Drug And Alcohol Rehab Centers That Take Cigna Insurance

If you are trying to find a treatment center that accepts Cigna, we will help you every step of the way. Our website will help you find the right treatment facility for mental health and substance abuse rehabs that accept Cigna insurance. We will also provide information on different types of Cigna’s insurance plans and policies. If you can’t pay for treatment or if you lost your job, we have solutions for that here too.

Remember you can call us on our hotline or live chat with us 24/7 to get more specific answers if you need them. If you are not ready to pick up the phone, send an email, write in a chat, or fill out a form just yet, this information can help guide you towards your next step.

Keep reading to find out more regarding alcohol and drug rehab facilities that accept Cigna, and plan your path to recovery now!

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Does Cigna Cover Mental Health & Substance Abuse Treatment?

Yes! It absolutely does. The amount that it covers will vary on your plan, but many options are available for every stage of mental health and substance abuse treatment.

Inpatient And Outpatient Rehab Programs Covered By Cigna

When seeking rehabilitation, there are both inpatient and outpatient options. An inpatient facility is where an individual lives inside the facility to get the treatment they need. It is typically used for stabilization and is usually short-term. Outpatient rehabilitation is when the individual goes to the treatment center with a schedule of allocated hours throughout their treatment for groups, family, and individual therapy sessions. Intensive outpatient is a step down from inpatient used for transitioning. It provides structure and routine as the patient begins stepping down in levels of care.


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Inpatient Detoxification:

When an individual is going through withdrawal from alcohol or a drug, it is highly recommended that they go to an inpatient facility for detoxification. When detoxing from a substance, an individual can go through a withdrawal period that should not be treated at home because it’s possibly dangerous due to the side effects of withdrawal from a substance. In an inpatient detoxification center, the individual is medically monitored by doctors, nurses, and staff so that they can go through this process in a healthy way.

Partial Hospitalization aka PHP:

PHP or a Partial Hospitalization Program is a structured program where the individual is not living in the facility but goes there for scheduled hours most days of the week. They benefit from the facilities services like doctors, psychologists, therapists, and groups.

Mental Health and Addiction Counseling:

Therapist speaking with client about mental health coverage with Cigna insurance

Mental Health Counselors help those who come to them with mental, mood, and emotional disorders. There are many in addiction that are dual diagnosis which means that they might have an addiction and a mental or mood disorder. Addiction and dual diagnosis patients are counseled differently. Addiction counseling is centered primarily on addiction. Both kinds of counselors focus on thought patterns, emotions, and behavioral therapy. Regardless of the level of counseling needed, finding a provider or rehab that accepts Cigna insurance will remain a crucial factor.

Addiction Specialists:

An Addiction specialist is when a doctor or psychiatrist declares addiction as one of their specialties. They then become certified in addiction treatment. Addiction specialists are also able to diagnose patients and refer them to treatment facilities and other specialists if need be. They truly have a vast knowledge of the addiction cycle and proper personalized treatment for their clients. Although rehabs that accept Cigna insurance don’t need to have such a specialist on staff, many times such a provider is available either on or off-site.

Referrals and Follow-up Management:

After treatment, doctors from the treatment center might send a client to another doctor or facility for alternative care. That is when a referral, basically a note to another facility stating that the person is recommended for this service, might be required. There is also oftentimes follow-up management where an individual might return to the treatment center for additional therapy and care. This is a great form of accountability for long-term sobriety.

Sober Living:

After leaving a treatment facility, it is recommended that those suffering from addiction should go to a sober living facility. These are also known as halfway homes or three-quarter-way houses. In these houses, individuals live with people that are all trying to do the same thing: maintain long-term sobriety. Usually, there are meeting requirements, consistent drug testing, and curfews. These homes provide structure so that there is another level of care after treatment. It is a good way for the person to become more acclimated with living in the real world while still being held accountable by others.


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What is Cigna Insurance?

