American Addiction Centers editorial staff

[content-overview] Cigna is a worldwide health service company that helps people better their overall health and well-being. It serves more than 95 million people around the globe.<sup>1</sup>

Cigna provides coverage for a range of treatments that help people recover from substance use disorders. Cigna also provides coverage for <a href="https://americanaddictioncenters.org/co-occurring-disorders">mental health services</a> for mental illnesses such as anxiety and depression.

American Addiction Centers accepts Cigna. <a href="https://americanaddictioncenters.org/payment-options">Get more information about payment options and verify your insurance benefits</a>.[/content-overview]
<h2>How Does Cigna Rehab Coverage Work?</h2>
<img class="alignright size-medium wp-image-58167" src="https://admin.americanaddictioncenters.org/wp-content/uploads/2019/05/shutterstock_1362434942-300x200.jpg" alt="Portrait of mixed raced woman sharing troubles emotionally during group therapy session" width="300" height="200" />The level of coverage you receive from Cigna for substance use treatment will vary based on your plan and the state you live in.

Preauthorization is usually required for treatment of substance use disorders. Preauthorization, also known as prior authorization or prior approval, is <a href="https://www.healthcare.gov/glossary/preauthorization/" target="blank">when your health insurer determines that a treatment or equipment is medically necessary for your condition</a>.<sup>2 </sup>Those who require preauthorization for substance use disorder services and fail to obtain it may be responsible for paying the full cost of treatment.

You may also be required to meet a deductible and/or pay a copayment or coinsurance if the services you receive are not fully covered. A copayment is a flat amount you pay for the services; coinsurance is a percentage of the costs that you pay. A deductible is the amount you pay for covered services before Cigna will pay for services.<sup>3,4</sup>

Receiving drug rehab treatment from an in-network provider may help you avoid paying the full cost of treatment. In-network providers have <a href="https://marketplace.cms.gov/outreach-and-education/what-you-should-know-provider-networks.pdf" target="blank">negotiated an agreed-upon price for services with the health plan</a>, which are generally at a lower cost than for someone without insurance or through a plan in which the provider is not in-network. Out-of-network providers have not negotiated set prices, and you will likely be charged more to use these providers.<sup>5</sup>

[callout title="Employee Assistance Program"]

Cigna offers an employee assistance program (EAP) that gives you access to licensed clinicians who can talk to you about your drug and alcohol use. The EAP is available with health care plans purchased through an employer. This program allows you to meet in person with a licensed counselor, speak with a consultant on the phone, or chat with a consultant through live chat.<sup>6</sup>

[/callout]

[ssvob]
<h2>What Will It Cover?</h2>
Depending on the plan, Cigna may cover a range of treatments and services for substance use disorders, including inpatient and outpatient rehab programs. The following services may be covered by your Cigna plan.
<h3>Outpatient Rehab</h3>
Outpatient rehab takes place in clinics at hospitals, mental health facilities, counselors’ offices, and local health department offices. Treatment sessions at outpatient rehab may take place once or twice per week for up to 1 or more years.<sup>7</sup>

Outpatient rehab allows you to <a href="https://americanaddictioncenters.org/outpatient-treatment">live at home and continue going to work or school while receiving treatment</a>.<sup>7  </sup>
<h3>Intensive Outpatient</h3>
Intensive outpatient programs (IOPs) typically meet on 3 days per week for a total of between 10 and 20 hours of therapy. IOPs may last for between 1 and 3 months and may include individual counseling and group therapy sessions. At an outpatient program, patients do not stay at the treatment facility overnight.<sup>7</sup> However, American Addiction Centers may have housing available for clients who do not live in the local area.
<h3>Partial Hospitalization</h3>
Partial hospitalization programs (PHPs) usually meet 5 days per week for most of the day. PHPs allow you to receive day treatment while living at home. They may be good fits for people who struggle with more severe substance use disorders but who can safely remain in their home environments.<sup>7,8</sup>
<h3>Inpatient/Residential Rehab</h3>
[quote] In an inpatient program, you live at the treatment facility while receiving care. [/quote]

