Cigna Addiction Treatment

A major concern for anyone seeking a drug rehab program is whether or not insurance pays for this treatment. Phoenix Rising Recovery in Palm Desert, California, accepts multiple brands of health insurance. These include Aetna, Optum, Tricare, UnitedHealthcare, Blue Cross Blue Shield, Humana, and Cigna. If you need Cigna addiction treatment, we can provide it. To learn about your precise benefits and what your Cigna policy pays for, call Phoenix Rising today. We can provide Cigna insurance verification for rehab.

Your Health Insurance Pays for Cigna Addiction Treatment

Thanks to the legislation of the past several years, your health insurance works to pay for your Cigna addiction treatment, just as it pays for other healthcare needs. These law changes occurred mainly because the American Medical Association publicly recognized addiction as a legitimate disease. By doing so, health insurance companies must provide benefits for this disease, just like it does for any other kind.

What does this mean for you? It means that the care you receive in a Cigna drug rehab and under the terms of your insurance policy must be equally paid for. This is comparable to what your policy covers for heart disease, asthma, diabetes, or cancer. When you have insurance that provides payments for office visits, lab tests, screenings, assessments, medications, and hospitalizations for those other diseases, it must provide the same for addiction recovery.

In the past, health insurance could deny any payment for drug or alcohol addiction treatment. You could even lose your policy altogether if the insurance company found out you suffered from addiction. Today, however, insurance companies provide assistance to help you overcome substance use disorders.

How does treating your addiction help the insurance company save money? First, consider how having a substance use disorder is detrimental in many ways. It makes you more likely to visit the ER for overdoses, infections, and other diseases, for instance. Second, it also makes you more likely to require hospitalization and treatment for a wide variety of long-term diseases. This means helping you overcome your addiction is in the insurance company’s best interest.

What Level of Care and Which Services Does Your Cigna Insurance Support?

When you undergo an addiction assessment from your doctor, it establishes your medical need for drug rehab treatment. This assessment confirms to the insurance company that you will not get well on your own. Additionally, it shows you will continue suffering an addiction unless you receive therapy and the right level of care in Cigna addiction treatment.

Fortunately, when entering Cigna drug rehab in Palm Desert, California, your insurance company advises what level of care it financially supports. For example, if your assessment shows a severe addiction, then your insurance covers programs like detox and residential rehab treatment. A mid-level addiction usually justifies the insurance company paying all or part of your detox with PHP (partial hospitalization program), IOP (intensive outpatient program), or OP (outpatient) programs. Of course, this varies from person to person and which policy they have in place.

Whatever the level of care your insurance supports, your policy usually also covers therapies and other treatments. This means you suffer less out-of-pocket cost when receiving the treatment accepted by your policy. Of course, you have the option to request a higher level of care if you believe you need more inclusive treatment. After all, your treatment is about achieving your best chance of long-term recovery.

Does Cigna Need To Be In-Network?

Some Cigna plans require a treatment center a customer uses to be in-network, while others do not. Sometimes using a center that is out-of-network increases the person’s out-of-pocket expenses. It’s important to check with Cigna to determine the details of any addiction program a person is interested in.

The company can explain exactly how much they cover, how much of the deductible has been met, and what cost the individual will be expected to cover. If a customer plans to use an out-of-network treatment program, they should check with Cigna first in case they require a pre-certification.

What Therapies are Included in Cigna Insurance for Drug Rehab

Your Cigna drug rehab in Palm Desert, California includes the therapies and treatments you need for a better future that allows for complete recovery. At Phoenix Rising, these therapies and treatments include:

Detox and sober living
Residential, PHP, IOP, and OP rehab programs
Dual diagnosis treatment
Extended 90-day treatment
Psychodrama, trauma therapy, and individual therapy
Neurofeedback and biofeedback therapy
Fitness center with pool, recreation room, and jacuzzi

When you complete your rehab treatment at Phoenix Rising, you do not leave the program without aftercare plans in place. Instead, you maintain support from caring staff and your peers through sober living, alumni events, one year of case management, and job placement services.

How Do I Pay Costs Not Covered By Cigna Insurance?

If part of the addiction treatment you require is not covered by your insurance, do not let that hinder your plans to get the help you need. In fact, the admissions team at Phoenix Rising Recovery can suggest alternatives for ways to pay for any treatment not covered by insurance. We will work with you to find out how you can accomplish your treatment goals with an eye on how to manage your budget.