Do you have Cigna health insurance? If so, you’ll be happy to know that Cigna offers coverage for substance use and mental health disorders. Forward Health in Ohio accepts Cigna, and you can verify your benefits in just one phone call. Our admissions team will be able to tell you more about what your insurance covers and what you can expect to pay out of pocket.
Let’s learn more about Cigna health insurance and how it can help you pay for drug rehab in Ohio.
What is Cigna Health Insurance?
Cigna is a global health services company that provides insurance to over 180 million people around the world. They have several different policies, but most provide coverage for substance use disorders. The easiest way to find out what your specific policy covers is by calling Cigna directly or contacting a potential treatment center to run your benefits.
Cigna plans break down into bronze, silver, gold and platinum. Typically, these plans cover detox, inpatient treatment, outpatient treatment, prescription medications and behavioral health therapy. However, keep in mind that you will be responsible for any copays, coinsurance or deductibles your insurance requires.
What Length of Treatment Does Cigna Cover?
Typically, Cigna covers 1 to 6 weeks in inpatient rehab and 4 to 12 weeks in intensive outpatient rehab. Your coverage depends on your particular plan and what is deemed medically necessary. Your primary care physician or addiction specialist can determine what level of care you need and for how long.
It’s also important to know that Cigna will pay for multiple stays in rehab. Relapse is not uncommon, especially in the first year of treatment, so some people need multiple rehab stays. Cigna will cover this if it’s deemed medically necessary.
What Types of Care Will Cigna Cover?
Since each plan is different, you may pay differently for the services you receive. For example, prior approval may be required, or you may have to choose an approved Cigna healthcare partner. This is why it’s important to speak with your insurance company so that you can maximize your benefits.
Here is what a typical Cigna plan will cover:
- Detox. Under the Affordable Care Act, insurance companies are required to cover detoxification services.
- Inpatient treatment. Cigna covers inpatient care for common addictions like opioid addiction, cocaine addiction and alcohol addiction.
- Outpatient treatment. Your insurance should pay at least some portion of outpatient treatment, especially if you’ve met your deductible.
- Prescription medications. Cigna often covers prescription medications used in addiction treatment, including medication-assisted therapy.
- Behavioral health therapy. It is common for Cigna to cover behavioral health therapy during substance use treatment.
Forward Health Accepts Cigna Health Insurance
If you have Cigna health insurance, you likely have some benefits that will help you pay for treatment. For remaining out of pocket costs, you can pay with a credit card or personal loan. Forward Health keeps our costs as affordable so that more people can get the help they need. To verify your benefits and find out how much treatment will cost for yourself or a loved one, contact Forward Health today.