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Cigna New York Insurance Coverage for Drug and Alcohol Rehab Centers Near You

Yes. Cigna New York covers drug and alcohol rehab. strives to provide you with the most updated information on each carrier's addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.
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Cigna New York: Rehab & Detox Centers in NY That Take Cigna Insurance

When someone thinks of New York, New York City is likely the first place that comes to mind. While “the city that never sleeps” is known for its famous boroughs, immense skyscrapers, fashion influence, and so much more, upstate New York is home to breathtaking landmarks like Niagara Falls and the Adirondack Mountains.1 With a population of over 19.5 million, people from around the globe flock to New York to experience its world-renowned diversity and culture.1,2

Like most states, substance use disorder continues to pose a significant public health crisis in New York. Between 2017–2019, 7.1% (1.2 million) of New Yorkers reported past-year substance use disorder.3 p.32 Opioids—particularly fentanyl—are at the forefront of many drug overdoses.4 Message from the Comptroller From 2010 to 2020, opioid-related deaths in New York increased by nearly 300%.4 Message from the Comptroller In 2021, there were 2,668 overdose deaths in New York City alone.5 p.1 key findings Fentanyl was involved in more than 80% of those deaths.5 p.1 key findings

New York’s state government continues to develop prevention, treatment, recovery, and harm reduction services to fight addiction and expand access to care.6 If you or someone you love are struggling with addiction, there are several options for assistance in New York.6 If you have Cigna New York, a portion—if not all—of the cost of addiction services will be covered.

Does Cigna New York insurance cover Inpatient Alcohol and Drug Rehab Centers?

Yes, Cigna New York insurance covers inpatient alcohol and drug rehab centers. Treatment services like medical detox, outpatient programs, behavioral therapies, and addiction aftercare could also be covered under your Cigna New York insurance. Your level of coverage will depend on your Cigna New York insurance policy.

To find out what’s covered under your specific plan, call the number on the back of your insurance card. You can also reach out to the rehab center you’re interested in attending and have them check your benefits based on the information you provide. American Addiction Centers (AAC) can verify your insurance. Contact us by phone, online chat, or fill out the SSVOB form below for more information on your Cigna New York coverage.

What is Cigna New York?

Cigna is a worldwide health services company that delivers top-quality healthcare through convenient programs.7 Cigna New York is a branch of Cigna that offers millions of New Yorkers a wide array of services, products, and resources.8 They provide various HMO, PPO, network, and Point-of-Service plans for individuals, families, and employers.7

Coverage for mental health and substance use disorder treatment is offered through most Cigna New York insurance plans.9 What are Mental Health benefits? Employer plans may include the following substance use and mental health benefits:9 What are Mental Health benefits?

  • A behavioral health network of licensed mental health providers
  • Mental health services and follow-up case management services
  • Consultations, outpatient services, and referral services
  • Referrals to local community support groups, behavioral coaches, and online resources
  • Inpatient and outpatient treatment services, combined with follow-up case management services
  • Individualized coaching and support programs

Providing access to quality care and the best treatment options is a top priority for Cigna New York. Hundreds of in-network rehab centers and licensed therapists are available throughout the state.10

What Substance Addiction Does Cigna NY Rehab Treatment Centers Cover?

Access to rehab facilities and other addiction services is available through Cigna New York insurance, no matter which substance you’re misusing. Typical substances of abuse you can receive treatment for through your insurance are:

  • Alcohol.
  • Cocaine.
  • Heroin.
  • Crystal meth.
  • Opioids.
  • Marijuana.
  • Prescription drugs.

How Much Does Cigna New York Cover (Addiction Treatment)?