Cigna makes it easy. They truly care about those they serve, all 180 million customers and patients in 30 countries for a historic 225 years. It is a global company with a network of over 1.5 million relationships with health care providers and facilities. With over 175,000 mental and behavioral health care providers that are still on the rise, growing over 70% from 2016, a treatment center through Cigna should be a painless place to seek. With rehabs that accept Cigna insurance on the rise, reach out now to our team to find the optimal center for your needs.

What is most comforting is they are available 24 hours a day, seven days a week, every day of the year. There will never be a time when you communicate with Cigna. The company will always be there to talk you through anything. When you are dealing with someone in addiction, that is exactly what you need.

You can finally feel relieved because their core values: peace of mind, health, and well-being, are ingrained in their culture. The company champions itself in its teamwork so that its customer service is renowned.

They value what is right and they value authentic solutions by individualizing everyone that is working for them and everyone that is connected to the company. Everyone is entitled to a personalized plan and they make it so. The company names that concept, the “Power of We.” The health care providers, their customers, colleagues, and clientele all work together for the common good.

Interconnection is so important because it takes a community to help someone with health needs. Addiction is a special breed of health issue and Cigna personalizes their relationship with its clients so that they can find them the right treatment.


Stethoscope and insurance forms, with $100 bills on the side, to show the importance of getting proper insurance coverage

General Health Insurance Terms You Should Know

When going on to a website and reading some of the content on health insurance, this is jargon that is commonly used in the health field that is necessary for general comprehension. Here are a few key terms that will help you along the way.

Deductible: The amount you pay before the insurance company plan begins its payment. For example, the deductible for a plan might be $1000 dollars. Therefore, you or your family pays the first $1000 dollars of the service. After paying a deductible you are usually only left with paying a copayment, in other words, a fixed amount, and your insurance company will cover the rest. Many plans pay for certain services outright even before you pay the deductible like a yearly doctor’s visit and preventative services (shots and screenings), but other specific services are typically included as well.

It just depends on your personalized plan so you can ask about that when signing up. Be aware that some services like prescriptions might have their own separate deductible and that family plans might have their own deductible along with each individual person included in the plan.

Copayment: Also known as copays for short, a copayment is a determined amount you pay for your health care service after you have completely paid your deductible. After your deductible is paid, you might go to a doctor and be charged only 20 dollars while the insurance pays the rest. Otherwise, you pay the full amount for the service. The fixed-rate is different for varying services. A drug test will most likely have a different copay than a psychiatrist appointment. Usually, plans with low monthly premiums tend to have higher copayments and plans with higher monthly premiums have lower copayments.

Premiums: Your monthly bill for insurance. It is what you pay every month for the plan. Along with the premium, you pay deductibles, copayments, and coinsurance. After having read the generalization that low monthly premiums might have higher copays and higher monthly premiums have lower copays, many believe that a lower monthly premium is the right course of action. Consider if you tend to have health issues, a minorly higher premium with a lower deductible might be the right fit instead.

Out of Pocket Cost: Finances you cover that are not covered by the insurance company. These include deductibles, copayments, coinsurance, and anything else that is not covered by the insurance company. It is worth repeating, but it is what you are responsible for. There is a maximum amount that is set for your out-of-pocket cost. After you reach that maximum payment your insurance does pay the rest.

Word cloud of health insurance coverage terms for rehab

Coinsurance: This term deals in percentages. It is the percentage that you pay for the service once you have paid the deductible. Let’s say for example you go to a doctor’s appointment and your coinsurance rate is 20%. If the appointment costs 100 dollars, then you pay only 20 dollars. If you have not met your deductible, you pay the full amount. Treatment is often considered a high medical cost.

For example, if the allowable cost (full payment from the insurance company; you pay the difference) is $15,000 and your out-of-pocket maximum is $7,000. Your deductible is $3,000 and your coinsurance is 20%. You will pay 20% of the remaining $12,000. Your coinsurance would be $2400. So, your $2400 coinsurance plus your $3000 equals $5400. If the amount reached $7000, your insurance would pay all covered services for the rest of the year. Usually, plans with lower monthly premiums have higher coinsurance and those with higher monthly premiums have lower coinsurance.

