Does Cigna Insurance Cover Opioid Treatment? | Cigna Insurance Coverage

Cigna Insurance Coverage for Opioid Rehab and Treatment

Questions about treatment?
  • Access to licensed treatment centers
  • Information on treatment plans
  • Financial assistance options
We're available 24/7
Call (877) 640-1943Treatment Solutions - help information

Cigna is a global provider of comprehensive health insurance coverage for businesses and individuals in more than 30 countries around the world. This company offers a wide range of healthcare insurance options, as well as vision, dental, and coverage for prescription drugs. Additionally, Cigna offers different personal protection and wellness services and products and treatment solutions for drug and alcohol addictions.1

Cigna healthcare insurance plans generally include nationwide opioid and drug addiction treatment and rehab coverage. Under Mental Health Parity and Addiction Equity Act from 2008, all providers of health insurance plans must treat all addiction recovery programs in the same way as surgical or medical services or treatments.2

Almost 50,000 individuals every year lose their life owing to opioid or drug overdose, and more than ten million people misuse these substances. In fact, 72% to 80% of all deaths are opioid overdoses.3

If you’re unsure whether Cigna covers drug treatment and rehab, the answer to the question is yes. This health insurance company has more than 175,000 behavioral and mental health care providers within the network and they’re always ready to provide assistance to individuals battling their opioid addiction.1

Cigna insurance coverage for opiod treatment facilities

What Can Cigna Insurance Cover for Different Types of Opioid Treatment?

The majority of Cigna healthcare insurance plans provide coverage for a variety of addiction and mental health treatment programs. Depending on your exact insurance plan you have with this provider, your coverage may include some or all of these services:4

Screening & Intervention

Professional screening and expert interventions are an essential in early addiction detection and treatment. Discovering your addiction as early as possible stops it from developing further and becoming a more severe problem, while an intervention serves as an opportunity to understand the resources at your disposal for treating your addiction.4

Medical Detox

Detox is one of the first and most important steps in any Cigna-covered addiction treatment program upon entering it. This is a process designed to help individuals eliminate the toxins from their body. However, medical detoxification can also be a dangerous procedure owing to a number of withdrawal symptoms, making professional supervision necessary.4

Inpatient Rehab and Treatment

Inpatient opioid and drug addiction treatment is integral in the process of recovery. It offers a supportive and safe environment that allows individuals to fully commit to their recovery process without experiencing any real-life distractions and difficulties. This type of drug and opioid treatment also helps avoid any possible triggers.4

Outpatient Rehab and Treatment

Outpatient addiction treatment programs generally consist of a combination of behavioral therapy and counseling to help individuals deal with their drug and opioid addiction. However, it doesn’t involve staying at the treatment facility but rather visiting the center for scheduled sessions.4

Behavioral Therapy

The main purpose of behavioral therapy is to help the patient better understand the changes in behavior they’re experiencing and which can contribute to their existing addiction. Another important aspect of behavioral therapy is helping patients learn how to adequately cope with temptation and stress without turning to alcohol or drugs.4

Co-occurring Disorder Treatment

Co-occurring disorders usually receive treatment together with addiction rehab. After undergoing dual diagnosis and comprehensive assessment, the individual will receive the necessary treatment for both existing issues. This involves different therapy procedures according to the person’s needs. The most common treatment procedures designed to tackle co-occurring disorders are education, therapy, and medication.4

What Areas Will Cigna Not Cover for Opioid Treatment?

Cigna rehab coverage typically does include drug and opioid addiction treatment. However, there are some aspects that this insurance provider won’t cover, such as:5

  • Non-essential medical amenities, including private TV or phone access, private nurses, and private rooms.
  • Holistic care service, including massage and acupuncture.
  • Recreational programs, including golf and horseback riding.
  • Food delivery service
  • Private centers for treatment and rehab
  • Alternative therapy procedures, including meditation and yoga.

What Is the Possible Cost of Treatment for Opioid Addiction?

The expenses related to opioid and drug rehab programs depend on several different factors, such as:2

  • Services offered as part of the treatment and rehab.
  • Intensity of included services.
  • Overall treatment duration.
  • Amenities included in the treatment.

