Cigna Insurance Coverage For Drug And Alcohol Addiction Treatment
For those who are looking to pay for addiction treatment through health insurance, Cigna offers multiple health insurance plans that include coverage for drug and alcohol rehab. Coverage amounts vary by plan type and state.
Affordable help is available for those who seek recovery from addiction. Cigna offers health insurance plans that cover addiction treatment as well as mental health issues. This means that Cigna clients can get the help they need to overcome a drug or alcohol addiction and move forward to lead a happy and healthy life in recovery.
Cigna Healthcare Plans for Addiction Treatment
Cigna offers three levels of health insurance plans for those suffering from addiction: bronze, silver, and gold. Bronze plans typically offer the least-expensive monthly premiums, while gold plans usually offer lower copays, out-of-pocket expenses, and coinsurance rates.
Cigna Connect HSA Bronze 5500
- Estimated Yearly Cost: $11,500
- Annual Deductible: $5,500
- Yearly Out-of-Pocket Maximum: $6,650
- In-Network Copays: 30 percent coinsurance after deductible for pharmacy and medical services
- Out-Of-Network Services: Not Covered
Drug And Alcohol Detox Coverage
Drug and alcohol detox is covered under mental health, behavioral health and substance use disorder services in the Cigna Connect HSA Bronze 5500 medical insurance plan. For services that are covered, the individual can expect to pay 30 percent coinsurance, which means up to 70 percent of the service cost is covered by Cigna.
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Inpatient Drug And Alcohol Rehab Coverage
Inpatient rehabilitation for addiction as well as mental health conditions is covered for providers that are in the Cigna insurance network. The individual can expect to pay a 30 percent coinsurance for these services.
Cigna Outpatient Rehab Coverage
The Cigna Connect HSA Bronze 5500 plan covers outpatient rehabilitation for individuals with a substance use disorder or mental health issues. The individual can expect Cigna to cover 70 percent of the cost of services received while the individual will be responsible for the remaining 30 percent.
Medication-Assisted Treatment Coverage
Medication-assisted treatment that requires the use of Suboxone or methadone may be covered under the medication and drug provisions and inpatient and outpatient services categories. Medications typically require a 30 percent coinsurance, and individuals can expect to pay 30 percent of the costs associated with receiving detox services in an inpatient or outpatient setting, which can help make drug and alcohol rehab affordable.
Sober Living Home Coverage
Sober living houses are a great way to get additional support after completing an inpatient or outpatient rehabilitation program. To determine if a sober living house is covered under the Cigna Connect HSA Bronze 5500 health insurance plan, contact the sober living home or Cigna directly.
Cigna Connect Flex Silver 3500
- Estimated Yearly Cost: $10,700
- Annual Deductible: $800
- Yearly Out-of-Pocket Maximum: $2,350
- In-Network Copays: $5 to 50 percent coinsurance after deductible for medications, and $15 to five percent after coinsurance for medical visits
- Out-Of-Network Services: Not Covered
Drug And Alcohol Detoxification
The Cigna Connect Flex Silver 3500 health insurance plan covers drug and alcohol detox under mental health and substance use disorder services. Inpatient and outpatient services are covered at 95 percent. The individual would be responsible for paying five percent for coinsurance.
Inpatient (Residential) Treatment
Cigna Connect Flex Silver 3500 covers inpatient rehabilitation for drug and alcohol use disorders for treatment centers that are in-network. For these services, the individual can expect to pay five percent in coinsurance while Cigna covers the remaining 95 percent.
Outpatient/Intensive Outpatient (IOP) Treatment
Outpatient rehabilitation services for substance use disorders and mental health issues are covered under Cigna’s Connect Flex Silver 3500 insurance plan. The individual would be responsible for a five percent coinsurance payment for all treatment services rendered.
Medication-Assisted Treatment (Suboxone/Methadone)
Medication-assisted treatment using Suboxone or methadone may be covered by the policy’s drug coverage provisions and the mental health and substance use disorder provisions. Individuals can expect to pay between $5 and 40 percent for covered medications, depending on the type of drug and whether it is delivered to the home or picked up at a pharmacy. If the medication-assisted treatment is part of an inpatient or outpatient drug rehab program, a separate coinsurance payment of five percent may be assessed.
Sober Living Home
Sober living houses may be covered if they are part of an inpatient or outpatient treatment program offered by an in-network provider. However, specific coverages and limitations would have to be discussed with Cigna or with the sober living facility.
Cigna Connect Flex Gold 1300
- Estimated Yearly Cost: $10,930
- Annual Deductible: $1,300
- Yearly Out-of-Pocket Maximum: $7,350
- In-Network Copays: $5 to $500 for medications, no charge to 20 percent after deductible
- Out-Of-Network Services: Not Covered
Drug And Alcohol Detox
The Cigna Flex Gold 1300 insurance plan covers drug and alcohol detox as part of an inpatient or outpatient treatment program by an in-network provider.
Inpatient drug and alcohol rehab for mental health and substance use disorders is covered. The individual can expect to pay 20 percent in coinsurance for inpatient substance use disorder treatment services.
The Cigna Connect Flex Gold 1300 health insurance plan covers outpatient rehabilitation services for individuals suffering from a substance use disorder. The plan
Medication-assisted treatment that utilizes Suboxone or methadone may be covered under drug coverage provisions. The individual would be responsible for paying the coinsurance fees associated with the medications and the specific treatment program.
Sober Living Homes
Sober living houses may be covered if they are part of an inpatient or outpatient treatment program. To determine if the sober living house is covered as part of in-network drug and alcohol rehab services, contact the sober living house or Cigna.
In Network Vs. Out Of Network
Cigna, like other insurance providers, designates health care providers as either in-network or out-of-network. In-network providers cost the patient less than out-of-network providers. If a particular addiction treatment center is determined to be out-of-network, other treatment centers accept different insurance plans from different providers, and the next treatment center may be in-network.
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How To Find Drug And Alcohol Rehab Centers That Accept Cigna
1) Call Addiction Campuses for an immediate verification of benefits. Addiction Campuses can answer questions about insurance and addiction treatment and perform a no-obligation verification of insurance benefits on your behalf.
2) Contact the insurance provider by using the phone number on the back of the insurance card or by visiting the provider’s website. A representative will be able to match you to an in-network drug and alcohol rehab center.
3) Call the treatment center you or your loved one is interested in. The treatment center’s admissions team can answer questions about covered services.
Addiction Campuses accepts many forms of insurance. For a free, confidential verification of insurance benefits, call today.Article Sources