In-Network: Doctors and facilities in the network have a contract with your health insurance company. Some insurance plans will only cover people and places that are in-network, but there are some that cover both in-network and out-of-network services. Most times, staying in the network will cost less out-of-pocket finances. Doctors and hospitals in the network have contracts with your insurance so make the decision with your health insurance company to charge less.

Out of Network: Doctors and facilities, like treatment centers, that are out of network are people and places that do not have a contract with your health insurance company. Usually, a service that is out of network will cost more money because it is not covered by your specific insurance plans, but that varies with different plans (described below). In emergencies, your plan might cover certain costs.


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How Do I Find What Doctors and Facilities are In-Network?

If you want to find out if your primary care doctor, specialty doctors, pharmacies, and facilities are in-network or out of network you would simply go to Cigna’s website, choose the plan that you would choose, and then search the provider directory. There is a search box if you want to search for specific doctors and treatment centers. Your search results will display services that are in-network according to the plan that you want to choose. The search also provides more details about enrolling in a plan.

Our services offer insurance verification over the phone for free. It is super fast and extremely easy! All you have to do is fill out one of the many forms across the website. You can communicate with us on our hotline or with our 24/7 live chat if you have any questions or need support in any way.

How do I Know What Treatment Centers Cigna Will Cover?

Cigna insurance for rehab Infographic

You can find out what centers Cigna covers within 5 minutes. All you have to do is call Find Addiction Rehabs and they will let you know what options are available to you with the plan that you have as well as what will be covered. It can also be as easy as filling out a form online. Cigna’s coverage depends on your plan and the state that you live in. Preauthorization with Cigna will determine what they will cover medically when it comes to your treatment so make sure you are pre-authorized so you do not have to pay out-of-pocket costs that you could have prevented.

Be assured that in most cases, Cigna insurance has a variety of treatment centers that it does cover. Just don’t forget about your deductible because if it is not met you will have to complete the payment. There will also be copays and coinsurance costs. Staying in-network will help you save money because you will not be paying for the full cost of treatment.

Cigna has contracts within network treatment centers, and they are determined to cost less than those that are out of network. Enrolling in an individual or travel plan is suggested because there might be a treatment center that provides higher quality care out of network. There is a multitude of treatment centers and we will help you find the best treatment option available to you with your finances in mind. The cost of treatment will be far less than the costs of addiction.

Taking this step to find a rehab that accepts Cigna insurance remains your best chance at minimizing your own expenses and ensuring treatment is covered as much as possible.

Will Cigna insurance cover out-of-state Rehab?

Cigna does cover out-of-state rehab programs both in-network and out-of-network. For out-of-network rehabilitation facilities, your insurance policy must have out-of-state benefits for coverage. Check with our expert team at Find Addiction Rehabs to make sure that the treatment facility and services they provide are covered.

How Do I Know What My Cigna Insurance Will Cover?

We are a very viable and reliable resource in finding what your insurance will cover. As we search together for treatment facilities you can feel relieved that you will know precisely what you will have to pay for. We understand that finances can be a deciding factor in choosing a facility, but we will make sure to find the best possible treatment center for your lifestyle needs. We can review any information you give us about your plan so that we can communicate to you what will be covered. We are available 24/7 on our hotline and on live chat so we can estimate prices for you.

Once you choose a plan with Cigna, you will have an understanding of what your deductible is, and the percentages of your coinsurance after having paid the deductible. Knowing the coinsurance percentages will give you an idea of what your out-of-pocket costs will be. Whether you are looking for a rehab for yourself or a loved one, or even a couples rehab for you both, Find Addiction Rehabs can and will help!

How Much Cost Does Cigna Cover?

Hand holding clipboard with Health Insurance Claim Form, to show coverage with Cigna concept

This question’s answer depends on the policy and plan that you choose. After you meet your deductible, Cigna will cover a percentage of the cost based on your coinsurance and out-of-pocket costs for the treatment itself. You also are responsible for any copays that might include prescriptions, drug tests, and doctor’s appointments.


