Cigna Residential Behavioral Health

Cigna health insurance recognizes the importance of mental health care and typically covers various treatment services. The Affordable Care Act mandates plans to include treatment for behavioral health.²

Cigna plans generally cover:

• Residential Care: In-depth treatment in a mental health facility.
• Outpatient Services: Therapy sessions with behavioral health professionals.
• Intensive Outpatient Programs (IOP): Frequent therapy for severe mental health conditions.
• Partial Hospitalization Programs (PHP): Extensive treatment in day programs.
• Group Therapy: Community-based therapy sessions.
• Individual Therapy: Personalized sessions for specific behavioral health needs.
• Family Therapy: Sessions involving family members to strengthen support.
• Behavioral Health Treatment: Techniques like CBT and DBT.
• Substance Use Disorder Treatment: Integrated treatment for mental health and substance use disorders.
• Telehealth Services: Remote therapy and consultations.

Cigna health insurance typically includes coverage for residential mental health treatment, but the specifics can vary depending on your individual policy. To understand and navigate your Cigna coverage for a residential treatment stay, consider the following steps:

• Review your policy to understand the coverage details, including types of residential treatment covered.
• Check if pre-authorization is required for residential care under your plan.
• Verify whether the treatment facility is within Cigna’s network to maximize coverage benefits.
• Be aware of any deductibles, copayments, or coinsurance you might be responsible for.
• Contact Cigna directly to obtain definitive information about your coverage and any necessary pre-authorization.
• Utilize the verification service provided by your chosen treatment center, such as Cornerstone Healing Center, which can help clarify the extent of your benefits and coverage with Cigna.

Note that mental health services, including residential treatment, are generally covered under most insurance plans following the guidelines of the Affordable Care Act, although the specifics can vary by policy.

The timeline for beginning treatment at a residential mental health facility with Cigna coverage can vary based on several factors:

• Insurance Benefits Verification: Confirm your insurance benefits and coverage specifics for residential treatment under your Cigna plan.
• Pre-Authorization or Referral Requirements: Determine if pre-authorization or a healthcare provider referral is needed per your Cigna plan.
• Facility Availability: Confirm a bed is available at the residential treatment center of your choice.
• Waiting Periods in the Policy: Any specified waiting periods in your Cigna policy before coverage becomes active.

To ascertain the most accurate timeline for beginning treatment, contact our admissions team for benefits verification, information on pre-authorization procedures, and consulting with us on bed availability.

The duration of a residential mental health treatment stay covered by Cigna health insurance depends on several factors. These include:

• The specific coverage details and terms of your Cigna health insurance plan.
• Medical necessity as assessed and authorized by healthcare providers in conjunction with Cigna.
• Ongoing evaluations of progress and need for continued treatment during your stay.
• Any limitations specified within your Cigna plan regarding the length of stay or type of residential treatment program.

Viewing your documentation is recommended for the most accurate and detailed coverage duration information, which is why our team offers insurance verification.