Depending on your Cigna New York plan, some or all of your addiction treatment costs will be covered. Different factors can affect your level of coverage, such as your specific insurance plan, the type of treatment you require, and the length of your treatment. Treating addiction is a complex process that differs from person to person.11 p.5 #5 That’s why many services are available to treat addiction, including:11 p.32-37

  • Inpatient and residential rehab: For people with severe addictions, inpatient and residential rehab can be particularly helpful. They provide a supportive space to live while in recovery and separate from your daily environment. Most standard programs last between 30 and 90 days. In inpatient rehab, you build healthy coping skills to better handle addiction triggers and promote long-term sobriety.
  • Outpatient rehab or therapy: Outpatient services are often effective in treating mild to moderate addictions. You can still live at home while focusing on developing coping skills to fight addiction triggers and prevent relapse. Like inpatient rehabs, therapeutic interventions like medical detox and behavioral therapies are available.
  • Intensive outpatient programs (IOPs): IOPs are more rigorous outpatient programs that require you to visit a treatment center multiple times a week based on your schedule. You can also continue living at home while attending an IOP.
  • Partial hospitalization programs (PHPs): PHPs or day programs allow you to live at home while seeking treatment and are similar to inpatient rehab. You must visit a treatment facility at least 5 days a week for about 5 hours a day.

Does Cigna New York Insurance Cover Mental Health Care Treatment Facilities?

The Affordable Care Act (ACA) considers behavioral and mental health care an essential health benefit.12 Because of this, all insurance companies are required to provide coverage for mental health care and substance use treatment.12 Therefore, Cigna New York will always cover a portion of treatment costs for stand-alone rehab and co-occurring disorders.

Co-occurring disorders or “dual diagnoses” occur when a person suffers from substance use disorder and at least 1 mental health illness.13 intro Mental health disorders like anxiety, depression, bipolar disorder, schizophrenia, post-traumatic stress disorder (PTSD), and attention-deficit/hyperactivity disorder (ADHD) often coincide with addiction.11 p.12 Nearly half of the 21 million people suffering from substance use disorder also have a mental health illness.13 intro

It’s not clear whether one disorder causes the other, but mental health professionals have found them to occur in 2 different ways.13 does one cause the other? Someone with a substance use disorder can develop a mental illness from the prolonged, excessive use of alcohol and drugs.13 does one cause the other? A person with a mental health disorder can also form an addiction by trying to alleviate the symptoms of their illness with substances.13 does one cause the other? Despite how they occur, mental health professionals agree that both illnesses should be treated at the same time for long-term sobriety.11 p.26

How Long Does Cigna New York Insurance Cover Inpatient Alcohol and Drug Rehab program?

The length of Cigna New York coverage you receive for inpatient alcohol and drug rehab programs will vary based on your specific plan. Treating addiction is unique to the person, and what works for one person may not work for another.11 p.5 #5 The amount of time you spend in treatment will depend on the severity of your addiction and your specific needs.11 p.5 #5

Still, mental health professionals agree that longer treatment times produce the most effective results.11 p.5 #5 Addiction recovery is a long, often difficult process, sometimes requiring multiple times in treatment. 11 p.5 #5 Research shows that remaining in treatment for at least 3 months or longer will heighten the chances for significant outcomes.11 p.5 #5

The longer you spend in treatment, the more your costs will increase. You may be wondering how long your Cigna of New York insurance will cover treatment. Because there are so many different tiers of coverage and types of policies, the duration of time covered by your insurance will be based on your specific plan.

To learn more about how long your Cigna of New York insurance will cover treatment, call the number on the back of your insurance card, reach out to the rehab you’re interested in, or contact AAC for assistance.

What if my Cigna New York policy does not cover an Inpatient drug rehab program?

Don’t be discouraged if your Cigna New York policy doesn’t cover an inpatient drug rehab facility you’re interested in attending. Many other options to pay for treatment are available depending on your eligibility. Grants, scholarships, and other financial aid to support addiction treatment are available through many federal, state, and local organizations. Some, if not all, of the costs for several addiction treatment services could be covered through:

  • The Affordable Care Act (ACA): People with low or no income can receive assistance from the ACA to cover addiction treatment services.12
  • Government-funded programs: The Substance Abuse and Mental Health Services Administration (SAMHSA) offers block grants for high-risk and at-risk populations. Anyone struggling with addiction, especially IV drug users, mothers, and expecting mothers, is encouraged to apply for financial assistance for substance abuse treatment.14 What is a Block Grant?
  • State-funded rehabs and local assistance: Many state and local organizations provide scholarships to partially or fully cover the costs of addiction treatment services like medical detox, inpatient rehab, outpatient services, and behavioral therapy.
  • S. Department of Veterans Affairs (VA): Veterans struggling with addiction or mental health issues can receive support from the VA. Financial aid is available for various services, like medical detox, medication-assisted treatment (MAT), outpatient therapy, and mental health treatment, depending on eligibility.15 What services does VA provide for Veterans with substance use problems?
  • Loans and financing: Banks and lenders specializing in funding substance use treatment offer loans for financial assistance. Taking a private loan is also possible if you know someone who can fund your recovery.