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Four Metal Categories For Cigna Plans

Health Insurance plans fall into four metal categories: bronze, silver, gold, and platinum. If you decide to purchase health insurance through The Marketplace on The Exchange on healthcare.gov, an online shopping center, you will find differences in portioning of your health care bills. Shopping within these categories makes shopping for insurance a little simpler from some perspectives.

Each plan separates what you pay and what your insurance pays, but a portion of your care will be covered. Some are completely covered if they are in-network with your plan. You will still have copays often. Know that within the metal plans there can be differing deductibles and coinsurance so once you choose, make sure to read into the specifics of what you need.


Bronze Plan: A bronze plan has the lowest monthly premium of metals so alternatively, it has higher costs when you require medical care. It is typical that a bronze payment can have 1000s of dollars in deductibles. If you want low costs to take care of yourself in emergencies but pay for the medical doctors you do see yourself, then this plan is a good choice for you. The insurance plan pays 60% of the costs and you are left with 40% of the costs.


Silver Plan: The silver plan is the moderation plan. The monthly premium and costs when you need care are moderate. When compared to a bronze plan, deductibles are usually lower. With this plan, the insurance company pays 70% of costs, and you are left with the remaining 30% of medical costs. If you want more covered than a bronze plan and are willing to pay a little higher of a monthly premium for that security, choosing this plan might be best.


Gold Plan: The gold plan has a higher monthly premium, but lower medical costs. 80% of costs are covered by your insurance and you are left with the remaining 20%. Deductibles are less expensive so if you are comfortable with paying more monthly costs then you can be covered for more of a variety of care when seeking treatment.


Platinum Plan: This top-of-the-line care is the most expensive with the highest monthly premium, but your care will definitely cost the lowest. The insurance covers 90% of treatment and you cover 10%. If you need a very high amount of care, want to pay the lowest at the time of treatment, and you can pay the highest monthly this plan would be the best choice because almost all of your services will be covered.


When deciding, take a look at the costs you are already paying for medical expenses. If you are generally healthy, you might need expensive health care services, which makes the bronze plan a good choice. If you are prone to injury or you have health issues that need consistent medical treatment then opting for a silver, gold, or platinum plan can be better for your lifestyle. When you are applying through The Marketplace your income can have an effect on your premiums. Federal Assistance can be an option this way. It just depends on what you qualify for, but you can do a swift check to see how your income affects the finances of each plan.

Types of Cigna Policies

types of cigna policy for rehab coverage, as shown by woman searching on her laptop

There are multiple types of plans when considering health insurance and each has varying costs for the person and/or family enrolled. Understanding each plan will help you decipher what will be best for your health care and financial needs.


HMO: An HMO or Healthcare Maintenance Organization provides you with a local network of doctors and facilities that you can choose from. It generally has lower monthly premiums than other plans. You become required to choose your own primary care physician, the doctor that you will see for a yearly check-up at the very least, which is a special privilege. That chosen doctor will refer you to other specialty services when needed.

Take note that HMOs don’t cover costs that are out of your network except in an emergency considered by your plan. Out-of-network coverage is not covered unless you are using emergency services. The potential for your saving is oftentimes more optimal with an HMO.


PPO: A PPO or Preferred Provider Organization contains a larger network for you to choose from so more doctors and facilities. The out-of-pocket costs and monthly premiums can be higher with this plan. It is a trade-off because if you want more flexibility with your choices in health care, then this plan would be better for you. Out-of-network coverage is available with a PPO but it costs more. You also do not need a primary care physician to refer you to a specialty service.

If you are satisfied with the doctors you are seeing now and they happen to be out of network, then a PPO would be a good fit because you are able to see out-of-network doctors. You just might have to pay more for the flexibility of choice.


