Insurance is an important piece of the puzzle for accessible rehab treatment. At the United Recovery Project, we partner with various insurance companies—including Cigna Insurance—to offer accessible and affordable care.
Cigna insurance may cover partial or total costs of your treatment, depending on your specific policy. Below, we look closer at Cigna insurance rehab coverage and your available options, helping you make an informed decision regarding your treatment.
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Cigna Insurance is a large, global health organization. With over 86 million customers and a global network of 1.5 million hospitals and healthcare workers, Cigna aims to help individuals manage health expenses, making health services more accessible. As part of United States legislation, insurance companies must extend coverage for rehab treatment—offering options for rehab similar to other health conditions.
While coverage varies based on individual plans, your Cigna insurance may cover:
If you’re unsure what your Cigna insurance plan offers, we can help verify your insurance. Together, we can help pave the way toward healing and recovery.
Depending on your Cigna plan, your specific coverage may vary. However, Cigna insurance plans may cover partial or total costs of detoxification, inpatient and residential rehab, and outpatient care and programs.
Detoxification is an essential initial step for drug and alcohol rehabilitation. This involves safely withdrawing from the abused substance under medical supervision. As such, many insurance companies, like Cigna, cover detoxification programs.
Inpatient rehab involves undergoing treatment in a facility or hospital. This provides round-the-clock care, ensuring you don’t relapse and receive a comprehensive approach. Cigna may cover partial or full costs of these types of programs. Often, it may depend on the program, what it includes, and the program length. Checking with your individual insurance is essential to understand what your exact costs may include.
PHP (Partial Hospitalization Program) and IOP (Intensive Outpatient Program) allow individuals to undergo rehab while attending to their daily responsibilities. Both types of programs let you live at home during your rehabilitation but often involve two to three-hour sessions multiple times a week. Cigna may, again, cover partial or full costs of these types of programs—depending on your specific plan.
Pre-authorization is a required approval process where Cigna reviews your treatment plan before services begin. This step ensures your chosen treatment program is medically necessary and covered under your policy. It can further help you plan the costs of your treatment accordingly since you’ll have a better understanding of what’s covered and what’s not.
With our caring and compassionate team at the United Recovery Project, we can help you verify your coverage with Cigna. Our team can guide you on the steps to do so or work with you to determine your policy’s specifics.
The United Recovery Project is committed to accessible rehab care, ensuring the necessary help and care for those who need it the most. We accept many insurance plans, including Cigna insurance. We also understand that the financial side of things can be overwhelming. This is why our team offers help navigating coverage options and benefits. We’ll cover the steps to verify your Cigna insurance coverage for rehab below.
Knowing the lingo when navigating your insurance policy can ensure you understand your costs. For instance, deductibles refer to the amount you must pay before insurance coverage begins. Meanwhile, copays are fixed amounts due at each visit or treatment session. These are essential numbers to know so that you can plan ahead.
Ultimately, taking time to review your financial responsibilities before starting treatment prevents unexpected bills and stress during recovery.
The United Recovery Project’s financial counselors can help you:
You can contact Cigna directly to verify your Cigna insurance. To do so, call the number on your insurance card or visit their website and log in to their membership portal. However, speaking to someone may help you best understand your policy and provide any answers to questions you might have. You can then ask about substance abuse treatment coverage and what is or isn’t under your plan. It’s also a good idea to request information about any out-of-pocket costs you can expect.
If this is overwhelming, we’re here to help. The United Recovery Project can verify your insurance for you. It all starts by filling out our online form or calling us at 888-960-5121.
Cigna insurance offers various plans and policies for rehab treatment coverage. Understanding what your plan involves can help you avoid unexpected costs, as well as help you access affordable treatment. With the United Recovery Project, our team can help take the weight off your shoulders. We can help you determine what your Cigna insurance covers. Contact us today at 888-960-5121 to learn more.