In an inpatient program, you live at the treatment facility while receiving care. The program may provide a wide range of therapies including counseling, medical care, and 12-step groups. Inpatient treatment might be a good choice for those who also need treatment for co-occurring physical or mental health problems, who need a safe environment in which to recover from drug and alcohol use, who have not had success with outpatient programs, and who don’t live near an outpatient center. Inpatient programs often last between 1 and 6 weeks. Residential rehab is a type of inpatient treatment and may involve staying at the facility for months.<sup>7</sup>

After completing inpatient, it is recommended that you attend outpatient counseling, which can provide support as you adjust to your new sober lifestyle.<sup>7</sup><sup> </sup>

[callout title="Will My Employer Find Out?"]

Drug rehab centers, including American Addiction Centers, are generally not allowed to tell a person outside the rehab center that you are a patient or disclose any information about your treatment. This is prohibited by law. Your identifiable health care information is strictly confidential and usually cannot be disclosed to any outside party unless you give your written consent. Examples of exceptions include when disclosure is required by court order, disclosure is made to medical staff to help treat you in a medical emergency, or the information is requested for the purpose of a program evaluation.

<a href="https://americanaddictioncenters.org/notice-of-privacy-practices">Learn more about the privacy of your treatment information</a>.

[/callout]
<h2>Types of Addictions Cigna Typically Covers</h2>
Cigna plans that cover substance use disorder treatment cover most major addictions. Most drug rehab centers that accept Cigna can treat nearly any addiction. They often offer a range of services that can be customized for your needs.

Cigna may offer treatment coverage for the following addictions:
<ul>
 	<li>Alcohol</li>
 	<li>Heroin</li>
 	<li>Prescription opioids</li>
 	<li>Marijuana</li>
 	<li>Methamphetamine</li>
 	<li>Cocaine</li>
 	<li>Benzodiazepines</li>
 	<li>Prescription stimulants</li>
 	<li>Sleep aids/sedatives</li>
 	<li>Other drugs</li>
</ul>
<h2>Types of Plans</h2>
<img class="alignleft size-medium wp-image-58168" src="https://admin.americanaddictioncenters.org/wp-content/uploads/2019/05/shutterstock_1058887829-300x200.jpg" alt="woman going over insurance with man" width="300" height="200" />Cigna offers plans to individuals, families, and employers. Types of plans include <a href="https://www.cigna.com/individuals-families/understanding-insurance/types-of-health-insurance" target="blank">health maintenance organization (HMO), exclusive provider organization (EPO), point-of-service (POS), and preferred provider organization (PPO)</a>.<sup>9</sup>

HMOs require you to choose a primary care provider from a local network of health care providers. The costs of HMOs are generally lower than most other health insurance plans, if you receive care within the network. EPOs allow you to choose from a network of participating providers, and they may require you to choose a primary care provider. If you seek treatment out of network with an EPO plan, it will likely not be covered.<sup>9</sup>

A POS plan offers in-network care at a low cost, requires you to choose a primary care provider, and requires you to receive referrals for specialists. With a POS plan, you can see in- or out-of-network specialists but will likely pay higher costs for out-of-network care. PPOs offer you a large network of health care providers and do not require you to choose a primary care provider. With a PPO, you can see specialists without obtaining a referral.<sup>9</sup>
<h2>How Do I Get Started?</h2>
First, contact us for a screening to make sure we can meet your needs. We will review your benefits and help you choose a treatment center that accepts your health insurance plan if possible and provides the services you need to safely recover from your substance use disorder. We understand how overwhelming it can be to find the right treatment center and are committed to connecting you with high-quality, affordable addiction treatment.

To verify your benefits, you can call an admissions navigator, chat with a live agent on our site, or use the verification form on this page. There is no obligation to use our services, and all your information will be kept strictly confidential.