When considering a policy with addiction and addiction treatment in mind, a PPO policy could be the best choice because it allows individuals to have a wider variety of treatment centers to choose from. You can go to facilities in-network, out of network, in-state, and out of state. Everyone has their own set of needs, so a PPO will give you more options when you are trying to find the right treatment center for your individual circumstances. The goal is long-term sobriety and a program tailored to your needs will be your greatest resource and chance at achieving that goal.


EPO: An EPO or Exclusive Provider Organization gives you a variety of local doctors and facilities to choose from. Out of pocket costs still are not covered by your insurance company with an EPO plan. Generally, lower monthly premiums are the pros of this plan, but the deductibles are usually higher. A primary care physician is required for an HMO and EPO plan, but sometimes with an EPO plan, having one is not.

If you are using emergency services out of network those are covered by this plan. You do not need your primary care doctor, if you have one, to give you a referral to a specialty service.


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How Can I Pay For Costs Not Covered By My Insurance Plan?

There are definitely options to cover what your insurance plan does not. If you do not have the financial means to cover the out-of-pocket costs, there are many treatment centers that will offer payment plans. Most treatment centers are “non-hardship,” meaning, they want to make sure that you get help and will work with you. Some treatment centers will provide scholarships to cover costs. There are personal or medical loans that you can apply for to pay for your medical expenses as well.

You can ask your family and friends for help. They want you to get better, and sometimes, if they have the means, they might help you cover the costs your insurance does not.

In today’s day and age, crowdfunding has become a heartwarming option. People will post on their social media and use different platforms so that they can earn donated funds from a large audience of people.

Coverage If You Lost Your Job

Using COBRA for rehab coverage after job loss, as shown by man losing his job with box of work belongings

COBRA or the Consolidated Omnibus Budget Reconciliation Act is for those who have lost their employment. It covers you for a limited amount of time. You must have been covered by your employer’s insurance plan before being fired, before quitting, or even if your hours have been cut to the extent that the employer’s insurance does not cover you anymore.

Using COBRA for rehab covers the same benefits as your employer’s health insurance. It can last up to 18 to 36 months depending on the plan.[SH6]  What is important to note is that COBRA coverage is usually more expensive than your health insurance under your employer. The reason Cobra costs more is because you would be paying for 100% of the health plan including any financial aid that your previous employer helped pay for.

COBRA allows you to go to the same doctors and utilize the same benefits that you had under your employer, but to contrast that, it typically costs more than you paid before because you are paying for the entirety of the plan.

Cigna Policy Limitations for Rehab Offerings

Every plan has policies and limitations. There is a resource page that has information on these aspects of your contract. Your policy has a Group Service Agreement (GSA), a Certificate of Coverage, and a Summary Plan Description (SPD). Basically, these elements explain applicable coverage in relation to your plan, any laws or regulations, collateral source materials, and specific facts given a situation.

Cigna has a page on its website with indexes of medical doctors, facilities, pharmacies, administrative services, and policy updates. These are subject to changes because the medical field is constantly evolving. Reach out to us and we can provide the information that you need. We can answer any question you have about your policy accurately and in a manner, you can understand. Every individual’s situation is different, so we personalize the answer just for you.

Purchasing Cigna Insurance for Rehab

There are a couple of ways that you can purchase Cigna Insurance. You can purchase it yourself privately through Cigna, you can purchase it through The Marketplace on Healthcare.gov, or you can be provided Cigna’s Health Insurance through your employer or school.

If you happen to be under 26, you may still be covered under your parent’s BCBC health coverage.

In most cases, it is always recommended to purchase a PPO insurance policy when seeking addiction treatment. The cost is definitely worth it.

Find Addiction Rehabs Using Cigna Insurance – How to Start?

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To find a rehabilitation facility, you can find everything you need right here! By calling us, you can find a treatment center for your needs. We will help you every step of the way, whether it be for addiction, physical, or mental treatment, we network with facilities across the nation, from coast to coast, so that you can be paired with the best possible rehab available to you.



* Disclaimer: Find Addiction Rehabs is not affiliated with or endorsed by Cigna. Details about Cigna’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered. Please call our representatives today for more definitive details on your plan and options.