Does Cigna Healthcare Insurance in California Cover Drug or Alcohol Rehab?
Can you use your Cigna Healthcare of California insurance to help pay for rehab? Fortunately, you can.
The Affordable Care Act (ACA) requires all long-term insurance plans to cover 10 essential health benefits.1 Mental health and substance use disorder treatment are among those benefits.1 As a result, your Cigna California health insurance must cover at least some of the cost of substance use disorder treatment recommended by your doctor.
Different plans will have different benefits, so it’s important to verify your coverage before you begin rehab. You can contact the insurance company or reach out to American Addiction Centers (AAC). Our admissions navigators can review your coverage in just a few minutes and help connect you to a high-quality treatment center.
What Addiction Treatment Does Cigna California Cover?
You might wonder what types of treatment you can get using your Cigna of California coverage. Most insurance plans will cover multiple types of addiction care but will focus on the types of treatment your doctor says are medically necessary. That’s why it’s vital to talk to your doctor and create a treatment plan.
Some of the common types of substance use disorder treatment are:2
- Detox. Detox is often the first step in the treatment process. During detox, the body works to eliminate drugs and alcohol. When someone is dependent on or addicted to substances, they may experience withdrawal symptoms when use is stopped. To ensure your comfort and safety while going through detox, the process is often medically supervised.3
- Inpatient rehab. Also referred to as residential treatment, this type of rehab is an intensive form of treatment where you live at the facility for a designated period, usually between 30 and 90 days, and receive around-the-clock care and support, structured schedules, and ongoing treatment.
- Outpatient rehab. During outpatient care, you live independently when you’re not in treatment. This might mean living in a sober living facility or your own home. You can often work, attend school, and maintain normal daily living.
- Partial hospitalization program (PHP). This is higher intensity than other outpatient programs and often meets all day, 5 to 7 days per week. You’ll receive multiple treatment approaches and have activities and meals.
- Intensive outpatient program (IOP). Participants in this program generally goes to treatment 9 to 15 hours per week. You will have more focused care in an IOP as well as more free time outside the treatment process.
- Aftercare. When treatment ends, it’s vital to have support in practicing your new habits. Aftercare may include ongoing counseling, participation in a 12-Step program or other support groups, and help finding employment and sober housing.
Some California rehabs that accept Cigna offer medication-assisted treatment (MAT), where FDA-approved medications are used to minimize withdrawal symptoms and manage ongoing cravings during treatment for certain substance use disorders.4
You can find out what treatment is covered by your insurance by contacting the facility you would like to attend directly. You can also call the admissions navigators at AAC, who are available 24/7 via phone, chat, or text to verify your insurance and answer any questions you have about treatment. AAC is proud to operate multiple high-quality centers, including Laguna Treatment Hospital in Orange County.
What to Do if Cigna California Doesn’t Cover Rehab?
If your Cigna California plan doesn’t cover the type of treatment you’re interested in, don’t lose hope. There are many ways to pay for rehab, and insurance is just one option.
For example, you may be able to find a center that offers a grant or scholarship for those who qualify or that has a payment plan you can work with. You can also look for a medical loan or consider borrowing money from family and friends.
There are also treatment facilities that have a sliding scale of fees based on your income and family size, and some state-funded rehabs have lower costs as well. Finally, there may even be free rehabs in your area, depending on your financial situation.
In California, at least 200 rehab centers offer a sliding fee scale or have payment assistance available.5 What’s most important is that you get the care you need. Don’t let your financial situation hold you back from the life you deserve.
Does Cigna of California Cover Mental Health and Co-Occurring Disorder Treatment?
When someone has with both mental health and substance use disorders, it is referred to as co-occurring disorders. Many people struggle with co-occurring disorders and an integrated treatment that addresses both the mental health issues and substance use disorder is often the recommended course of action.6
You might wonder if your Cigna of California coverage can help. Fortunately, it can. That’s because the ACA includes both mental health and substance use disorder treatment as a required essential health benefit.1 Insurance plans vary, so be sure to check coverage details before you commit to a co-occurring disorder program.
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