Addiction is one of the scariest illnesses a person can get. You must overcome the fear of being judged to seek treatment. If you put off getting help, the condition will only get worse. Some people still see a substance use disorder as more of a choice than an unfortunate set of circumstances.
Cigna has more than 86 million clients worldwide, with its headquarters in Bloomfield, Connecticut. It provides affordable health insurance to individuals and is part of employee packages, although the majority is the latter. The exact coverage you’re entitled to depends on your individual insurance policy, but its services tend to consist of the following:
Since 2009, addiction has been included in most insurance policies. Cigna created a subdivision to help people with behavioral health disorders. It means that members and their families access a broad range of resources to help understand substance use disorders and the recovery process. You can access a variety of podcasts, articles, and tools at no extra charge.
Additionally, Cigna now delivers seminars and an entire education series to help people learn about and overcome addiction. While this shouldn’t replace treatment at a rehab center, it’s a great way to boost your recovery efforts and give yourself the best chance of maintaining long-term recovery.
Your coverage will vary depending on the specific coverage plan you have. Benefits are provided according to how much is paid into your project on a monthly basis. For example, if you’re on the platinum plan, which is Cigna’s highest, you’ll pay high monthly premiums, but the out-of-pocket costs will be significantly lower. You pay less each month with a bronze or silver plan but might get hit with high co-pays and deductibles at the point of care.
Regarding addiction treatment, benefits and coverage will vary depending on the state you live in and your plan. You can contact the company you work for, your insurance provider, or the rehab center of your choice to find out more.
Some Cigna plans let you attend out-of-network rehab facilities, but it’s important to note that the out-of-pocket expenses will increase. In advance, Cigna has already vetted and made the necessary arrangements with an in-network provider. Some plans don’t cover out-of-network facilities, so you’d be liable for the entire cost of treatment.
If you do opt for an out-of-network rehab, it might require pre-certification from the specialists at Cigna. It’s best to speak to your provider and the rehab before starting treatment to make sure you understand all the costs involved in your care.
Most Cigna insurance plans cover at least some of your treatment at a residential rehab. It’s usually more expensive than outpatient rehab, but don’t forget that it’s also an investment in your future. The services you’re entitled to might include:
The out-of-pocket expenses you’d pay at residential rehab depend on the insurance plan you’re covered under. Cigna offers the following policies:
People with the Platinum insurance plan from Cigna can expect to pay between 10% and 30% coinsurance once they’ve met the deductible. Often. a Platinum plan covers some level of treatment at an out-of-network center, depending on your state.
Coinsurance for an in-network provider ranges between 20% and 40% after you’ve paid the deductible. In some states, the policy will cover an out-of-network provider. However, in some states, you must only visit a pre-vetted in-network treatment provider.
The coinsurance for an in-network treatment program is usually between 30% and 50% on a Cigna Silver plan — but only once you meet the deductible. Whether you have access to out-of-network facilities depends entirely on your state.
With the Bronze plan from Cigna, the company usually only picks up the costs once you’ve paid all the deductibles. Some plans will help to cover out-of-network costs, but you’ll be liable for the total sum with others.
Rehab can be a life-changing experience that transforms how you feel about yourself and the world around you.