Contact us today at 888-966-8152 to learn more about using Cigna to receive treatment with American Addiction Centers.
<h2>Sources<strong>
</strong></h2>
<ol>
 	<li>Cigna. <a href="https://www.cigna.com/about-us/company-profile/cigna-fact-sheet" target="blank"><em>Facts about Cigna</em></a>.</li>
 	<li>Healthcare.gov. <a href="https://www.healthcare.gov/glossary/preauthorization/" target="blank"><em>Preauthorization</em></a>.</li>
 	<li>Cigna. (2019). <a href="https://apps.cignabehavioral.com/web/consumer.do#/termsAndDefinitionFaqs" target="blank"><em>Terms and definitions FAQs</em></a>.</li>
 	<li>Bankrate. <a href="https://www.bankrate.com/glossary/d/deductible/" target="blank"><em>Deductible</em></a>.</li>
 	<li>Centers for Medicare &amp; Medicaid Services. (2017). <a href="https://marketplace.cms.gov/outreach-and-education/what-you-should-know-provider-networks.pdf" target="blank"><em>What You Should Know About Provider Networks</em></a>.</li>
 	<li>Cigna. <a href="https://www.cigna.com/individuals-families/member-resources/employee-assistance-program" target="blank"><em>Licensed clinicians available through EAP</em></a>.</li>
 	<li>Cigna. <a href="https://www.cigna.com/individuals-families/health-wellness/hw/medical-topics/inpatient-and-outpatient-treatment-for-substance-ad1101" target="blank"><em>Inpatient and outpatient treatment for substance use problems</em></a>.</li>
 	<li>National Institute on Drug Abuse. (2014). <a href="https://www.drugabuse.gov/publications/principles-adolescent-substance-use-disorder-treatment-research-based-guide/treatment-settings" target="blank"><em>Treatment settings</em></a>.</li>
 	<li>Cigna. (2018). <a href="https://www.cigna.com/individuals-families/understanding-insurance/types-of-health-insurance" target="blank"><em>Types of health insurance</em></a>.</li>
</ol>

How to Pay for Drug Rehab With Cigna Insurance

[content-overview] ConnectiCare is a health insurance company that offers numerous plans including health maintenance organization (HMO), point of service (POS), preferred provider organization (PPO), health savings accounts, health reimbursement accounts, individual health plans, and Medicare plans. It <a href="https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=686423" target="blank">serves members in Connecticut, Massachusetts, and New York</a>.<sup>1</sup>

