Cigna Rehab Coverage

Cigna Rehab Coverage: Your Path to Sobriety with Purpose Healing Center

The ACA Ensures Insurance Coverage for Drug Addiction Treatment

These laws changed the game for those who needed substance abuse treatment. Before the ACA, insurance coverage would often disallow drug or alcohol rehab centers, claiming the client had the underlying health condition before they had the health insurance plan.

Thankfully, those days are behind us! Cigna Insurance and other major insurers must cover mental health services.

Companies that do not comply with the terms cannot participate in the Health Insurance Marketplace, limiting their ability to sell directly to consumers.

Cigna Insurance and Mental Health Treatment

Many people who turn to substance abuse find themselves in a difficult spot due to a mental health diagnosis. Effective, long-lasting drug and alcohol rehab is not possible without receiving the mental health services that support the hard work done in counseling and therapy.

You might hear drug or alcohol addiction specialists refer to this situation as a co-occurring disorder or dual diagnosis. That language simply means that a client has a drug or alcohol addiction problem but also has a mental illness at the heart of the substance use disorder.

How Substance Use Disorders Converge with Mental Illnesses

A past Purpose Healing Center client named Jimmy had worked for a road repair contractor. While working one sunny morning, a distracted driver veered past the safety barrels and into his worksite. Jimmy escaped the incident with a relatively painful but not serious back sprain, but he sustained severe psychological trauma. He was less than three feet away from his co-worker, whom the distracted driver instantly killed – right in front of Jimmy’s eyes.

The nightmares started as soon as Jimmy stopped taking the pain medication the doctor had prescribed for his back. Not a night passed that Jimmy didn’t relive the incident. He saw the look of terror in his buddy’s eyes in that last split second before his death

Over the next few weeks, Jimmy started to drink straight whiskey, often pairing it with over-the-counter sleep remedies to force himself to sleep. He felt groggy during the day, an unsafe situation for his line of work.

Getting Help for Trauma: Made Possible at Purpose

Jimmy’s company had reminded him after the accident that Cigna Insurance, their group health plan provider, would offer treatment coverage for counseling services. His HR department had a talk with him right after the tragedy; they even urged him to avail of the counseling assistance.

Until then, Jimmy had not reached out for help. But he knew that he could not continue to relive the nightmare. He called Purpose Healing Center, which was near his home in Scottsdale. The outpatient programs were perfect for balancing his daytime job and getting help.

Jimmy learned that the accident caused post-traumatic stress disorder, and he was using alcohol and sleeping pills inappropriately. The counselors shared some healthy coping mechanisms with him, and he was able to stop drinking and continue working. He still sees flashbacks of the accidents sometimes, but now he knows how to quiet the thoughts before they cause bigger problems.

Does Cigna Cover Inpatient Treatment or Outpatient Services?

By now you know that Cigna health insurance covers substance abuse treatments. But you probably still have many other questions. Keep reading for frequently asked questions about Cigna insurance and addiction treatment services.

What Are the Benefits of Inpatient and Outpatient Care?

At Purpose Healing Center, we provide clients with either inpatient treatment or two types of outpatient programs. Here are the benefits of each of the treatment facilities.

Benefits of inpatient treatment centers:

• Inpatient care is the more intensive treatment for substance use disorders.
• It’s also better for people who struggle with long-term or the most severe addictions.
• You receive 24/7 monitoring from qualified health care providers.
• The structured, round-the-clock care setting provides fewer chances for relapse.
• You get the benefit of individual, family, and group therapy.
• The rehab facilities at Purpose Healing Center are generously appointed.
• You will receive nutritious meals, a swimming pool, and other recreational opportunities.
• You may qualify for medication-assisted treatment (MAT); these are FDA-approved medications that help you step down from harmful drugs and alcohol.

Does Cigna cover inpatient rehab? In many cases, yes, depending on specific client needs.

