WHAT YOU NEED TO KNOW

• Oxford Treatment Center in Mississippi is in-network with Cigna, covering medical detox, inpatient rehab, outpatient, PHP, IOP, and aftercare
• Cigna must cover addiction treatment under the ACA (essential health benefit) and Mental Health Parity Act with equal benefits to medical coverage
• Some Cigna plans in Mississippi offer 0% coinsurance for substance use treatment, meaning 100% coverage after deductible is met
• Cigna also covers co-occurring disorder treatment (depression, anxiety, PTSD) alongside addiction care under behavioral health benefits
• Call 662-638-0015 for free, confidential Cigna benefits verification; admissions navigators check coverage immediately

Cigna Insurance Coverage for Addiction Treatment at Oxford Treatment Center

Cigna is a national health insurance provider operating in 13 states, including Mississippi and surrounding Southern states. 

If you have Cigna coverage and are struggling with drug or alcohol addiction, your plan likely covers some or all of the cost of treatment. 

Oxford Treatment Center is in-network with Cigna, which means lower out-of-pocket costs and streamlined approvals. 

This guide covers Cigna’s addiction treatment benefits, plan types, costs, how to verify coverage, and what treatment at Oxford looks like.

Does Cigna Cover Addiction Treatment?

Yes. Cigna covers substance use disorder treatment under federal law. The Affordable Care Act requires all long-term insurance plans to cover addiction treatment as one of 10 essential health benefits. 

The Mental Health Parity and Addiction Equity Act ensures Cigna provides equal benefits for behavioral health as it does for medical/surgical services. 

Cigna also covers treatment for co-occurring disorders where individuals experience both a mental health condition and substance use disorder simultaneously.

What Addiction Treatment Services Does Cigna Cover?

Medical Detox: Medically supervised withdrawal management with 24-hour monitoring, medications, vital sign tracking, and nursing care. Critical first step for alcohol, opioid, and benzodiazepine dependence.

Inpatient/Residential Rehab: Full-time residential treatment at Oxford’s 100+ acre campus in Etta, MS with individual therapy, group therapy, evidence-based programming, equine therapy, and medical oversight.

Partial Hospitalization (PHP): 6-8 hours daily intensive treatment, 5 days weekly. Structured step-down from inpatient or entry point for those needing clinical intensity without 24-hour care.

Intensive Outpatient Program (IOP): 9-15 hours weekly flexible outpatient treatment at Oxford or Southaven, MS locations. Allows continued work, school, or family responsibilities.

Outpatient Therapy: Individual and group counseling sessions on a weekly or bi-weekly basis for ongoing support and relapse prevention.

Medication-Assisted Treatment (MAT): FDA-approved medications (buprenorphine, naltrexone, acamprosate) combined with behavioral therapy for opioid and alcohol dependence.

Aftercare & Continuing Care: Alumni programs, support groups, outpatient therapy referrals, sober living placement, and ongoing psychiatric medication management.

Understanding Your Out-of-Pocket Costs with Cigna

Deductible: Fixed annual amount you pay before Cigna begins sharing costs. Varies by plan; lower-premium plans typically have higher deductibles.

Coinsurance: Percentage of costs you pay after deductible. Some Cigna plans in Mississippi offer 0% coinsurance for SUD treatment, meaning Cigna covers 100% after deductible.

Copayments: Fixed fee per visit or service (e.g., $25-$50 per therapy session, per prescription, or per doctor visit).

Out-of-Pocket Maximum: Annual cap on total costs. Once reached, Cigna covers 100% of remaining covered services for the plan year.

In-Network Advantage: Oxford is in-network with Cigna, meaning significantly lower costs, no balance billing, and pre-negotiated rates.

Pre-Authorization: Some plans require prior approval before treatment. Oxford admissions staff handle pre-authorization coordination with Cigna directly.

How to Verify Your Cigna Insurance for Rehab

1. Call Oxford Treatment Center: Call 662-638-0015. Admissions navigators verify Cigna coverage at no cost and explain benefits, copay, deductible, and out-of-pocket costs immediately.
2. Online Benefits Verification: Visit oxfordtreatment.com and complete the secure verification form. Receive coverage details within minutes.
3. Call Cigna Member Services: Call the number on your insurance card. Ask about addiction treatment coverage, in-network status, deductible balance, and pre-authorization.
4. Cigna Online Portal: Log in at my.cigna.com to view plan details, claims history, deductible progress, and search for in-network providers.

Substance Use in Mississippi: Why Treatment Matters

Substance use disorder is a significant health challenge in Mississippi. Between 2017-2019, an annual average of 58,000 Mississippi residents age 12+ struggled with illicit drug use disorders, while 107,000 battled alcohol use disorders. 

If you are facing substance misuse, you are not alone, and effective treatment is available. Oxford Treatment Center provides evidence-based care accessible from Memphis, Birmingham, Jackson, and communities throughout the South.

About Oxford Treatment Center: In-Network with Cigna

• 100+ acre inpatient campus in Etta, MS surrounded by national forest
• Outpatient centers in Oxford, MS and Southaven, MS (near Memphis, TN)
• Resolutions Oxford Sober Living for structured post-treatment housing
• 400+ years of combined clinical experience across the treatment team
• Specialized programs: Veterans, First Responders, Trauma Support, Christian Rehab, Couples
• Evidence-based therapies: CBT, DBT, MI, EMDR, family therapy, equine therapy, art therapy
• Medication-assisted treatment (MAT) for opioid and alcohol dependence
• Co-occurring disorder treatment for depression, anxiety, PTSD, bipolar, and trauma
• Joint Commission accredited, BBB accredited, PsychArmor Veteran Ready, LegitScript certified

Payment Options Beyond Cigna Insurance

If Cigna does not cover the full cost of treatment, Oxford offers several alternative payment options: flexible financing plans, monthly payment arrangements, credit/debit card payments (Visa, MasterCard, Amex, Discover), and guidance on applying for additional coverage. 

The most important step is getting treatment now, and Oxford’s admissions team will help find a financial solution that works.

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