Cigna Insurance for Addiction Rehab

Cigna Insurance for Addiction Rehab

Cigna Insurance is health insurance provided by an American multinational healthcare company. The insurance provides coverage for medical, dental, surgical, and rehabilitative services, the majority of which are provided through employers and other groups, such as governmental and non-governmental organizations.

Treatment for substance use disorders is also covered by Cigna insurance. It is actually a requirement that Cigna cover substance abuse treatment, as defined by law. However, the extent of coverage depends on your specific insurance plan.


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Find out exactly your health insurance covers for drug and alcohol treatment at Cornerstone.

Will Cigna Pay for My Stay in Rehab?

Many drug rehab centers accept Cigna insurance. Cigna covers addiction rehab at different levels of care. The levels of care depend on the substance of choice. Cigna provides rehab coverage for alcoholism, drug abuse, and dual-diagnosis or co-occurring mental health problems. The coverage offered to a member of Cigna insurance depends on their policy and location.

Cigna insurance covers a range of rehabilitative services, including detox services, inpatient or residential care, partial hospitalization program (PHP), intensive outpatient program (IOP), and outpatient treatment.

Cigna offers coverage for as many rehab stays as deemed medically necessary. Depending on your specific insurance policy, Cigna will cover some of the costs of inpatient rubstance use disorder treatment. inpatient rehabilitation


What types of Rehab Does Cigna Cover?

What types of Rehab Does Cigna Cover?

Cigna may provide coverage for all levels of care in rehab, including residential or in-patient care, partial hospitalization, detox program, outpatient program, and an intensive outpatient program.  Drug classes included in Cigna rehab include alcohol, heroin, prescription opioids, sleep aids or sedatives, benzodiazepines, cocaine, marijuana, methamphetamine, prescription stimulants, and a few others.

Cigna Drug Rehab Coverage

Cigna drug rehab coverages may include drug detox, alcohol detox, behavioral counseling, medication, and follow-up. Depending on the patient’s condition, they may be recommended to enter inpatient rehab, outpatient treatment, partial hospitalization, or an intensive outpatient program.

Cigna drug rehab coverage aims to address the patient’s physical, emotional, and psychological needs instead of treating the substance use disorder alone.

Treatment for individuals dependent on prescription drugs and drugs affecting the same brain systems typically includes cognitive behavioral therapy, motivational interviewing, and multidimensional family therapy.

Cigna Alcohol Rehab Coverage

Cigna covers alcohol rehab, which includes several programs for treating alcoholism at different intensity levels. Individuals who have to maintain their job and other commitments can opt for outpatient alcohol rehab on the recommendation of their doctor or counselor.

However, patients requiring the most intensive level of care are recommended to pursue inpatient or residential treatment with round-the-clock monitoring and clinical supervision.

The first phase of alcohol rehab involves complete detoxification from alcohol and effective management of withdrawal symptoms. In-patient alcohol rehab coverage requires the patient to live at the facility 24/7 while receiving therapy, medication management, group counseling, and other services. The length of in-patient alcohol rehab ranges from a few days to over a year, depending on the severity of the patient’s condition.

Patients that reach a certain level of stability in their sobriety may be transferred to a partial hospitalization program from an inpatient program. In a partial hospitalization program, the patient attends therapy sessions and medical appointments while living at home or in transitional housing. This type of program lasts around two weeks on average.

Outpatient alcohol rehab does not require patients to live at a facility full-time. Rather, the patient lives at home and receives treatment in a day center, rehab facility, clinic, or other location during fixed hours. In outpatient alcohol rehab, patients can participate in therapy, counseling, 12-step programming, and other recovery services without relinquishing their self-determination.

This treatment is recommended for people with a high motivation to become sober. It is also an important part of relapse prevention for patients who have completed an inpatient alcohol rehab program.

Rehabilitation centers in-network with Cigna also provide intensive outpatient treatment to individuals affected by mild forms of alcohol use disorder. This treatment involves partial programs and several days of therapy per week.

Dual-Diagnosis Treatment (Co-occurring Disorders)

Treatment for dual diagnosis is also covered by Cigna insurance. The treatment begins with a neuropsychological evaluation to determine the patient’s needs, recognize their strengths, and identify potential barriers to recovery. Rehab specialists use this information to devise a plan of care that concurrently addresses the patient’s mental illness and substance abuse.

The concurrent treatment of both conditions requires integrating a facility’s rehabilitative and mental health services. The treatment will not produce positive outcomes if both conditions are not addressed simultaneously.

A patient with a chronic mental illness who is only treated for substance abuse is likely to either drop out of rehab or experience a relapse of substance abuse or psychiatric symptoms. Therapists, physicians, and psychiatrists at rehab centers in-network with Cigna are cross-trained in providing concurrent rehabilitative and mental health services.

Cognitive-behavioral therapy (CBT) is a major part of dual diagnosis treatment. It is used to help patients replace destructive thoughts and behaviors with healthier and helpful ways of thinking and behaving. Dual diagnosis treatment also involves dialectical behavioral therapy, which aims to reduce harmful behaviors, such as suicide attempts, substance abuse, and cutting.

How Many times will Cigna pay for drug rehab or alcohol rehab?

Substance use disorder (SUD) is a disease not curable with any single treatment or medication. Relapse is often part of the recovery process and does mean permanent failure. Individuals affected by substance use disorders or dual diagnosis (co-occurring disorders) must seek rehabilitation more than once to reach long-term sobriety.

According to the National Institute on Drug Abuse (NIDA), about 40 to 60% of people in recovery experience relapse. It does not have to be a part of every recovery story, but it does indeed happen. 

Relapse rates vary by substance use, disease or dependence stage, and co-occurring and process disorders. If a person has relapsed and again needs addiction treatment, Cigna will likely pay for rehab if it’s medically deemed necessary, regardless of how often the patient has received treatment.

How do I find out what my Cigna policy covers?

Cigna offers several types of insurance plans, each of which provides different coverage. You can check the benefits, services, and coverage provided under your insurance plan on Cigna’s official website. Hospitals and healthcare facilities in-network with Cigna like Cornerstone can also help you know what your insurance plan covers.

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