services that fall outside the coverage of your plan, you could consider private pay to ensure that you get the appropriate level of care for your needs.
Does Cigna insurance cover drug rehab and alcohol rehab, then?
At Gratitude Lodge, we strongly believe that nobody should be denied access to addiction treatment. To improve treatment accessibility, we will happily work with most insurance providers, enabling you to cover the costs of the treatment you need regardless of your financial circumstances.
Cigna health insurance should cover at least some of the costs of rehab for alcoholism. If you are diagnosed with AUD (alcohol use disorder), you will be eligible for Cigna coverage at treatment centers like Gratitude Lodge. Rehab coverage with Cigna will hinge on the specifics of your plan.
Whether you need inpatient or intensive outpatient treatment for alcoholism, connect with Gratitude Lodge to discuss your Cigna coverage by calling (888) 861-1658.
Most Cigna health plans will provide the following coverage associated with drug addiction treatment:
Cigna health plans typically only cover the costs of a supervised medical detox if this is deemed vital for your recovery.
Some Cigna plans allow you to choose out-of-network carriers for addiction treatment. Opting for Gratitude Lodge or other in-network providers will be a more cost-effective route to recovery.
To learn more about drug addiction treatment at Gratitude Lodge, contact the team by calling (888) 861-1658.
In 2010, the passing of the Affordable Care Act had three main goals:
Widening access to quality and affordable health insurance.
Expanding the Medicaid program.
Promoting new ways of delivering clinical care, further reducing overall healthcare costs.
After 2014, all new individual or group insurance plans were compelled to provide coverage for ten essential health benefits. Addiction treatment and mental health treatment are both deemed essential health benefits.
The ACA also obliges insurers to provide similar health plan coverage to the coverage offered for surgical care and general medical care.
You might find that your health insurance plan covers the cost of outpatient treatment, or it may extent to the coverage of inpatient treatment, or other treatment services typically associated with addiction – detoxification, for example.
Speak with your insurer as well as any rehabs on your shortlist to identify the specifics of coverage.
Check the details of your health insurance policy. Call your insurer and inquire about the extent and scope of addiction treatment your policy covers, as well as any out-of-pocket costs and exclusions. This will streamline your comparison of rehab centers and treatment programs.
Private health plans with the best addiction treatment coverage usually cost more. These insurance providers offer at least partial coverage for the costs of addiction treatment:
Even though health insurers must meet the costs of treatment for drug addiction or alcoholism, benefits will vary from plan to plan and from insurer to insurer.
That said, most health insurance plans offer these types of coverage:
Some health insurance plans may also meet the costs of:
What Rehab Services Are Not Covered by Health Insurance?
Not all insurance plans will meet the costs of inpatient rehab.
Unless a service is deemed medically essential, health insurance does not usually provide coverage, regardless of whether the intervention could be beneficial.
The following services are not normally covered by health insurance either:
Verify that your health plan covers the cost of addiction treatment.
Next, find out the extent of your treatment needs. Most rehabs will require you to attend an initial assessment so they can personalize a treatment plan according to your needs and the severity of your drug addiction or alcoholism.
You should establish that the rehab in question accepts health insurance. Next, check that your insurance carrier will meet the cost of this treatment.
You can then work directly with the treatment center like Gratitude Lodge.
Check your insurance coverage eligibility.
Call Gratitude Lodge today at (888) 861-1658