Cigna Coverage for Mental Health & Addiction Treatment
Coverage for rehab facilities, such as those dealing with drugs and alcohol, mental health disorders, and recovery, may also be included in your Cigna insurance plan. Always verify what coverage your plan will provide you for your rehab program.
What Cigna members should know:
- Verify Coverage Quickly
- No Obligation
- Confidential
Does Cigna Cover Drug & Alcohol Addiction Therapy?
In many of these insurance plans offered by Cigna, behavioral health benefits are provided that may help defray the costs of treatment for SUD. In fact, addiction treatment and mental health are considered essential benefits for health insurance, as outlined in the Affordable Care Act.
The Cigna rehab insurance benefits vary depending on whether the rehabilitation center is in-network or out-of-network, the type of insurance plan one has, and finally whether the services one seeks are considered medically necessary. Approval is typically sought before rehab, detoxification, and outpatient services.
As a provider, because Cigna has several different plans and networks, it is always important to verify coverage.
Which Mental Health and Addiction Treatment Services Does Cigna Cover?
Depending on medical necessity and individual insurance benefits, addiction treatment may be covered under Cigna health insurance for various services.
Medical Detox
Cigna insurance plans cover medical detox if the withdrawal from a drug poses a situation for which medical supervision is, or might be, required. It includes medical necessity.
Inpatient and/or Residential Treatment
Inpatient or residential care is a live-in program with 24/7 care. The coverage for Cigna will depend on the coverage policy of the individual, the provider, and whether the treatment is appropriate.
Partial Hospitalization Programs (PHP)
The partial hospitalization programs can provide intensive, full-day care without requiring an overnight stay. Cigna plans can cover PHP when the level of care is required without residential rehabilitation services or as a step-down from inpatient rehabilitation.
Intensive Outpatient Programs (IOP)
In intensive outpatient programs, therapy is available several days a week. It allows individuals to live at home. In addition, Cigna covers IOP as long as inpatient care is not needed and medical criteria are satisfied.
Traditional Outpatient Treatment
These services provided to the patients usually involve scheduled therapy, counseling, and support during their recovery. Outpatient treatment is normally a Cigna service, especially regarding behavioral health and substance abuse treatment.
Aftercare / Continuing Care
Aftercare services promote sustained sobriety with continued therapy and relapse prevention planning. Coverage depends on the plan and is usually ongoing on the basis of continued medical necessity.
Note: Length of stay and level of care are typically determined by medical necessity and clinical assessments.
Does Cigna Cover Integrated Mental Health and Recovery Programs?
Mental health services provided by Cigna usually include therapy sessions. At the same time, therapy is usually part of any regimen of addiction treatment.
Coverage may include:
- Individual counseling and group therapy
- Family therapy and support services
- Treatment for co-occurring disorders such as depression or PTSD
- Ongoing mental health treatment
Many Cigna plans also include coverage for psychiatry services and management of prescription medications, if appropriate.
Inpatient Mental Health Coverage
Some of the plans offered by Cigna Insurance that can cover inpatient mental health treatment and residential care services include coverage for serious mental illness and co-occurring disorders.
How Much Does Mental Health and Addiction Treatment Cost With Cigna?
The cost of mental health and addiction therapy with Cigna can vary based on your insurance coverage. While Cigna covers part of the total cost, it varies based on individual benefits.
Factors That Affect Your Out-of-Pocket Cost
- In-network vs. out-of-network services
- Deductibles, copays, and coinsurance
- Prior authorization and medical necessity
- Level of care (detox, inpatient, outpatient services)
- Plan type and geographic location
What You Can Do Right Now
The Banyan Treatment Center is able to verify your Cigna insurance and help explain treatment options. Whenever possible, the admissions team can provide an estimated cost prior to admission.
If You Call Cigna Directly, Ask:
- Is medical detox covered?
- Does my plan cover inpatient or residential rehab?
- Is PHP or intensive outpatient programs covered?
- Do I need prior authorization?
- Is this facility in-network?
- What are my deductibles, coinsurance, and copays?
- Are there limits on treatment days or sessions?
Or, We Can Verify for You (Recommended)
- We contact Cigna on your behalf
- We review coverage details and network status
- We explain benefits clearly and confidentially
How to Find Treatment That Accepts Cigna
“Accepting” Cigna could mean that the treatment center is an in-network provider or if they are not, if they can provide out-of-network services depending on the insurance plan. The insurance companies that are part of their network could vary depending on the state or health plans.
Getting Matched to the Right Level of Care
A clinical assessment is used to determine the level of care based on the substance use, mental health issues, and insurance.
Next Steps: Verify your Cigna coverage or call admissions to speak with a specialist.
Frequently Asked Questions
- Banyan Boca
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4168 Co Road 444
Waelder, TX 78959
844-611-5705 - Banyan Alaska
4700 Begich Circle
Wasilla, AK 99654
888-966-9142
Coverage varies by Cigna plan and state. Insurance verification is required to confirm eligibility and benefits.
Verify Your Cigna Coverage for Treatment
Coverage varies by Cigna plan, location, and medical necessity. Our admissions team can help you review your benefits and determine appropriate treatment options, confidentially and with no obligation.
Banyan Facilities for Drug, Alcohol, & Mental Health Treatment
Banyan Castle Rock
Located in Castle Rock, CO
Substance Use Inpatient
Mental Health Inpatient
Telehealth Virtual IOP
Banyan Heartland
Located in Gilman, IL
Substance Use Inpatient
Mental Health Inpatient
Substance Use Outpatient
Telehealth Virtual IOP
Banyan Palm Springs
Located in Cathedral City, CA
Substance Use Inpatient
Telehealth Virtual IOP
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