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What You Should Know About Rehabs That Take Cigna Insurance

Cigna Insurance Coverage for Alcohol and Drug Rehab

Starting rehab for drug or alcohol addiction is a big decision. Knowing your Cigna insurance coverage can help you get the support you need. This way, you can avoid any financial surprises.

Seeking help for addiction is very brave. It can change your life, but it also has challenges. One of the biggest obstacles many individuals encounter is the expense of professional rehab programs.

Many people need support and resources to overcome addiction. However, many rehab facilities can be very expensive.

This is where Cigna Insurance comes into play. Cigna has over sixty years of experience in health insurance. They understand the challenges of addiction recovery. Cigna is dedicated to making treatment easier to access and more affordable.

Cigna works with various drug and alcohol treatment centers. One of these centers is Novara Recovery Center. Together, they create a network of rehab providers.

If you have Cigna insurance or are thinking about it, it’s important to know your coverage. This is especially true as you or someone you care about begins the recovery journey.

Table of Contents

Comparing Inpatient & Outpatient Pathways

What is Alcohol and Drug Rehab?

Rehab, short for rehabilitation, helps people overcome alcohol and drug addiction. It addresses physical, emotional, and mental challenges. It could involve medical detox, therapy, or medication support—rehab provides a thorough route to recovery.

There are two primary types of rehabilitation treatment options, each tailored to different needs:
  • Inpatient Rehab: Consider it a comforting residential setting where you can focus on getting better. You get help from doctors and therapists all day and night in a place that’s watched over. This kind of care is perfect if you’re dealing with a tough addiction or need a break from things that make it harder to heal.
  • Outpatient Rehab: If taking a break from your daily life—like work, school, or family—seems hard, outpatient rehab could be a good choice. You live at home instead of a treatment center. You go to rehab sessions and treatment programs that fit your schedule.

Depending on where you are in your journey, there are different levels of outpatient care to match your needs:

  • Partial Hospitalization Program (PHP): Think of it as a balance. You have structured treatment during the day and the comfort of your home at night.
  • Intensive Outpatient Program (IOP): IOP provides care like PHP but has a more flexible schedule.
  • General Outpatient (OP): Regular therapy sessions, often once or twice a week, to help you stay on track.

 Both inpatient and outpatient rehab play crucial roles in tackling addiction. The best choice depends on your situation. However, the goal is the same: to help you regain control of your life and build a healthier, drug-free future.

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Equipping You to Confront Triggers & Prevent Relapse

Why is Rehab Needed for Addiction Treatment?

Rehab is crucial because breaking free from addiction is incredibly challenging, and doing it alone often feels impossible. Relapse is a common part of the journey for many people. It does not mean failure. It shows that the right support and tools may be missing.

In rehab, you’ll learn how to spot your triggers—those situations, emotions, or habits that might pull you back into old patterns. You’ll also build coping skills to handle stress, cravings, and tough moments without turning to substances. And perhaps most importantly, you’ll work on a relapse prevention plan tailored to your life. This plan becomes your safety net, helping you navigate challenges and stay on track.

Key components of rehab include:
  • Detoxification
  • Counseling
  • Behavioral Health Services: Here, you will learn useful tools to change bad habits. You will also find better ways to handle stress, triggers, and life’s challenges.

Does Cigna Cover Alcohol and Drug Rehab?

Yes. Cigna provides plans for covering alcohol and drug rehab services. This health insurance provider offers PPO (Preferred Provider Organization) plans, which give you the flexibility to choose from a vast network of providers. Remember that your out-of-pocket costs might be higher if you go out of network.

Cigna’s plans come in different levels, each with its own cost-sharing structure:
  • Bronze Plans: This is the most affordable option, but you’ll cover about 40% of your care costs while Cigna pays 60%.
  • Silver Plans: A step up, these plans cover around 70% of costs, leaving you responsible for 30%.
  • Gold Plans: With Gold plans, Cigna pays 80%, and you cover the remaining 20%.
  • Platinum Plans: This is the most comprehensive (and expensive) option, with Cigna covering 90% of costs and you paying just 10%.

The right plan for you depends on your budget and how much coverage you need for different recovery services.

What Types of Drug and Alcohol Rehab Does Cigna Cover?

