With more than 95 million customers worldwide, Cigna stands out as one of the top providers of healthcare insurance on the planet. This company works to make all experiences with customers pleasurable and easy, hold themselves accountable, and strive to increase the value of care for all members.
With more than 200 years of experience, Cigna has been able to continually change lives for the better.
Depending on the insurance plan that a member has, he or she can receive coverage for treatment related to his or her substance use disorder. By checking with Cigna prior to participating in any type of substance abuse treatment, members can ensure that they will be able to utilize their insurance as best as possible.
What Does Cigna Cover?
As previously mentioned, the coverage that Cigna can provide will vary based on what plan the member has, what state he or she lives in, and what his or her health background looks like. Cigna, like many other large insurance companies, typically provide some sort of coverage for the following treatment services:
- Drug rehab
- Alcohol rehab
- Addiction counseling
More specific to inpatient addiction treatment, Cigna may also be able to cover the following:
- Acute inpatient substance and drug detox
- Inpatient treatment
- Partial hospitalization
Not all addiction treatment services need to be in network in order to be covered by Cigna, as it is possible to utilize other means in order to obtain care at an out-of-network facility. However, this often leads to more out-of-pocket costs, even if Cigna can cover the rest of the price tag.
Inpatient Addiction Treatment vs. Outpatient
The disease of addiction impacts people in a number of different ways, making it necessary for various levels of addiction treatment to be offered. Both inpatient and outpatient addiction treatment are two of the most common forms of addiction care available for those who have substance use disorders. And while each program works to treat addiction, they both have a number of differences between them.
Inpatient addiction treatment is a type of residential care where an individual lives on campus at the facility. He or she will likely spend anywhere from 30-90 days in treatment and will utilize the majority of his or her day participating in a multitude of different therapies and services. Inpatient addiction treatment offers therapies including individual and group therapy as well as treatment approaches that include holistic treatment, evidence-based treatment, and dual diagnosis treatment. When a client is enrolled in an inpatient treatment program, he or she can benefit from the continuous support of the medical and psychological health professionals that he or she is receiving care from.
Outpatient treatment is often viewed as a very relaxed version of inpatient addiction treatment. Clients of an outpatient treatment program do not live on campus, rather they are encouraged to live at home and/or in an environment that is conducive to their recovery. Outpatient treatment requires clients to attend therapy sessions and other events at the treatment center for a few hours a day, but only a couple times a week. Because of this setup, clients can continue to uphold their daily lives, including maintaining their career, spending time with friends and family, and so on.
Outside of the noted differences between inpatient and outpatient treatment programs, those who attend either one are often experiencing different stages of substance use disorder. For example, inpatient treatment is one of the top choices of care for those who have severe substance use disorders, who require detox, and/or who have several past failed attempts at getting sober. Outpatient treatment serves an entirely different population, as it is the best fit for those who are not dealing with a serious substance use disorder, who are able to continue to uphold other areas of their lives, and/or who have already completed other levels of treatment.
Verifying Coverage and Finding the Best, Most Appropriate Treatment
Making the decision to get professional addiction treatment is a huge step in the right direction, and certainly not an easy one to make. However, before jumping in head first, it is imperative to contact a Cigna representative to understand one’s insurance plan and what it covers. The majority of Cigna plans can provide some coverage for some addiction treatment services; however, it is important to know the extent of that coverage to avoid having to pay large out-of-pocket bills.
Contact your Cigna representative right now to get more information about your plan and how it can help you receive the addiction treatment you need to recover.