Does Cigna Cover Alcohol Rehab?
If you need rehab for substance abuse disorder, your Cigna policy may cover some or most of your treatment costs. Of course, Cigna has many different policies, and your coverage will depend on which policy you have. If you would like to know exactly how much of your rehab Cigna will cover at Tree House Recovery, call us at 503-850-2474. We can check your coverage quickly, confidentially, and free of charge.
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Addictions that Cigna May Cover:
Since rehab is classified as an essential form of care, every policy on the market must provide some form of coverage for:
- Heroin Addiction.
- Fentanyl Addiction.
- Cocaine Addiction.
- Alcohol Abuse.
- Addiction to Prescription Pain Pills like Vicodin or Oxycontin
- Crack Addiction.
- Methamphetamine Addiction
- Abuse of stimulants like Ritalin or Adderall.
- Addiction to anti-anxiety medications (Benzodiazepines) like Xanax or Valium.
How Does Cigna Help Me Afford Treatment?:
Cigna is a private insurance company that makes contracts with doctors, hospitals, and conveniently located urgent care facilities. Put simply, these contracts offer to send Cigna patients if those patients receive high quality discounted care. If you have Cigna and get treatment from one of these facilities, Cigna may reduce the cost of your care or pay a percentage of your costs. How you save money depends on whether you have a PPO or HMO.
HMO (Health Maintenance Organization): Cigna's HMO plans select certain providers around the US to form a network of care for you. If you go to one of these providers, your care may be discounted. However, you cannot receive discounted treatment at a facility that's outside your HMO network.
PPO (Preferred Provider Organization): Cigna's PPO plans offer a much larger network of treatment providers than an HMO. This gives you the freedom to choose your health provider. If you attend one of these providers, Cigna may either pay a select amount or percentage of your care -- leaving you with a smaller cost.
Insurance companies like Cigna ask that you pay a monthly amount (called a premium) for your policy and then pay for a certain amount of your own treatment costs (called a deductible) before they begin contributing. If you have paid your premiums and deductible, Cigna may help you save money in one of two ways:
Co-Pay: Some Cigna policies offer to pay for a predetermined amount of your treatment. Your remaining amount is called a co-pay. For example, let's say that Dr. Bob is in your Cigna network, and his checkups cost $100. Because you've paid your premiums and met your deductible, hypothetically, Cigna pays $60 -- making your bill $40. You could see Dr. Bob for a checkup over and over, but your bill will always be $40.
Co-Insurance: Other Cigna policies pay for a predetermined percentage of your treatment. The remaining percentage is called co-insurance. To return to the example above with Dr. Bob and to keep things simple, let's say your Cigna policy covers 50% of your treatment. If the bill were $100, your cost would be $50. If the bill were $1000, your cost would be $500.
Ready to take your life back?
Call (503) 850-2474
Levels of Care At Tree House that Cigna May Cover
Rehab is considered one of the ten essential health services that all insurance networks, including Cigna, must provide some coverage for. However, the amount of coverage you receive will depend on your plan, and the level of care you need. Higher levels of care have more hours of treatment and more supervision from specialized personnel. They are also more expensive.
Detox: Detox is the highest level of care available for rehab. You'll receive 24-hour supervision from medical doctors or registered nurses and medication to help you deal with the discomfort of withdrawing from drugs and alcohol. Most detoxes last 7-21 days and are designed to end your body's physical dependence to substances so that you can begin rehab pain-free.
Inpatient: During Inpatient rehab (also called residential rehab), you live at a medical facility 24 hours a day. It is the second-highest level of care because although you live at a facility, supervision may be from therapists instead of medical doctors. You can expect to participate in treatment with other patients, such as group outings, 12 step meetings, and group therapy. Some people choose to start inpatient after rehab. Others may choose to skip inpatient after detox and immediately begin PHP.
Partial Hospitalization Program (PHP): A Partial Hospitalization Program is one step down from inpatient care, although some people may begin PHP right after detox. For PHP, you don't live at the facility but will do treatment 5-6 days a week for up to 6 hours a day. Treatment can include group or one-on-one therapy. However, at Tree House Recovery our PHP also has:
- Writing Therapy
- Exercise Therapy
- Yoga Therapy
- Addiction Education
- Social Recovery (Action-Based Induction Therapy)
Intensive Outpatient (IOP): IOP builds on PHP's skills so that you can thrive in sobriety after treatment. At Tree House Recovery, the focus of IOP is relapse prevention. That's why we teach you ways to regulate your emotions, handle stress, deal with negative thinking, and avoid triggers. We also work to reintegrate you into your new life with resume building, interview, leadership, and job search workshops.
Outpatient Rehab: Normally, outpatient rehab is part of an aftercare plan to check in with people who have already completed a rehab program. If you are in outpatient rehab, you'll likely meet with a therapist or group counselor for an hour 1-2 times a week.