Did You Know?
According to the National Institute on Drug Abuse, inpatient treatment for substance abuse problems can cost up to $60,000 without insurance coverage.
Medical professionals agree that substance use inpatient and outpatient treatment is a medical necessity, either through residential care or outpatient services. This is why Gloria Rehab is happy to work directly with your insurance company to ensure they provide coverage for your drug and alcohol rehabilitation today.
What is Cigna Drug Rehab Healthcare?
Cigna and its parent companies have been providing insurance products since 1792. Today, Cigna is a global health insurance provider that is active in 30 countries and serves over 86 million customers worldwide.
Cigna rehab coverage for inpatient or outpatient treatment for substance abuse falls into several main categories. The main difference between each type of coverage is the out-of-network or in-network providers. In-network care means the healthcare provider has an established relationship with the insurance company and therefore has agreed on fixed costs of care. Out-of-network is the opposite. Here are the type of Cigna plans you might have:
Health Maintenance Organization (HMO)
HMO insurance policies limit the type of care and doctors that will be covered to a very specific network. This means your insurance plan requires you receive a referral from your primary care physician for any specialist care. You will also most likely have to pay for out-of-network care.
Exclusive Provider Organization (EPO)
An EPO plan allows patients to have more flexibility in selecting a doctor or facility for healthcare needs. However, out-of-network costs can still be high.
Preferred Provider Organization (PPO)
PPO policies will offer more coverage for out-of-network specialists without prior approval for care, but you will still receive the best support from insurance providers for in-network care.
Open Access Plan (OAP)
While similar to a PPO plan, an OAP plan has the largest network of providers. OAP plans also permit you to pay additional costs to go outside of the network. Cigna is also committed to offering individuals seeking treatment and their family members free access to educational resources about substance abuse treatment. This is offered through their Behavioral Health division.
Addiction Treatment Cost
Since the passing of the Affordable Care Act in 2014, health insurance companies are not allowed to charge a premium or deny care for pre-existing conditions. Due to the mental health and substance addiction treatment services required to treat substance use disorders, they are required to be treated as pre-existing mental health conditions.
When searching for a rehab facility, the possibility of paying out-of-pocket for drug or alcohol addiction treatment can seem daunting. But with the help of Cigna insurance coverage, you have even an even greater opportunity to access the addiction treatment providers you need.
Gloria Rehab does not accept Medicaid services for addiction treatment, but state-funded health programs outside of insurance, like Medicare and Medicaid, can also be used to cover basic rehab costs, along with outpatient treatment.
Your preferred addiction treatment facility should work with you to develop a payment plan or seek out other public assistance if your insurance coverage does not include behavioral health care. Money should not be the thing that stands in the way of you receiving the care you need.
Cigna Drug Rehab Coverage For Substance Abuse Treatment
Cigna offers a variety of coverage plans for addiction treatment. The specific behavioral health benefits you receive will depend on where you live and the health plan you choose.
A Cigna health insurance plan will cover some or all of the following medical services offered by Gloria Rehab for substance use disorder:
- Detox services
- Inpatient or residential treatment
- Partial hospitalization program
- Dual diagnosis treatment
- Intensive outpatient treatment sessions
- Outpatient treatment services
You are responsible for knowing what your insurance will pay for before you commit to a specific rehab center. There are a variety of factors that could play into the overall cost of rehab, so verify your insurance at Gloria Rehab today!
Not sure where to start with health insurance companies? Contact us at Gloria Rehab, and we can help you navigate what treatment options are covered by your insurance provider.