ConnectiCare covers mental health and substance abuse treatment. If you are looking for a drug rehab program, <a href="https://americanaddictioncenters.org/payment-options">confirm your benefits with us and get more information about payment and costs</a>.[/content-overview]
<h2>Types of Treatment Options ConnectiCare Health Insurance Typically Covers</h2>
<img class="alignright size-medium wp-image-58477" src="https://admin.americanaddictioncenters.org/wp-content/uploads/2019/05/shutterstock_138711269-300x200.jpg" alt="Therapist comforting a patient at office" width="300" height="200" />Your ConnectiCare plan may provide coverage for the following types of rehab:
<ul>
 	<li>Inpatient/residential. This level of treatment generally requires you to temporarily reside in a hospital or freestanding facility. Programs consist of individual and group therapy and medical supervision, and may include detox and/or 12-step meetings. Inpatient treatment periods can range from a few days to a few months.</li>
 	<li>Partial hospitalization (PHP). In a PHP, you have access to medical care and other hospital services during treatment but are able to return home outside of program hours. During treatment, you will attend several group sessions, but you may also meet individually with a therapist, social worker, psychologist, or psychiatrist. These programs typically meet 4 to 6 hours per day, from 5 to 7 days per week. It may be the first type of treatment that you receive, or you may transition to this type of program after being an inpatient.</li>
 	<li>Intensive outpatient (IOP). This is a form of drug rehab that can be a step-down from partial hospitalization or inpatient treatment. However, many people do go straight to IOP when seeking rehab services. IOPs will usually meet <a href="https://americanaddictioncenters.org/intensive-outpatient-programs">about 3 hours per day for 3 to 4 days or more per week</a>. Some programs offer daytime sessions, while others are held in the evenings. Many people in this type of program are able to continue work or school while obtaining treatment. American Addiction Centers offers room and board for clients in its IOP and PHP programs who do not live locally.</li>
 	<li>Outpatient treatment. Standard outpatient treatment efforts may consist of 1 to 2 individual or group sessions with a counselor per week. Sessions will typically last about an hour. Continued outpatient treatment frequently serves as a step-down from an IOP program, partial hospitalization, or inpatient treatment. However, some people may only seek outpatient treatment for addiction rehab.</li>
</ul>
A professional assessment can help you decide which form of treatment is best for you. Factors that may affect which treatment is the right fit include:<sup>2</sup>
<ul>
 	<li>Likelihood of need for withdrawal management.</li>
 	<li>Physical and mental health status.</li>
 	<li>Desire to change.</li>
 	<li>Possibility of relapse.</li>
 	<li>Home environment.</li>
</ul>
[ssvob]
<h2>Types of Addictions ConnectiCare Health Insurance Typically Covers</h2>
[callout] ConnectiCare will cover treatment most drug addictions. The typical addictions covered by ConnectiCare include:
<ul>
 	<li>Heroin.</li>
 	<li>Prescription drugs, such as opioids, benzodiazepines, and stimulants.</li>
 	<li>Methamphetamine.</li>
 	<li><a href="https://americanaddictioncenters.org/cocaine-treatment">Cocaine</a>.</li>
 	<li>Alcohol.</li>
 	<li>Marijuana.</li>
 	<li>Hallucinogens.</li>
 	<li>Inhalants.</li>
</ul>
[/callout]

While most rehab programs can treat these types of addictions, some may specialize in certain types of drug addiction treatment.
<h2>What if My Provider Is Out of Network?</h2>
When a provider is in-network, ConnectiCare will usually have a contract with the provider to offer services at certain prices, and your out-of-pocket costs are usually lower than if you go to an out-of-network provider. If you choose to go to an out-of-network provider, you will usually end up paying a higher percentage of the cost of your treatment or even the full cost.

However, if you prefer an out-of-network provider for rehab, you can often work out a payment plan with the provider to pay back the cost of treatment over time.
<h2>What Does ConnectiCare Health Insurance Specifically Pay For?</h2>
For most plans, ConnectiCare will pay for standard services that are part of substance abuse treatment. These services include:
<ul>
 	<li>Assessments.</li>
 	<li>Physical exams.</li>
 	<li>Detox.</li>
 	<li><a href="https://americanaddictioncenters.org/addiction-medications">Medications</a>.</li>
 	<li>Group and/or individual therapy.</li>
 	<li>Costs for staying at an inpatient or residential program, such as room and board and meals.</li>
</ul>
<h2>How Much Will I Pay Out of Pocket?</h2>
[quote] In many cases, ConnectiCare must pre-authorize your drug rehab treatment. [/quote]

Your coverage for drug rehab will vary by plan. Most insurance plans have a deductible, which is the amount of money you must pay before the insurance starts to cover the cost. You may also need to pay coinsurance before or after your deductible is met. Coinsurance is a percentage of the cost of a covered service that you are responsible for paying. Additionally, you may have a copay, which is a fixed amount you pay for a covered service.

In many cases, ConnectiCare must pre-authorize your drug rehab treatment before you begin treatment or shortly after you’re admitted to a program. During this process, they will determine whether you meet their criteria for needing drug rehab (medical necessity). Usually, the provider will call ConnectiCare after assessing you and present the information to them for approval.
<h2>How Do I Get Started?</h2>
To find out how to get started using ConnectiCare, contact American Addiction Centers and have us verify your insurance benefits. Then we can help you pick the most appropriate treatment for your coverage and specific needs.