Cigna’s coverage is designed to support you at every stage of recovery. Here’s what’s typically included:

  • Inpatient and outpatient care
  • Detox programs
  • Therapy and counseling
  • Medication management (If medications are part of your recovery plan, Cigna may help pay for prescriptions. These can ease cravings and other physical signs. They can also support long-term sobriety).

What are the Limitations and Exclusions for Rehab Coverage by Cigna?

Cigna’s plans can be a lifeline, making rehab more accessible and affordable. But like any insurance, there are some limits and fine print you’ll want to know about upfront. Here’s what to keep in mind:

  • Therapy Sessions: Some plans cap the number of sessions you can attend. If you need ongoing support, check how many sessions your plan allows.
  • Inpatient Stays: If you’re considering inpatient rehab, confirm how long your stay will be covered. Some plans limit the number of days or weeks.
  • Treatment Types: Not every therapy or treatment option may be covered. Alternative approaches like art or equine treatment might not be included, depending on your plan.
  • Facilities: Luxury rehab centers or private rooms may not be covered. Cigna usually focuses on necessary medical care, not fancy amenities.
  • Outpatient Treatment: Services like individual, family, and group therapy are often covered. However, some plans may limit how often or how long you can attend.

The Fine Print: Costs and Restrictions

Even with robust coverage, there are a few things that could affect your out-of-pocket costs:

  • Coinsurance and Deductibles: Depending on your plan, you might be responsible for some of the costs. For example, Bronze plans typically cover 60% of costs, leaving you to pay 40%, while Platinum plans cover 90%, with you covering just 10%.
  • Pre-Certification: You may need to get the green light before starting to ensure it’s covered.
  • In-Network vs. Out-of-Network: Sticking with in-network providers usually means lower costs. If you go out-of-network, you might face higher out-of-pocket expenses.
  • Plan-Specific Restrictions: Coverage can vary based on whether you have a Bronze, Silver, Gold, or Platinum plan. Higher-tier plans generally offer more comprehensive coverage but come with higher premiums.
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Verifying Your Benefits & Network Option

How to Check if Your Cigna Plan Covers Rehab?

With a bit of legwork, you can get the clarity you need to make informed decisions about your treatment.

Here’s how to navigate the process step by step:

  • Call Cigna: Grab your insurance card and call the number on the back. A representative will explain your coverage details. This includes what is covered for inpatient, outpatient, detox, and aftercare services.
  • Check Online: Log in to your Cigna account through their website or app. Most plans let you verify benefits and check coverage for specific treatments.
  • Ask About In-Network Providers: Many treatment facilities are in-network with Cigna, which can save you a lot on out-of-pocket costs. Ask for a list of in-network options near you to make your search easier.
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Your Health Insurance Can Help Pay for Treatment

We Work With Most Major Insurance

We know that cost is a major factor for most people when seeking treatment for drug & alcohol abuse in Virginia. Novara Recovery Center works with most major insurance plans to help cover up to 100% of the costs associated with treatment at our program. To find out your personal options for treatment, get a free verification of insurance benefits right now by clicking the button below.

Securing Your Coverage

What are the Steps to Take for Cigna Rehab Coverage?

Here are some steps to help ensure the process goes smoothly after your official diagnosis. This is important if your condition is medically necessary.

Step 1: Verify Your Benefits

Before you begin treatment, it’s important to take a moment to clearly understand what your plan will cover. This includes:

  • Inpatient programs
  • Outpatient care
  • Detoxification programs
  • Therapy sessions (individual, family, or group therapy)
  • Medication management

Step 2: Get Pre-Authorization (If Needed)

With some Cigna health plans, you must get preauthorization before receiving certain services. This includes alternative treatments, programs, or inpatient rehabilitation.

This means you need to obtain the go-ahead from Cigna before starting any treatment to ensure coverage. It’s really important to contact Cigna early on because if you don’t, you might end up with unexpected bills or have your claim denied. Your treatment provider can help you submit the necessary paperwork to Cigna.

Step 3: Choose In-Network Providers

Where you go for treatment can make a big difference in what you pay:

  • In-Network Providers: These are rehab centers that have agreements with Cigna. They provide services to Cigna policyholders at lower rates. Choosing in-network can save you a lot of money.
  • Out-of-Network Providers: You can still use out-of-network facilities if in-network opinions are not a good fit for you. However, you will likely pay more out-of-pocket. Some plans may not cover these providers, so it’s worth checking beforehand.

