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Regardless of how long you've been addicted to drugs and/or alcohol, it's wonderful that you've made the decision to go to drug rehab. If you have Cigna health insurance, you might be wondering if treatment at a drug rehab facility is covered by your medical insurance policy. Fortunately, it is covered. Not only should you be able to obtain the substance abuse treatment you need when you need it, but medical insurance companies like Cigna are required to provide benefits for alcohol and drug rehabilitation by The Affordable Health Care Act.
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Still, you may have a lot of questions that you'd like to have answered. You may be wondering:
Cigna offers different policies with various benefits for drug rehab, and you need to know if your Cigna policy will completely cover your drug treatment. Talking with an addiction specialist can help you with this. He or she can talk with you in detail about your addiction in order to determine the type of drug treatment you need. Once that's complete, your addiction specialist will contact Cigna directly to discuss drug rehab and your options.
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The terms out of network and in network can sometimes be confusing medical insurance terms. You may have heard these and wondered what the difference was.
If your health insurance is out of network for an addiction treatment program, they do not have a contract with that facility. You may still opt to go to that drug or alcohol treatment center for treatment. However, you will have to pay out of pocket and get reimbursement later on. Generally, the health insurance reimbursement rates are quite low. This means you'll ultimately be paying a lot more out of pocket.
When you opt for an in-network alcohol treatment or drug treatment facility, it's much more affordable. The facility will bill the insurance company directly because they have a contract. You may have to pay a small amount as a copayment, or co-insurance amount, but it will be minimal. Most people agree that it's much better to choose a program where your insurance is in network. That way, you don't have to worry about reimbursement at all.
You will be happy to know that all types of drug rehab are covered under Cigna medical insurance.
That means that no matter what type of drug rehab you need, Cigna will cover it, at least partially.
Suboxone, methadone and other popular detox medications are very important for recovery. So many patients rely on them to help them through the worst parts of withdrawal. There are some instances when these medications are critical for the recovery process. Patients often wonder if they choose an in-network drug rehab or alcohol rehab if these and other medications will be covered. The answer is yes.
The folks at Cigna understand how important these drugs are for addiction recovery. If you chose an out of network drug or alcohol rehab, you would need to pay for them out of pocket. Or, you may even have to settle for a type of detox treatment that wouldn't be as effective for you. Opting for an in-network addiction treatment center is certainly the wisest choice.
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The same type of addiction treatment is not effective or advisable for everyone. It's important for you to get the care that will work best for you. With that in mind, it's helpful to know what your options are for rehabilitation when you have an addiction.
Detoxification is the process of removing toxins from the body when you have an addiction. It works for alcohol, and all types of drugs. There are some drugs that don't require it, but many of them do. With alcohol and drug detox, the goal is to cleanse the body and protect against dangerous withdrawal symptoms. These symptoms can make recovering very difficult, or even impossible.
With Cigna health insurance, choosing an in-network addiction treatment program will include coverage for detox.
Inpatient drug and alcohol rehab is the type of treatment that most addicts require for recovery. It involves staying at a facility for a period of time; usually around thirty days. During this time, patients participate in individual and group therapy, as well as other activities. The treatment they receive is geared toward healing the source of their addictions.
With Cigna medical insurance, in network facilities will offer inpatient treatment without reimbursement requirements.
Outpatient addiction treatment is often utilized by those who have been through an inpatient treatment center. However, that's not always the case. There are times when outpatient treatment is appropriate for people who have never been through rehabilitation before.
Outpatient drug and alcohol rehab generally involves meeting with a therapist on a regular basis. Appointments may be weekly, and then they may extend into monthly appointments. This type of treatment might work well for someone whose addiction is new, or relatively minor.
Cigna health insurance offers coverage in-network for addiction treatment in an outpatient setting.
Many times, people aren't able to go to an inpatient treatment facility for addiction help. When this is the case, intensive outpatient treatment is often highly recommended for them.
Intensive outpatient treatment allows patients to live at home and attend rehab on a flexible schedule. It's appropriate for those who have excellent support systems at home. Many programs last for about 12 weeks, and appointments are held several evenings a week.
It's important to find a facility in-network. Health insurance coverage through Cigna will provide you with great benefits for all of the above types of treatment.
Nothing is as important as your health, and your addiction can cause you a variety of health problems along with the issues it causes in your relationships and personal life. Benefits like the ones Cigna offers makes drug treatment affordable for anyone who needs it. Whether you're in need of an inpatient drug rehab, outpatient substance abuse treatment or even drug and alcohol detox, Cigna will be able to assist you with paying for it. This should take a great burden off your shoulders. Drug and alcohol rehab really can be affordable.
At Northpoint Recovery, we're thrilled that you've decided to get help for your addiction. We can assist you with determining your Cigna coverage for drug rehab. Cigna is now an in-network health insurance for Northpoint Recovery. Because of this, we're confident we can make addiction treatment more attainable for you.
The process is very easy for you to get started. All you need to do is contact us. We'll talk with you about your addiction and get to know what your needs are. Once we understand the scope of your addiction, we'll be able to recommend the type of treatment that's right for you. At that point, we'll contact your health insurance for you. This will allows us to maximize your benefits. Our goal is to leave you with as little out of pocket costs as possible.
Do you need to learn more about whether your health insurance will cover rehab? Simply fill out our insurance verification form to get the process started.