Finding the right treatment center for yourself or a loved one can be an incredibly frustrating, difficult, and confusing process. Securing financing and navigating the world of health insurance can be just as difficult. As most people are aware, top-notch treatment centers don’t come cheap. That’s why having reliable health insurance is so important in times of need. Having coverage from a company such as Cigna, should make finding and paying for addiction treatment an easier process.
Does Cigna Cover Drug Rehab?
Not all health insurance is made equal when it comes to treatment for drug and alcohol addiction. You may be wondering “will my Cigna insurance cover drug rehab?” The good news is that Cigna will generally cover some, if not, all of the cost of treatment. The amount of coverage you will get depends on your individual plan and coverage. Certain plans will cover the entire cost of treatment. Most commonly with Cigna, your plan should cover approximately 80 percent of treatment, however, there are plans that can cover much less. The percentage of treatment not covered by Cigna will have to be paid out-of-pocket.
Does Cigna Cover Alcohol Rehab?
If you’re struggling with alcoholism and need help to stop drinking, you’ll want to know if Cigna covers alcohol abuse treatment. Cigna makes no differentiation between substances of abuse, meaning that you will be covered. Again, coverage will depend on many factors including your specific plan and circumstances.
Will Cigna Cover Inpatient Treatment?
Inpatient treatment is covered by Cigna depending on medical necessity. That is to say, less restrictive forms of treatment will not suffice, and inpatient treatment is the most appropriate medical intervention. The easiest way to determine if your benefits cover inpatient treatment is to call Royal Life Centers. One of our addiction specialists can quickly determine your level of benefits and offer you the best options. You can also contact Cigna directly through the number on the back of your insurance card. A representative will help you through the process.
Will Cigna Cover Outpatient Treatment?
Outpatient treatment is usually covered by Cigna. To what extent depends on your plan and coverage. This is usually the first option Cigna will suggest before allowing entry into inpatient treatment, however, there are exceptions. Outpatient treatment is usually a good first option for those with limited finances since its cheaper than inpatient rehab.
In most cases, Cigna will offer coverage for drug and alcohol rehab if you meet specific criteria. Navigating through the complicated world of health insurance can be one of the last things you need when seeking help from addiction.
To make the process as smooth as possible, Royal Life Centers offers a free, no obligation verification of benefits. We can quickly and easily help you determine your level of benefits and get you started on your road to recovery. Our addiction professionals are available 24/7 to assist you and answer any questions you may have.