Cigna Health Insurance
Cigna is a global insurance company that provides health services to nearly 100 million people across the world. Cigna insurance is typically provided through employer benefits or other organizations. Drug and alcohol rehab treatment and insurance coverage for substance abuse will vary based on your individual insurance plan. If you are struggling with addiction and worried about how to pay for rehab, read on to learn more about Cigna insurance and coverage for Innovative Health’s treatment programs.
Cigna Rehab Insurance Coverage
You may be asking yourself “does Cigna cover rehab?”. Cigna’s network of providers includes treatment centers for substance use disorders. Depending on your plan, Cigna insurance coverage is for the partial or total cost of treatment for substance use disorders and other mental and behavioral health services. All insurance plans now must include at least some coverage for behavioral health such as residential treatment, mental health inpatient treatment, and outpatient treatment for substance use disorders.
Addiction treatment services include inpatient rehab and outpatient rehab, partial hospitalization (PHP), detox, individual and group therapy services, and continuing care. Depending on your insurance plan with Cigna, alcohol and drug rehab may be covered partially or fully. Your treatment coverage could be from 28 to 45 days. Specific coverage for treatment and services is based on your plan’s benefits.
How much of rehab is covered by Cigna?
When you are looking for treatment, the biggest question is usually “how much will I have to pay out-of-pocket for rehab?”. Your coverage is largely dependent on your insurance Cigna plan and the level of care you require. The passage of the Affordable Care Act made coverage for essential health services more accessible, including drug abuse treatment and mental health services.
Innovative Health is an alcohol and drug rehab treatment facility that offers intensive outpatient rehab for substance use disorders. We treat alcohol and drug addiction and other mental health disorders. We are a leader in comprehensive alcohol and substance use treatment with evidence-based individualized treatment in New York state. At Innovative Health, you have several options for treatment, including telehealth services. We offer medication-assisted treatment, behavioral and mental counseling, and evaluations.
If you have not met your plan’s deductible, you may be required to pay more out of pocket. Your out-of-pocket maximum is the most you will have to pay for covered services per year. If you are concerned that your insurance will not pay for rehab services or cover the entire cost of substance abuse treatment, payment options are available. Health insurance coverage is processed with your insurance provider. Once your claim is processed, your remaining balance will be available, and we have payment plans available to take the financial burden out of rehab. At Innovative Health, we believe everyone deserves access to addiction treatment.
Cigna Coverage for Medication-Assisted Treatment
Medication-Assisted Treatment, or MAT, is the use of medications in combination with detox and addiction therapy to treat substance use disorders. MAT is an effective treatment option that helps with withdrawal symptoms from certain substances. Medication-assisted treatment is primarily used to treat addiction to opioids and prevent an opioid overdose.
For opioid use disorder, we provide monthly injections of Suboxone, Buprenorphine, or Sublocade. To treat alcohol use disorder, Naltrexone or Vivitrol monthly injections are available. These medications are typically covered by insurance.
If you require MAT, it is typically an ongoing, long-term treatment plan. Generally, MAT also requires mental and behavioral health services. You may be wondering if your insurance policy covers MAT treatment and additional treatment. Insurance for MAT works the same as coverage for any other treatment services. When you are referred for MAT treatment, your coverage will be verified. Your insurance company will be able to confirm your Cigna coverage. Health insurance that covers substance abuse typically pays for any MAT services that are considered medically necessary. Most insurance plans offer at least partial coverage for addiction treatment, including MAT.
Does Innovative Health Accept Cigna Insurance?
Insurance networks will partner with certain facilities to provide treatment services. These are known as in-network providers. Innovative Health is not in-network with Cigna insurance. Out-of-network means that your insurance plan may pay a lower percentage for your treatment. Innovative Health does work with all insurance plans, and even if you are out-of-network we will provide you treatment and care. You can find out more about your specific coverage by reviewing your benefits.
Verify Your Rehab Coverage With Cigna
If you need a rehab center for substance use disorder treatment, Innovative Health is here to help you understand your options and work with you whether in-network or out-of-network. You can verify your insurance with Cigna by reviewing your benefits online or calling your provider. Innovative Health can assist you with verifying your coverage. Give us a call at 914-683-8050 for assistance with your Cigna insurance plan.