Addiction Treatment Covered by Cigna Health Insurance

Cigna is a national insurance provider offering a diverse range of coverage options, including health insurance plans.¹ The company operates in 13 states, including Mississippi and other regions in the South.² If you have Cigna coverage and are facing challenges with substance use, you might be curious about how your insurance can assist you in obtaining the treatment you need. This guide will outline what your plan may cover, how to leverage your Cigna rehab benefits for support, and how to verify your coverage details.

Does Cigna Cover Substance Use Disorder Treatment?

Yes, Cigna does provide health insurance coverage for rehab services. Thanks to the Affordable Care Act (ACA), all long-term insurance plans must include coverage for 10 essential health benefits, one of which is mental health and substance use treatment.³

Additionally, Cigna covers treatment for co-occurring disorders, where individuals experience both a mental health issue and a substance use disorder simultaneously.⁴

The exact coverage you receive will depend on your specific plan, so it’s important to verify your benefits before committing to any treatment program. Choosing an in-network provider, such as Oxford Treatment Center, may also help reduce your out-of-pocket costs. So if you are looking for inpatient rehab in Mississippi, or any level of care for treatment, reach out to Oxford Treatment Center to see what your plan covers.

Which Types of Addiction Treatment Are Covered by Cigna?

Cigna covers various types of addiction treatment, depending on your specific plan. Some of the treatment options that may covered include:^5,6

• Detox: While detox isn’t a treatment in itself, it’s commonly necessary before starting treatment. During this process, medical staff will monitor you as substances leave your system, helping your body adjust to sobriety.
• Inpatient Treatment: Inpatient treatment involves residing full-time at a rehabilitation facility. This immersive environment allows you to break free from daily routines and develop healthier habits. Treatment typically includes individual and group therapy, recreational activities, and more.
• Outpatient Treatment: Outpatient programs enable you to live at home while attending treatment several times a week. This flexibility allows you to continue working or attending school while pursuing recovery. Outpatient care is generally less intensive and can serve as a transitional step for those who have completed inpatient treatment.
• Aftercare: After completing treatment, it’s essential to maintain your progress and stay sober. Aftercare programs provide ongoing support to help you sustain your new habits as you transition back to daily life.

How to Use Cigna Health Insurance to Pay for Rehab

To use Cigna health insurance for rehabilitation, the first step is to verify your coverage. While the ACA mandates that insurance plans provide some level of substance use treatment coverage, the specifics can vary depending on your individual plan.

The easiest way to check your coverage is by filling out our confidential . Within a few minutes, our admissions navigators can assess your information and inform you about your coverage options and potential out-of-pocket costs.

Oxford Treatment Center is in-network with Cigna, and we’re here to assist you with any questions and guide you through the process of utilizing your Cigna benefits for rehab.

If you discover that your insurance doesn’t cover the full cost of treatment, don’t worry. There are various rehab payment options to help manage out-of-pocket expenses, including financing and flexible payment plans.

The most important thing is to avoid delaying treatment. Substance use can lead to significant long-term health, relationship, and legal issues, so it’s crucial to seek help as soon as possible.

Benefits of Using Cigna to Pay for Rehab

Using Cigna to cover drug and alcohol rehab in Mississippi offers the advantage of potentially covering some or all of your treatment costs. This support makes it easier to access the help you need for a substance-free life.

Your financial responsibility will depend on your specific plan benefits and may include the following:⁷

• Deductible: This is the fixed amount you must pay for covered medical expenses before your insurance begins to share the costs.
• Coinsurance: After meeting your deductible, this is the percentage of covered medical expenses you pay. Some Cigna plans in Mississippi offer a 0% coinsurance rate for substance use treatment, meaning your plan covers 100% of the costs after the deductible is met.
• Copays: Certain plans may require you to pay a fixed amount for doctor visits, medical services, and prescriptions.

To minimize your out-of-pocket expenses, it’s important to choose a provider that is in-network with Cigna. Fortunately, Oxford Treatment Center is an in-network facility that accepts Cigna insurance.

Substance use is a significant issue in Mississippi. Between 2017 and 2019, an annual average of 58,000 residents aged 12 and older struggled with illicit drug use disorders, while 107,000 battled alcohol use disorders.⁸ If you’re facing substance misuse, you are not alone.

To verify your insurance benefits and start the admissions process, simply complete the form below. We’ll reach out to you shortly.