The costs associated with opioid treatment vary according to several elements. However, you can get an idea of how much your actual treatment could cost based on current price estimates of certified programs for opioid treatment. Depending on the exact program and the elements it includes, the price ranges from $6,550 to $14,110. However, it’s good to know that Cigna provides full or at least partial insurance coverage for different substance abuse treatment programs.6

Cost of Inpatient Drug and Opioid Rehab

Inpatient treatment for opioid addiction is an essential step for most individuals trying to overcome their addiction. It transpires in a secure, safe, and nurturing environment designed specifically to foster rehabilitation and detox, allowing individuals ample time to bring their lives back to normal. This is often the most suitable option that offers the best results for overcoming addiction.4

The costs of participating in one of inpatient drug treatment and rehab programs available nationwide depend on several factors. First and foremost, the longer the program lasts the higher the price is. Recommended treatment duration ranges from 30 days to as many as 90 days, or even longer.4

However, the slightly higher costs when compared to other programs are worth it because inpatient treatment centers for opioid addiction offer continual access to psychological and medical wellbeing services, such as drug administration, counselor meetings, and group therapy sessions.4

Cost of Outpatient Drug and Opioid Rehab

Outpatient drug and opioid rehab facilities located nationwide don’t require patients to actually live within the center. Instead, patients live at their homes while attending scheduled treatment sessions. Generally, programs such as these are not as expensive as inpatient or reputable residential drug treatment facilities and are better suited for individuals with families and jobs.4

Participating in outpatient opioid rehabilitation mostly involves medication therapy, group counseling, and individual counseling sessions. The price of the rehab itself mostly depends on the duration, the type of program, and the frequency of sessions.4

Cost of PHP – Partial Hospitalization Programs

PHP refers to a type of opioid and drug addiction treatment that offers intensive and structured daily treatment while allowing individuals to reside at their homes for the duration of the program. Patients have to attend this program during several hours of every day, participating in various services, including drug testing, counselor meetings, and individual and group therapy sessions.7

How much this type of program costs depends on the location, duration of treatment, services included, and the amount of Cigna insurance coverage you have for addiction treatment and rehab. Generally, costs of PHP are higher when compared to outpatient programs, but lowered in comparison to inpatient facilities.7

Cost of MAT – Medication-Assisted Treatment

Medication-assisted treatment is one of the most common types of drug treatment and rehab programs available to individuals nationwide. Cigna healthcare insurance offers coverage for plans that include MAT as part of their program. Methadone therapy, the most common treatment type, costs approximately $126 on a weekly basis.6

On the other hand, the costs of Buprenorphine-assisted treatment are $115 every week, while treatment that includes the use of Naltrexone generally costs $1,176 a week. These costs cover both the necessary medication as well as any related services, including drug administration, therapy, counseling, and medical support.6

As for the price of MAT treatment, the above mentioned are averages and it can vary depending on several factors, such as the location of the program, the substance abuse treatment provider, and the actual treatment type you choose to undergo.6

How Opioid Treatment Cost Compare to the Cost of Ongoing Opioid Addiction

Opioid and drug treatment programs can be very expensive, especially if you only receive partial Cigna insurance coverage. However, it’s essential to know that not treating your addiction and allowing it to develop can lead to even higher costs down the line. Untreated abuse of opioids and drugs fosters higher and broader costs that also include, besides personal finances:6

  • Costs related to work inefficacy.
  • Casualties due to your substance abuse, such as DUI.
  • Opioid overdose treatment.
  • Enhanced probability of infectious diseases and ensuing treatment costs.
  • Treatment related to infants who are born with dependence to opioids.
  • Costs related to criminal justice.

Comparing the price of substance abuse treatment programs with these potential costs shows that they constitute a fraction you can incur if you choose not to treat your addiction. For example, 2013 statistics show that the overall costs associated with overdoses and disorders stemming from opioid use in the United States were $78 billion. From that number, only 3.6% were related to actual treatment programs.6

What Duration of Opioid Treatment Can Cigna Insurance Cover?

The exact duration of opioid or drug treatment and rehab depends on the exact needs of each individual patient. People progress at different paces, so there isn’t a single unified approach that fits each patient. However, longer treatment periods are usually linked to more positive outcomes.5

Generally, struggling individuals experience best possible program outcomes with longer treatment durations, typically 90 days. However, there are individuals who also require longer treatments to successfully reduce or overcome their opioid or drug addiction.5

Different Cigna health insurance policies provide different amounts of coverage for varying lengths or treatment. This is why you need to reach out to your health insurance provider by contacting the Cigna helpline number located right on the back side of your card and ask about your existing coverage and benefits. What’s more, they’ll help you locate a suitable in-network or out-of-network rehab and treatment facility you can attend with full or partial coverage.2

Should I Enroll in Outpatient or Inpatient Cigna-Approved Opioid Rehab Centers?