You can call us and speak with an admissions navigator at (888) 966-8152, use the chat feature on our site, or use the benefits verification form on this page.

[ssvob]

[callout title="Related Articles"]
<ul>
 	<li><a href="https://americanaddictioncenters.org/drug-detox/insurance">Will Insurance Pay for Drug Detox?</a></li>
 	<li><a href="https://americanaddictioncenters.org/rehab-guide/in-network">How to Find an In-Network Drug Rehab Center</a></li>
 	<li><a href="https://americanaddictioncenters.org/intensive-outpatient-programs/cost">The Cost to Attend an IOP</a></li>
</ul>
[/callout]
<h2>Sources</h2>
<ol>
 	<li>Bloomberg. <a href="https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=686423" target="blank"> <em>Company Overview of ConnectiCare, Inc</em></a>.</li>
 	<li>Miller, S. C., Fiellin, D. A., Rosenthal, R. N., &amp; Saitz, R. (2019). <em>The ASAM Principles of Addiction Medicine </em>(Sixth ed.). Philadelphia: Wolters Kluwer</li>
</ol>
&nbsp;

&nbsp;

How to Pay for Drug Rehab With ConnectiCare Insurance

[content-overview] If you’re dealing with a substance use disorder, Behavioral Healthcare Options (BHO) may be able to help you get the treatment you need. This company provides behavioral healthcare services to members struggling with drug and alcohol addiction and mental health disorders.<sup>1</sup> Members may be able to access a number of services, including <a href="https://americanaddictioncenters.org/rehab-guide">inpatient and outpatient treatment</a>, crisis stabilization, employee assistance, and more.

<a href="https://americanaddictioncenters.org/payment-options">Verify your BHO benefits with American Addiction Centers and learn more about payment and treatment costs</a>.[/content-overview]
<h2>What Is Behavioral Healthcare Options?</h2>
BHO was founded in 1991 and is a subsidiary of UnitedHealthcare. It arranges mental health, addiction treatment, work-life, and employee assistance services for its clients. Currently, BHO assists clients such as union trusts, third-party administrators, insurance carriers, and self-insured employers.<sup>2</sup>

BHO promotes personalized care in a setting <a href="https://bhoptions.com/Member/About-BHO" target="blank">that’s the least disruptive for the member’s work and personal lives</a> while still providing appropriate treatment. The company works with providers and insurers to make sure care is necessary, fitting, and appropriately priced.<sup>2</sup>
<h2>Services</h2>
<img class="alignright size-medium wp-image-58502" src="https://admin.americanaddictioncenters.org/wp-content/uploads/2019/05/shutterstock_454809184-300x200.jpg" alt="Woman talking to therapist on sofa" width="300" height="200" />BHO provides numerous services for its clients. These may include:
<ul>
 	<li>Mental health and substance use disorder treatment. BHO helps members get the right care through mental health support services and drug and alcohol addiction treatment. Services include inpatient and outpatient care.<sup>1,3 </sup>BHO may cover all levels of care including detox, inpatient, residential rehab, partial hospitalization, intensive outpatient, and standard outpatient. Most assessments and therapy are covered.</li>
 	<li>Employee assistance program (EAP). This program offers <a href="https://www.bhoptions.com/Member/Employee-Assistance-Program" target="blank">assessments, short-term counseling, referrals, and follow-up services</a>. Everyone in a member’s household is eligible for this service. People use an EAP for problems such as grief and loss, substance use concerns, <a href="https://americanaddictioncenters.org/treating-depression-substance-abuse">mental health issues</a>, parenting issues, marital conflicts, and more. Anything you share with the counselor is completely confidential, and if you need more assistance, your counselor can help you find a cost-effective program or service that meets your needs.<sup>4</sup></li>
 	<li>Online resources. BHO provides links to online work-life resources, including:<sup>5</sup>
<ul>
 	<li><a href="https://mental-health-matters.com/" target="blank">Mental Health Matters</a>, a directory with treatment options, research, statistics, legal issues, publications, and support for mental health issues.</li>
 	<li>MEDLINE Plus, a government-run site that provides reliable and up-to-date information on health issues, including addiction and mental health.</li>
 	<li><a href="https://www.mayoclinic.org/" target="blank">Mayo Clinic</a>, a comprehensive directory of illnesses, including symptoms, treatment, and prevention.</li>
</ul>
</li>
 	<li>Follow-up care. <a href="https://www.bhoptions.com/Member/Hospital-Follow-Up-Program" target="blank">Up to 40% of people hospitalized for a mental health condition have to go back within a year</a>.<sup>6</sup></li>
</ul>
[ssvob]
<h2>Types of Addictions Typically Covered</h2>
BHO will typically cover most major addictions. To know for sure if you can receive treatment for the substance to which you are addicted, it’s best to check with BHO.