Step 4: Ask the Right Questions

Don’t be afraid to ask as many questions as possible when talking to Cigna or your treatment provider. Here are a few to get you started:

  • What rehab services are covered (inpatient, outpatient, detox, etc.)?
  • Are there limits on the number of therapy sessions or days in treatment?
  • Do I need preauthorization, and how do I get it?
  • Can you provide a list of in-network rehab facilities near me?

What are the Factors that Determine Coverage for Rehab by Cigna?

Several factors influence Cigna’s coverage for rehab services, including:

  • The severity of Addiction: The type of care you need can affect what is covered. This includes intensive inpatient treatment or flexible outpatient programs.
  • Medical Assessments: Your coverage may require documentation from a healthcare provider to confirm that treatment is medically necessary.
  • Type of Treatment: Different services, like detox, counseling, or medication management, might have varying levels of coverage.
  • Your Plan Type: Cigna offers Platinum, Gold, Silver, and Bronze plans, each with different coverage levels and costs. The plan you choose will significantly affect what’s included.

What are the Alternatives if Cigna Does Not Cover Rehab?

Don’t lose hope if you find that Cigna’s coverage doesn’t fully meet your needs. There are still plenty of ways to access the treatment you deserve.

Here are some alternatives to consider:
  • Pay out of Pocket: If you can cover the costs yourself, paying for treatment upfront might be an option. While it can be expensive, some facilities offer discounts for self-pay patients.
  • Explore Financing Options: Many rehab centers understand that treatment costs can be overwhelming. They often provide payment plans that let you spread the expense over time, making it more manageable.
  • Look into State-Funded Programs: Government-funded programs can be a lifeline if you’re on a tight budget. These programs often provide low-cost or even free addiction treatment for those who qualify.
  • Reach Out to Non-Profit Organizations: Some non-profits are dedicated to helping people access the care they need. Many offer free or low-cost rehab services, so it’s worth researching what’s available in your area.
  • Ask About Sliding Scale Fees: Some treatment centers adjust their fees based on your income. This means you’ll pay what you can afford, making rehab more accessible.

Regardless of your financial status, you can find assistance. The key is to explore your options and reach out to resources that can support you on your journey to recovery.

We Are A Rehab That Accepts Cigna Insurance

Take the First Step: Verify Your Cigna Insurance for Rehab at Novara Recovery Center

If you are in Fairfax, Virginia, or close by, we can help. Novara Recovery Center offers support for addiction. We are here for you.

We are located at 2815 Old Lee Hwy Floor 2, Fairfax, VA 22031. We are proud to be an in-network provider with Cigna Insurance. This helps make our quality rehab services accessible and affordable.

Whether you need an inpatient program, mental health treatment, or outpatient health care, we will work with you. Together, we will create a recovery plan that fits your needs and lifestyle. When you’re ready to begin, our team is here to guide you through every stage of the process.

We will help you understand your Cigna Insurance benefits and match you with the right program for your journey. We can quickly verify your benefits for you—at no cost and with no hassle.

Don’t wait to take control of your future. Reach out to us today at (703) 705-7870 or info@novararecoverycenter.com for a no-cost insurance verification. Together, we can take this vital step toward building the healthier, happier life you deserve.

Written By:

Geoffrey Andaria mental health writer.
Novara Recovery Center

Mental Health Writer

About Writer:

Geoffrey Andaria is a seasoned writer and editor specializing in mental health content. With a B.A. in English and Journalism, he possesses a solid foundation in crafting freelance articles and conducting research. Geoffrey has also completed courses in social work. He dedicates himself to providing valuable and informative content for individuals impacted by mental health challenges and addiction.

Medically Reviewed By:

Carl Williams medical expert.
Novara Recovery Center

Expert Contributor

About Reviewer:

Dr. Williams is currently a board member for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, located in Philadelphia, Pennsylvania.

He possesses a Ph.D. in Clinical Psychology from Union Institute and University, located in Cincinnati, Ohio. He holds a license to offer addiction counseling in both New Jersey and Connecticut. Additionally, he has submitted an application to become a licensed psychologist in New Jersey.

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