Addiction has damaged many lives around the world. Experts have developed treatments to battle against addiction. And yet, many who suffer from addiction choose not to get treated.
One of the many factors for this decision is the potential medical bills. Some would choose not to deal with their addiction at all. Others may experiment on handling their condition alone. But the results may not be as effective as treating it with the support of a medical professional.
Cigna Insurance offers a way to make these treatments more affordable. Cigna extends their insurance coverage for rehabilitation programs targeting addiction and substance abuse.
Cigna’s Behavioral Health division caters to members who need rehabilitation treatments. This division also creates awareness on the many behavioral disorders and substance abuse.
Cigna’s insurance coverage may include:
- Counseling for addiction treatment
- Drug and Alcohol rehabilitation
- Their coverage will depend on the member’s insurance plan.
All plans can cover inpatient and outpatient services. The patient can choose which option they want. They can choose outpatient treatments to continue with their daily lives during rehabilitation.
The following are the coverage for each program under different plans:
For inpatient care, 0 percent coinsurance for in-network providers. Cigna will only cover the costs after the patient pays their plan’s deductible in full. For outpatient care, 0 to 50 percent coinsurance. This depends on the state where the patient resides in. The plan may not cover out-of-network services.
For inpatient care, 30 to 50 percent coinsurance for in-network programs. This is after settling the plan’s deductible. In-network outpatient services may have coinsurance percentage or copay for every visit. Out-of-network service coverage will depend on the state where the patient lives.
For inpatient care, 20 to 50 percent coinsurance for in-network programs. This is after meeting the plan’s deductible. For outpatient care, there may be a small coinsurance percentage or copay per visit. This depends on the service provider. Out-of-network service coverage will depend on the state where the patient lives.
For inpatient care, 10 to 30 percent coinsurance after the plan’s deductible. For outpatient, in-network providers may have a minimal coinsurance or copay required. Out-of-network programs may have higher coinsurance percentage.
For inpatient care, Cigna can also cover the following treatment programs:
- Acute Inpatient Substance and Drug Detoxification
- Inpatient Treatment for Substance and Drug Disorder
- Partial Hospitalization for Substance and Drug Disorder
How to Get Started
Before signing up to a rehabilitation program, consult a specialist. It’s best to know what your options are and what would suit your specific need. Considering your lifestyle will help determine if outpatient or inpatient care is better.
When you know your rehabilitation program, contact a Cigna representative to learn more.
The idea of high medical bills shouldn’t stop us from getting the treatment that we need. Shrugging off our conditions may lead to worse consequences that expensive bills. For those who want to get treated, there’s always an option to make treatments more accessible.
Check out this playlist to learn more about rehabilitation coverage.