Do Drug and Alcohol Rehab Centers Take Cigna Insurance?

Does Cigna Cover Mental Health Rehab?

Yes, Cigna health insurance plans usually cover mental health rehab, which includes treatment for mental health conditions such as depression, anxiety, bipolar disorder, and schizophrenia. In addition, their insurance plans usually include coverage for mental health treatment services, including inpatient and outpatient rehab, therapy, and other related services.

The following is a partial list¹ of services that your Cigna mental health rehab benefits may include:

• Individual Therapy: You’ll speak with a qualified mental health specialist like a psychologist, social worker, or counselor. Treatment methods may include cognitive-behavioral therapy (CBT) or dialectical behavior therapy (DBT).
• Group Therapy: Meeting with a group of individuals who are working on similar mental health issues
• Inpatient Care: A patient stays in a hospital or residential treatment facility to obtain round-the-clock care and assistance for a mental health condition
• Intensive Outpatient Program (IOP): More structured and intensive treatment for mental health conditions than traditional outpatient therapy
• Medication Management: Costs and managed care for medications used to treat mental health conditions, such as antidepressants, antipsychotics, and mood stabilizers
• Neuropsychological Testing:² Find out how a mental health issue affects your capacity for thought, concentration, problem-solving, or memory through evaluation(s)
• Outpatient Care: Visiting a mental health clinic or therapist's office for therapy sessions and other treatment services
• Partial Hospitalization Programs (PHP): Several hours a day in a hospital or residential treatment center for mental health treatment
• Telehealth and Virtual Care: Options for mental health treatment, such as online therapy sessions or virtual support groups
• Wellness Programs: Resources to support the health and well-being of its members

Inpatient and Outpatient Rehab Centers That Take Cigna Insurance

With multiple treatment locations in several states, Virtue Recovery Center has been saving individuals from substance abuse and rebuilding families for years. The Joint Commission accredits all of our inpatient and outpatient facilities. We are also HIPAA compliant and National Association of Addiction Treatment Providers (NAATP) members.

Below you'll find links to all of the Virtue Recovery Center treatment facilities:

• Astoria, Oregon
• Chandler, Arizona
• Houston, Texas
• Killeen, Texas
• Las Vegas, Nevada
• Sun City West, Arizona

How Much Does Rehab Cost With Cigna Insurance?

There are four tiers from which to choose with Cigna insurance. Each includes substance use treatment. However, with Cigna rehab coverage, rehab costs can vary depending on several factors, including your plan, treatment type, provider, and other variables. Below is a general overview of Cigna’s four tiers of coverage:³

• Bronze: You are responsible for 40% of the cost of your medical care, and Cigna will pay the remaining 60%. Additionally, this tier has the lowest premiums of all the alternatives.
• Silver: With a 30% out-of-pocket payment required, the silver tier covers around 70% of your expenses. The premiums are high compared to bronze but inexpensive compared to the following two tiers.
• Gold: Only 20% of your expenses are out-of-pocket. However, to offset the out-of-pocket costs, you also have higher premiums.
• Platinum: Platinum has the highest premiums but covers practically all your medical expenses, leaving you with only a 10% out-of-pocket expense.

Cigna may cover all or part of the cost of inpatient and outpatient services and other types of treatment, such as medications and psychotherapy, which can significantly reduce your out-of-pocket expenses. In addition, some rehab centers are part of the Cigna rehab provider networks, meaning they have an agreement with the insurance company to provide services at a negotiated rate. This usually results in lower out-of-pocket costs.

However, it's necessary to remember that people with Cigna insurance could also have deductibles, co-pays, or other out-of-pocket expenses before their insurance coverage begins to pay.

The average cost of outpatient drug rehab with insurance is between $1,000 to $5,000 for a 30-day program. The typical monthly cost of inpatient rehab with insurance is $5,000 to $25,000 or more, depending on many variables.⁴ It's important to keep in mind that this is merely an estimate and that the final cost may differ significantly based on the particular treatment facility, the area, and other aspects.