Getting the treatment you need is most important. Instead of pushing it off for another day, find out about more ways to pay for treatment.

Cigna New York In Network vs. Out of Network Inpatient Drug Rehab Centers

Your Cigna New York insurance plan will include a list of in-network providers. In-network providers are doctors, hospitals, and other healthcare specialists contracted through Cigna New York to provide various medical services to members.

Choosing an in-network provider guarantees at least a portion of your costs for treatment will be covered. You may still have to pay out-of-pocket costs like deductibles or copays, but if you choose an out-of-network provider, you’ll likely pay most costs on your own.

To check if a treatment provider is in your network, contact the provider directly, call the number on the back of your insurance card, or reach out to AAC for assistance.

How to find Cigna New York covered Inpatient drug treatment centers in NY?

AAC can verify your insurance and help you find inpatient drug rehab centers covered under your Cigna New York policy. If you call our helpline, you can speak directly with a representative who can check your benefits right while you’re on the phone. You can also receive assistance through online chat. Every year, hundreds of people attend rehab financed through Cigna New York.

AAC offers access to some of the top treatment centers in the nation. Our professionals understand that everyone is unique and provide individualized treatment plans and specialized programs to best fit your needs.

Sunrise House Treatment Center in Lafayette, New Jersey, is our closest facility to New York. It offers a welcoming environment for recovery and peace, surrounded by mountains and nature. With world-renowned evidence-based therapeutic interventions, this center encourages dynamic healing. Several addiction services, such as medical detox, inpatient rehab, cognitive-behavioral therapy, and intensive outpatient treatment programs are available.

Starting the road to recovery can be stressful and sometimes confusing. Knowing what’s covered under your Cigna New York insurance can make finding treatment easier. If you’re ready to seek help for your addiction, AAC is here to provide the resources and support you need to succeed in your recovery journey. Contact us today to learn more about your specific Cigna New York insurance plan and other ways to pay for treatment.

Cigna Approved Rehab Centers 

American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a Cigna insurance plan, the following AAC facilities accept Cigna for drug and alcohol addiction rehab.

  • AdCare Rhode Island: With various facilities located in Rhode Island, AdCare provides innovative, quality, and cost-efficient addiction treatment. Its integrated system of care offers an inpatient treatment center in North Kingstown and a network of outpatient offices throughout Rhode Island. AdCare’s continuum of care includes detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, inpatient and outpatient services, and tele-health.
  • Sunrise House Treatment Center: Located in Lafayette Township, New Jersey, Sunrise House provides treatment for people suffering from substance abuse from a medical and holistic standpoint. With various evidence-based therapeutic interventions, personalized care is provided through detox, residential treatment, dual-diagnosis treatment, and outpatient services.

There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by Cigna insurance.


  1. New York Department of Economic Development. (2023). Discover New York.
  2. (2023). QuickFacts: New York.
  3. Substance Abuse and Mental Health Services Administration. (2019). Behavioral health barometer New York, volume 6.
  4. Office of the New York State Comptroller. (2022). Continuing crisis drug overdose deaths in New York.
  5. (2023). Unintentional drug poisoning (overdose) deaths in New York City in 2021.
  6. New York State Office of Addiction Services and Supports. (2023). Funding to support opioid treatment programs.
  7. Cigna.(n.d.). Company profile.
  8. (n.d.). Cigna.
  9. Cigna.(n.d.). Mental health and substance use benefits.
  10. Cigna.(n.d.). Find a doctor.
  11. National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: A research-based guide (third edition).
  12. (n.d.). Affordable Care Act (ACA).
  13. National Alliance on Mental Illness. (n.d.). Understanding dual diagnosis.
  14. Substance Abuse and Mental Health Services Administration. (n.d.). Substance abuse and mental health block grants.
  15. S. Department of Veteran Affairs. (2022). Substance use treatment for veterans.
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