Cigna Health Insurance Providers

Although coverage varies depending on your individual plan, recovery services may consist of:

• • Drug treatment
  • Alcohol treatment
  • Drug & alcohol detoxification
  • Services & resources for addiction
  • Counseling & therapy for addiction

For those facing drug or alcohol addiction, Cigna provides their very own Behavioral Health division. Cigna Health provides great resources to all members and their families. Cigna now offers an educational series for addiction, as well as blog posts, videos and podcasts. This education series offers physical, mental and emotional signs of addiction. Very similar to how we describe addiction at Serenity Springs as a three-part disease of the mind, body, and spirit. Check out their series to learn more about recovery from addiction. As always, we recommend consulting with a doctor or other medical professional regarding treatment for behavioral and substance abuse issues.

Cigna Policy Coverage for Substance Abuse

Depending on your Cigna plan, your benefits and coverage will vary. For instance, Cigna’s lowest plan – bronze – offers lower premiums, but individuals may face higher deductibles and out-of-pocket expenses. But for those with gold or platinum plans, you receive more comprehensive coverage with lower deductibles. In regards to substance abuse treatment, the services insurance covers and the expenses you will be responsible for depend greatly on the type of plan and the state you reside in. Contact your health insurance provider to review your policy and determine the types of treatment services that are covered by your plan.

Do Treatment Centers Need to be In-Network?

While not all Cigna plans require your treatment center to be in-network, it’s important to note that using an out-of-network provider usually increases your out-of-pocket expenses. Some plans may not cover any out-of-network services, leaving you with the entire bill. However, other plans will cover certain portions after a deductible or coinsurance has been met. Many out-of-network treatment options require a pre-certification. This involves Cigna reviewing the request against nationally recognized guidelines. In cases that require a pre-certification, Cigna will determine what services are covered based on your plan. Refer to your policy or call the number on the back of your insurance card to find out what treatment options are available to you.