Benefits of partial hospitalization programs:

• A partial hospitalization program (PHP) is best for someone who struggles with substance use disorder but can’t commit to a residential program.
• PHP is less intensive than residential treatment centers, but PHP still means spending four to six hours daily at the rehab center, for at least five days per week.
• You benefit from various therapies: individual, group, or family.
• You’ll go home to sleep at night, but you must have a supportive family to help you avoid relapse.
• You enjoy our serene outpatient facilities, where you will work with caring counselors and addiction treatment specialists.
• MAT is often part of a program, especially for recovery from alcohol addiction or opioid use disorder treatment.

Cigna covers this outpatient treatment program for those who qualify.

Benefits of intensive outpatient programs:

• An intensive outpatient program is best for someone with family commitments, school, or a job.
• You attend treatment during the day and go home each evening; however, you must have a supportive network to support your success.
• Most attend one of our IOP facilities for at least nine hours per week.
• Outpatient services at Purpose Healing Center occur in a calm, safe environment.
• You will feel comfortable and calm in our thoughtfully-arranged facilities.
• Treatment services include individual, group, and family therapy.
• Intensive outpatient rehab can be a step-down for someone who has completed inpatient or PHP but isn’t ready to leave the facility altogether.
• You may receive MAT, especially in recovery programs for opioids or alcohol addiction.

Our team works with Cigna Insurance daily. We will help you use your insurance coverage to get treatment at the level of care most appropriate for your specific needs.

How Does Addiction Insurance Coverage Decide on the Level of Care?

Insurance companies must provide coverage for addiction treatment centers under the ACA. However, they play a role in determining whether an individual qualifies for inpatient or outpatient treatment.

The four primary questions that Cigna will consider include these:

How long have you used drugs and alcohol? A longer history may indicate a more severe problem and be approved for the most intensive and comprehensive care.

How often have you used drugs and alcohol? The frequency of your use also helps the insurance company determine how severe your substance use disorder may be. They often weigh this along with the length of your usage history.

When was the last time you used drug and alcohol? This question helps Cigna Insurance determine if a person is in active addiction or endangering themselves or others. In some cases, they will immediately approve a drug and alcohol rehab program to enhance safety.

Have you tried other drug rehab centers in the past? Asking about other drug rehab treatment centers helps them rule out what has not worked to guide you toward an effective drug/alcohol rehab program that will yield better results.
You do not have to call Cigna yourself; we know the ins and outs of leveraging your benefits, and we speak their language. Let our insurance verification specialist go to bat for you!

Get Accredited Treatment Programs at Purpose.

Does Cigna Insurance Cover Medical Detox?

Yes. Regardless of what care level is best for you, Cigna will often cover medical detox. Medical detoxification is the safest way to start your drug and alcohol addiction treatment. Abruptly stopping the chemicals your brain has grown to depend on can be dangerous. That is especially true if your drug of choice is alcohol or opioids.

Medically-supervised detox also makes the withdrawal symptoms less severe. Your care team will monitor your general health and provide medication to ease the most unpleasant symptoms, making you likelier to follow through with the remainder of your treatment.

Manage Withdrawal Symptoms in a Safe and Effective Setting

The symptoms you might experience during detox range from mild to severe. It largely depends on whether you use alcohol or drugs and what your drug of choice is. Other factors include an individual’s metabolism, size and weight, and use frequency.

Generally, some withdrawal symptoms you might experience are the following:

• Sweats or cold sweats
• Nausea, vomiting, diarrhea
• Shaking or tremors
• Mood swings
• Cravings for your drug of choice
• Body aches that feel like the flu
• Changes in appetite
• Sleep disruptions
• Changes in your blood pressure
• Exhaustion and fatigue
• Brain fog

These symptoms don’t impact everyone. Some people have relatively mild symptoms while others require medication to stay comfortable. However, they certainly explain why your Cigna health insurance policy covers medical detoxification.

Up To 100% of Rehab Costs Covered By Cigna