The length and the type of treatment offered at Cigna-approved outpatient and inpatient drug and opioid treatment centers varies depending on the program you choose to enter. Outpatient facilities don’t require the individual to stay at the premises for the duration of the treatment, while inpatient drug rehab centers available nationwide involve the patient staying at the facility until they finish the rehab. Typically, your doctor is in charge of suggesting the most appropriate type of treatment for your individual situation.8

Both inpatient and outpatient drug and opioid rehab and treatment share some essential components, including behavioral treatment, 12-stem program, education, medical care, and family therapy. The choice between these solutions depends on a wide range of factors, such as:8

  • Your emotional and mental health.
  • Your housing situation.
  • Your level of support from the individuals in your environment.
  • Your opioid addiction severity.

There are advantages to both inpatient and outpatient programs. However, inpatient substance abuse treatment facilities generally offer several additional benefits that can play an essential role in overcoming addiction and preventing relapse, such as:5

Also, it’s worth mentioning that in some states, you can file a petition with the court to order your loved one into a court-mandated case assessment, which is a precursor to involuntary rehab. In the state of Florida, this is called the Marchman Act. If you’re unsure about how to approach this kind of situation, reach out to a helpful substance abuse hotline and inquire about the problem.5

What Is the Best Way to use Cigna Health Insurance for Opioid Rehab and Treatment

If you have one of Cigna healthcare insurance plans, you should first reach out to the Cigna hotline by dialing the number located on the back of the insurance card and find official support. Also, you can contact any of the dedicated local helplines for helping individuals with addiction and inquire about the necessary information.2

From there, you may receive a case manager capable of providing additional information on the available deductive Cigna-covered outpatient or inpatient rehab facilities nationwide or close to your home in an attempt to locate the most suitable program you can financially afford.2

What’s more, you can choose to directly contact a preferred provider of drug and opioid rehab programs and attempt to find out if they are one of the Cigna-approved substance abuse facilities and they accept their rehab coverage.1

For example, American Addiction Centers employs a team of expert admission specialists capable of helping you confirm your exact treatment insurance coverage, provide an array of varied payment options, help you explore all the available options for financing, perhaps even find a respectable state-funded treatment center, as well as provide all the details you require. Finally, after a comprehensive case assessment, they’ll offer advice on the best possible treatment course.

How Can I Locate In-Network Cigna Opioid Rehab Centers?

American Addiction Centers focuses on offering reasonably-priced and high-quality treatment options to individuals struggling with addictions. They know that financing your treatment can be very challenging, which is the reason they cooperate with all the major providers of health insurance to assist you in securing the necessary care at a respectable Cigna rehab and treatment center. You can get in touch with them today and inquire how they can help your loved one or you overcome addiction.1

The American Addiction Centers hotline is a comprehensive resource for all individuals looking for help understanding the nuances of private pay benefits. This staff of this hotline consists of trained and experienced admissions navigators capable of helping individuals inspect their health insurance package, offer several suitable and affordable payment solutions, and bring them one step closer to receiving the treatment they require.

Cigna has active working relationships with more than 1.5 million providers of health care, clinics, and facilities, as well as 17 million customers across the globe. They also have numerous in-network facilities for substance abuse treatment equipped to assist struggling individuals with their opioid or drug abuse disorders.1

AAC also has many reputable treatment facilities nationwide that specialize in providing high-quality opioid and drug rehabilitation and treatment programs. American Addiction Centers have a staff of licensed and experienced professionals adept at providing evidence-based treatment. You can reach out at any time.

Besides helping you with your drug or opioid addiction, they can also provide invaluable assistance with your alcohol addiction. AAC can help you find the most suitable alcohol treatment facility, whether you’re looking for an outpatient or inpatient rehabilitation center.They’ll also provide you with important pieces of information, such as sharing knowledge about the potential for alcohol overdose, guidance on how long alcohol remains in your system and affects your life, and many other important info. Finally, they can connect you with reputable professionals who will determine the severity of your alcohol addiction.

 

 

Frequently Asked Questions


 

 


Will my insurance pay for treatment?
  • We’ll instantly check the coverage offered by your insurance provider.
  • You may receive treatment at one of our facilities at a reduced rate.
What to expect?

* These fields are required

*
John
*
Smith
*
(555) 555-5555
*
jsmith@mail.com
MM/DD/YYYY
Aetna
WXY1030Z0
Disclaimer
HIPAA badge