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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About Anthem HealthSCOPE

Cigna is a global organization based in Connecticut and Pennsylvania. Founded originally as the Insurance Company of North America in 1792, Cigna is the oldest operating insurance company in the United States.  

Cigna (Allegiance):

Allegiance is a third-party administrator that processes your claims and ensures you get the proper coverage and reimbursement. Founded originally as Intermountain Administrators, Cigna purchased Allegiance in 2008, which gave Allegiance members access to Cigna’s vast network of coverage. 

Rehab with Healthcomp (Cigna):

Healthcomp is a company that communicates with you and your insurance company to ensure that you save the most time and money while you focus on getting better. They are known for advocating for their customers in claims disputes and providing you access to a wide range of insurance networks such as Cigna. 

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

Will Cigna Pay for an Out of Network Rehab?

The short answer is maybe. If Tree House Recovery is not in your Cigna network, you still have options to help you save money.

  • We can try to make an agreement with Cigna to get your treatment at in-network prices.
  • Our Billing department to help you file a claim with Cigna to reimburse some of your costs.  
  • If those do not work, we are happy to make a payment agreement with you to ensure treatment is affordable.

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. 

How Do I Start Recovery? 

The first step in recovery is learning what your insurance will cover by verifying your benefits. You can do this by calling Tree House Recovery at (503) 850-2474. The process is quick, free, and completely confidential.