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Does Cigna Insurance Cover Drug and Alcohol Rehabilitation?

For most people, finding out if your insurance covers their drug and/or alcohol rehabilitation requires a call to their insurance company. We here at DreamLife Recovery will make that call for you with your consent. Even the best insurance companies require a lot of information from you and it can be difficult to navigate your plan if you have not had experience with filing a claim before. We know what needs to be done when you exchange information with your insurance company. All you should have to worry about is your recovery.


Do Rehabilitation Centers Take Insurance?

Everyone has heard the excruciating stories about how insurance companies dodge their claims. Not only is Cigna a reputable company, but we know how to work with them to reduce misunderstandings that might cost you more money. We understand that paying for addiction treatment can be stressful but, during this point in your life, financial worries should be the furthest thing from your mind. Your health and your life are more important than money.

 Unfortunately, the cost of addiction treatment is very real. We keep our center state of the art to ensure a successful first step in your recovery journey. You cannot put a price on your health.


Is Cigna Insurance Good Insurance?

Cigna is a globally trusted health insurance company that has over 86 million customers. Many of Cigna’s health coverage plans include benefits such as:

  • Drug rehabilitation
  • Alcohol rehabilitation
  • Detoxification from drugs and/or alcohol
  • Counseling for addiction treatment

Cigna also offers free educational information on physical, mental, and emotional signs of addiction. We can contact Cigna for you so that you can get this information if you would like to use it. It is important not to self-diagnose. However, this information can be valuable if you want to set up an intervention for a loved one.

It is important to research addiction on your own if you can. This will give you an idea of some specific questions you want to ask and things that you might want to request during your admissions process. Some requests and information you might want to provide to help you adjust and be more comfortable during the program are:

  • Can you provide my dietary needs like veganism, vegetarianism, food allergies, and/or gluten-free lifestyle?
  • Is there a place where I can exercise during my recovery?
  • Are single rooms available?
  • What accommodations will be made if I have certain phobias, such as a fear of horses at a facility that offers equine therapy?
  • Is there the opportunity to change groups in group therapy if I don’t like my group?

Our staff will be happy to answer all of these questions while we are verifying your insurance and providing you with any other information you would like. Many people find comfort in planning and taking care of the details themselves. Other people prefer to have things taken care of by professionals and spend their time mentally preparing for the challenge ahead of them.


What Does Cigna Insurance Cover?

Here is a brief overview of different Cigna health care compensation plans. You will have already chosen your level of compensation before enrolling in DreamLife Recovery. It is important to remember as all states have different laws and other legal structures there is no way for most medical insurance companies to provide the same exact coverage structure in every state.


What Are Some Examples of Differences in State Laws?

You often notice the effects of these differences in other instances in your life like when you sign employment applications and enter nation-wide contests. For example, some contests do not accept participants from Alaska and Hawaii. Another example is it can be illegal to ask certain questions like what is your criminal history in certain states. Nationwide companies often simply print information regarding these exceptions in the application itself instead of writing completely different applications.

Now that you know that the state your insurance is registered in might has some bearing on your benefits, here is the general list of Cigna insurance groups:

Cigna’s least expensive plan is the bronze plan. The bronze plan:

  • Offers lower premiums
  • Has Higher deductibles
  • Higher out of cost insurance

Depending on your state of residence, your coverage may be between 0-50% at in-network facilities and doctors. Out-of-network doctors and facilities might not be covered at all.

Clients in Cigna’s gold plan:

  • Receive more comprehensive coverage than participants in the bronze plan
  • Have lower deductibles

Some outpatient services that are in-network could have a copay or coinsurance percentage and others could have a copay per visit. Out-of-network providers may or may not be covered.

In Cigna’s top plan, the platinum plan:

  • You receive more comprehensive coverage that either of the other plans
  • You will have lower deductibles than the bronze and gold plan

There is a minimal coinsurance or copay requirement for in-network providers. Some policies provide out-of-network coverage, but coinsurance rates are usually higher for out-of-network services and providers.


Does Cigna Have an In-Network Requirement?