Some of the most commonly covered substances include:
<ul>
 	<li>Alcohol.</li>
 	<li>Heroin.</li>
 	<li>Cocaine.</li>
 	<li>Methamphetamine.</li>
 	<li>Marijuana.</li>
 	<li>Prescription drugs, such as <a href="https://americanaddictioncenters.org/prescription-drugs">opioids, stimulants, and benzodiazepines</a>.</li>
</ul>
Many rehab programs will be able to treat these addictions, so you should look for a facility that is covered by your BHO plan to get the treatment you need.

[callout title="Will My Employer Find Out?"]

American Addiction Centers and other rehab centers are <a href="https://americanaddictioncenters.org/notice-of-privacy-practices">required to protect identifiable health information</a>. They are generally not allowed to disclose to someone outside the program that you are seeking treatment there or any of your health information. However, they can share relevant information under certain circumstances, such as the following:
<ul>
 	<li>You give your consent in writing.</li>
 	<li>A court orders that the information be disclosed.</li>
 	<li>It is needed in a medical emergency or for research or a program audit.</li>
</ul>
Your privacy as a client is taken extremely seriously and is protected under law.

[/callout]
<h2>How Do I Use It?</h2>
The first step is to verify your benefits and find out what your plan will cover. Keep in mind that people can have different plans and coverage varies depending on the plan.

You have a few options for verifying your benefits. You can call one of our admissions navigators at 888-966-8152, use the chat feature on our site, or use the form on this page.

We can help you find a good program for yourself or a loved one based on your particular situation.
<h2>Sources</h2>
<ol>
 	<li>Behavioral Healthcare Options. (2019). <a href="https://www.bhoptions.com/Member" target="blank"><em>Member Homepage</em>, <em>Behavioral Healthcare Options, Inc</em></a><em>.</em></li>
 	<li>Behavioral Healthcare Options. (2019). <a href="https://bhoptions.com/Member/About-BHO" target="blank"><em>About BHO</em></a><em>.
</em></li>
 	<li>Behavioral Healthcare Options. (2019). <a href="https://www.bhoptions.com/Member/Mental-Health" target="blank"><em>Mental Health and Substance Use</em></a><em>.
</em></li>
 	<li>Behavioral Healthcare Options. (2019). <a href="https://www.bhoptions.com/Member/Employee-Assistance-Program" target="blank"><em>Employee Assistance Program</em></a>.</li>
 	<li>Behavioral Healthcare Options. (2019). <a href="https://www.bhoptions.com/Member/Online-Resources" target="blank"><em>Online Work-Life Resources</em></a>.</li>
 	<li>Behavioral Healthcare Options. (2019). <a href="https://www.bhoptions.com/Member/Hospital-Follow-Up-Program" target="blank"><em>Hospital Follow-Up Program</em></a>.</li>
</ol>

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