Cigna Coverage Information
Does Cigna Cover Drug Rehab? Learn the Basics
Because Cigna operates in multiple states and serves millions of customers with different needs, it’s important to understand the terms of your plan. In-network versus out-of-network care is one of the most important distinctions. In insurance terms, an in-network provider is a treatment facility that has agreed to charge a discounted rate for the services it provides. Because in-network facilities charge less than out-of-network facilities, you’ll typically pay less for in-network care. If you have a Cigna HMO plan, it may not cover any out-of-network treatment, so it’s important to check your plan details before you start substance abuse treatment.
You also need to be aware of what your out-of-pocket costs will be. Out-of-pocket costs include things like deductibles, co-pays and coinsurance. Your deductible is an amount of money you must pay for covered health services before your insurance kicks in. For example, on a Cigna health insurance plan with a $1,000 deductible, you’d have to pay for $1,000 worth of covered services before your Cigna coverage would apply.
A co-pay is a flat fee that applies to a covered service. If you need medications to manage your mental health or help you through your addiction treatment, you may need to pay a co-pay for each one. Cigna insurance plans may also have co-pays for primary care visits or visits to a medical specialist. Coinsurance is charged as a percentage of each covered service. How much you have to pay for each service depends on your Cigna plan. Some insurance plans have a 90/10 split, which means your insurance provider would pay 90% of the cost, leaving you to pay the remaining 10%. Other plans have a 60/40 split, meaning you’d have to pay a much larger percentage of your costs.
Cigna is an international insurance provider offering health, dental and supplemental insurance plans to millions of subscribers. In addition to group health plans, Cigna offers Medicare Advantage plans and Medicaid plans in states that have implemented a managed-care model to reduce the cost of providing Medicaid benefits to those who need them, making coverage available to subscribers of all ages and backgrounds.
Behavioral Health Centers is a Florida-based rehab that accepts Cigna insurance where we offer addiction and mental health treatment programs. If you have an addiction to drugs or alcohol, you’ll be happy to know that Cigna rehab coverage also includes addiction treatment delivered on a residential or outpatient basis, making it more affordable to get help. Cigna mental health insurance is also available.
Take Charge of Your Life
If you have a problem with drug or alcohol abuse, help is available. Behavioral Health Centers offers residential treatment in a safe, comfortable setting, giving you access to the support needed to turn your life around. We also accept a wide variety of insurance plans, including Cigna substance abuse treatment coverage, making it easier to get the care you need. Contact Behavioral Health Centers today to learn more about our treatment program and take the first step toward your recovery.