Navigating the path to recovery can be challenging, but with the right support and resources, it becomes much more manageable. One crucial aspect of seeking addiction treatment is understanding how to make it affordable, and health insurance can play a significant role in helping patients pay for their treatment.
If you have Cigna insurance, you’re in a good position to access quality care. While Empowered Recovery Center is not in-network with Cigna, you can still utilize your out-of-network benefits to receive treatment at our rehab facility in Atlanta, Georgia.
What is Cigna Insurance?
Cigna is a global health services company that provides medical, dental, disability, life, and accident insurance coverage to millions of people worldwide. Headquartered in Bloomfield, Connecticut, Cigna operates in over 30 countries and serves approximately 178 million customer relationships globally. The company focuses on delivering quality health care through a range of insurance products and services, aiming to improve health and vitality.
Cigna offers various plans, including health maintenance organization (HMO) plans, preferred provider organization (PPO) plans, and exclusive provider organization (EPO) plans. Each plan type has different benefits and network restrictions, allowing customers to choose the best option for their needs. Additionally, Cigna provides comprehensive coverage that includes primary care, specialist consultations, hospital care, prescription drugs, and preventive services.
Cigna’s extensive network and innovative solutions cater to the diverse needs of individuals, families, and employers, emphasizing personalized care and affordability.1,2,3
Does Cigna Cover Addiction Rehab?
Yes! Cigna insurance does cover addiction treatment services. The extent of coverage varies depending on your specific plan, which may range from Bronze to Silver to Gold. Each plan has different benefits and coverage levels for addiction treatment, so it’s essential to review your individual policy details when choosing the type of treatment you’d like. Some common Cigna plans available in Georgia include:
- Bronze Plan: Typically offers lower premiums but higher out-of-pocket costs. It may cover essential health benefits, including addiction treatment, but with higher copayments and deductibles.
- Silver Plan: Balances premiums and out-of-pocket costs. It usually covers a more comprehensive range of services, including inpatient and outpatient rehab, with moderate copayments and deductibles.
- Gold Plan: Offers higher premiums with lower out-of-pocket costs. It provides extensive coverage for addiction treatment services, including detox, inpatient, and outpatient programs, with lower copayments and deductibles.
For more details on Cigna plans available in Georgia, you can visit their website.
Types of Treatment Covered by Cigna
Cigna insurance plans may cover various types of addiction treatment, ensuring that you receive the care you need at different stages of your recovery journey. Here are some of the rehab treatments that might be covered:
- Detoxification: Medically supervised detox to safely manage withdrawal symptoms.
- Inpatient Rehab: Comprehensive residential programs that provide 24/7 care.
- Outpatient Rehab: Flexible programs that allow you to live at home while receiving treatment, including Partial Hospitalization Programs (PHP) and Intensive Outpatient Programs (IOP).
- Mental Health Treatment: Treatment for any mental health disorders or dual diagnosis.
- Medications for Addiction Treatment (MAT): Medications used to help treat certain substance use disorders and support recovery.
Does Cigna Cover Co-Occurring Disorders?
Yes! Under the Affordable Care Act (ACA), health insurance companies like Cigna are required to cover treatment for co-occurring mental health and substance use disorders. Many individuals struggling with addiction also face mental health challenges, therefore it’s important to address both issues simultaneously for effective and lasting recovery.
Treatment for co-occurring disorders is designed to provide integrated care for mental health conditions such as depression, anxiety, and bipolar disorder alongside addiction treatment.
Does Cigna Cover Addiction Treatment Therapies?
Yes! Therapy is a vital component of addiction treatment, and Cigna insurance often covers various therapeutic approaches. The extent of coverage can depend on your specific plan, including the number of therapy hours covered per day or week. At Empowered Recovery Center, we offer a range of addiction therapies that may be covered by your Cigna insurance plan, such as:
- Individual Therapy: One-on-one sessions with a therapist to address personal issues related to addiction and recovery.
- Group Therapy: Sessions where individuals share their experiences and support each other under the guidance of a therapist.
- Family Therapy: Involves family members in the recovery process to address familial issues and improve communication.
- Cognitive Behavioral Therapy (CBT): A form of therapy that helps individuals identify and change negative thought patterns and behaviors.
- Dialectical Behavior Therapy (DBT): A therapy designed to help people manage emotions and develop healthier coping mechanisms.
Using Your Cigna Insurance to Pay for Rehab
To use your Cigna insurance to pay for rehab, the first step is to contact our admissions team. We can help verify your insurance coverage and guide you through the process of starting treatment.
You can also verify your insurance benefits with us online through our secure insurance verification form. Once we have verified your out-of-network benefits, one of our team members will contact you to discuss your treatment options.
Additionally, you can contact Cigna by calling the phone number on the back of your insurance card to get detailed information on what your specific plan covers.
Cigna Drug and Alcohol Rehab in Atlanta
Getting started with treatment at Empowered Recovery Center in Atlanta is the first step toward recovery. Our rehab admissions team is here to assist you through every step of the process, from verifying your insurance coverage to developing a personalized treatment plan to aftercare. We offer various rehab programs, including outpatient (OP), intensive outpatient (IOP), and partial hospitalization programs (PHP) to offer you flexible treatment that won’t disrupt your daily life.
To learn more about our admissions process and programs, or to get more info on paying for rehab using your out-of-network Cigna benefits, contact us today.
References
- The Cigna Group. (2023). The Cigna Group Reports Strong Second Quarter 2023 Results. Retrieved from https://newsroom.thecignagroup.com/2023-08-03-The-Cigna-Group-Reports-Strong-Second-Quarter-2023-Results#:~:text=The%20Cigna%20Group’s%20adjusted%20income,income%20from%20divested%20businesses4.
- Cigna. (n.d.). Health Insurance Plans in Georgia. Retrieved from https://www.cigna.com/individuals-families/shop-plans/health-insurance-plans/georgia
- Cigna. (n.d.). Cigna Health Insurance Plans. Retrieved from https://www.cigna.com/individuals-families/
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