Not all of Cigna’s plans require you to be in-network. Cigna does have a network though and choosing a doctor and/or treatment facility that is outside your network can mean you pay more out of pocket. Some Cigna plans will cover some portions of treatment after a deductible or coinsurance has been met.  There may be a small coinsurance percentage or copay per visit if your healthcare provider is in-network. Out-of-network providers and services may or may not be covered.


What Are Some Insurance Terms I Should Know?

  • Coverage: 

Coverage means that your insurance company will take care of, or “cover” the costs of your claim. Different amounts and types of coverage are determined by the plan you bought. Unless it is full insurance you may or may not be covered. Thankfully, Cigna health care plans often offer wonderful coverage

  • Deductible:

 A deductible is the part of the insurance payment you make yourself. The difference in out of pocket payments and a deductible payment is a deductible is an amount you have to pay before your insurance starts to apply.

After you pay all of your deductibles, or “meet your deductible” your insurance will kick in and start to pay for at least some services from in-network doctors and facilities.

You pay your deductible by paying for your medical expenses on your own with your company’s approval. Paying your deductible does not require any extra money from you besides what you pay for in your medical services.

  • Copay:

A copay is a fixed amount you pay after you meet your deductible. If you meet your deductible you might still have a small copay. In some instances, there is no copay and you do not have to pay out of pocket for your treatment

  • Coinsurance:

Coinsurance is when you pay a percentage of the cost instead of the fixed amount of a copay. Whether you pay a coinsurance or a copay depends on your insurance plan

  • In-network:

Doctors and facilities that are in-network are the ones that the insurance company covers and will provide discounts and reimbursements on. In the standard bronze plan, only in-network doctors and facilities are covered.

  • Out-of-network:

Doctors and facilities that are out-of-network are the ones that the insurance company will usually not cover and will often not provide discounts or reimbursements on depending on your plan. In the gold plan, the insurance company may or may not cover certain out-of-network doctors or facilities. In the Platinum plan, the company will usually cover doctors and facilities that are out-of-network as well.

  • Out of pocket:

 Out of pocket money is money that you have to pay if you exceed the benefits of your insurance plan. For example, if you have a $1,000 surgery and your plan will only cover $9,000 then you pay $1,000 out of pocket. Fortunately, many medical expenses are very well covered by insurance companies, including addiction rehabilitation. Because of this, you are not likely to go over the limit of your insurance. You will likely still have to pay a copay or coinsurance though these are also considered out of pocket expenses. Out of pocket also applies when nothing is being covered.


Comprehensive coverage:

Comprehensive coverage is between no insurance and full insurance. Comprehensive means that some things are covered and other things are not. For example, in comprehensive car insurance, the plan might fully cover your costs if you get into an accident, but it might not cover the cost if you have to go in to see a mechanic because a tree fell on your car during a storm. What is covered and how much of it is covered depends on the plan that you chose. Luckily most Cigna plans have wonderful addiction recovery health coverage.


Does DreamLife Recovery take Insurance?

We, at DreamLife Recovery, are thrilled that you are deciding to get your life back on the right track and start on the road to recovery. Recovery is a life long journey. It is not the only one. Life is a constant journey of recovery from not only addictions but from all aspects of the past. It is also a life long journey of learning. We encourage you to share your story the moment that you step into our facility.

Life can be a hard road but we can always find comfort in each other. Here at DreamLife Recovery, we are excited to learn about you and from you. Everyone has something wonderful to share with the world. We hope to help you be able to share your wonderful talents with the world. Please Contact Us Or Call us at: (844) 402-3592

Article Reviewed by Lidice Morales

Lidice MoralesLidice Morales, an honors graduate from the Kaiser University, has made a name for herself as the Director of Nursing at several behavioral health facilities and as the Director of Operations for Detox MD. Now she is the VP of Operations at DreamLife Recovery. She strives for better patient care through constant self-improvement and furthering her education. Her steadfast work ethic and passion in the field has remained the most important aspect of her professional career; showing dedication to not only the acquisition of new knowledge, but also its mastery. Lidice believes that a professional work atmosphere fosters cohesion and malleability amongst herself and her coworkers; thereby increasing both the level of patient care and quality of life.

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