Cigna Drug Rehab Coverage

Getting treatment for addiction takes courage, but it also takes money. Many people are worried about the cost of treatment, and they let that fear stop them from taking the following steps. However, when you reach out to Arista, we can help you review your options for Cigna drug and alcohol rehab center and find the treatment that works.

A drug rehab that takes Cigna can give you the recovery support you need with the insurance coverage you already have.

Contact Arista Recovery to learn more about how our Cigna recovery center can help you overcome addiction today.

Does Cigna Cover Drug and Alcohol Rehab?

Cigna covers some aspects of treatment, often at an approved Cigna drug and alcohol rehab center. Cigna provides health insurance to over eighty-six million people, with different policy levels that offer varying degrees of coverage. Cigna policyholders can get services like:

  • Detox services
  • Drug rehab treatment
  • Alcohol rehab treatment
  • Counseling

Employee Assistance Program

If you want to learn more about a Cigna addiction treatment center and what to expect, Cigna offers an employee assistance program where you can talk to clinicians about substance abuse. You can schedule meetings over the phone or with a live chat function connected to a licensed counselor.

Note: This is only a function available to individuals with a healthcare plan their employer purchased.

Let Arista Recovery help you confirm your policy and how your benefits can help. Contact us today for help verifying your insurance coverage.

Cigna Plans

Cigna has multiple types of plans and several levels within each type. Your plan is based on what is covered and how much is covered.

Plan Types

Cigna has four types of plans:

  • HMO: health maintenance organization plan where you choose your primary care physician from a network of providers.
  • EPO: exclusive provider organization plan where you choose treatment providers from an existing pool of in-network providers exclusively.
  • POS: point-of-service plan where you must get a referral from your primary care physician for additional treatment.
  • PPO: preferred provider organization plan where you can go to in-network or out-of-network providers, but there are higher costs for out-of-network. You also do not need a referral to see a specialist.

Policy Types

Within those four types of plans, Cigna also has several policy levels, each offering different coverage for things like prescriptions, out-of-pocket deductibles, and monthly premiums.

  • Bronze: This is the cheapest plan. Cigna covers only sixty percent of your costs; you must cover the other forty percent.
  • Silver: The silver plan is the middle-of-the-road plan where Cigna pays seventy percent of your costs, but you are responsible for the remaining thirty percent.
  • Gold: This is the third most expensive plan, with a high monthly premium but a lower deductible. It states that you only pay twenty percent of your overall costs, and Cigna will pay the other eighty percent.
  • Platinum: This is the most expensive plan. It has the highest monthly premiums, but Cigna pays ninety percent of your healthcare needs, including addiction treatment.

To determine what is offered, you can sign into your account and look up your digital ID card or at the back of your physical card. Not all Cigna policyholders receive a physical card, but coverage information is still detailed online and can be accessed over the phone.


Cigna also offers online addiction support tools like articles, podcasts, and other educational material. This can help individuals and their families learn more about addiction and what to expect in treatment, but it doesn’t necessarily help find a facility.

How to Find the Right Cigna Rehab Center

Almost all policies will apply for some coverage, if not full coverage, to services rendered by an in-network facility. The best way to determine your coverage is to verify your policy. From there, you need to find qualified facilities.

In-network: An in-network facility is a drug and alcohol rehab center that has already agreed with Cigna on a service price list. This means your insurance company knows approximately how much your treatment will cost, so they can foot your bill based on that prediction.

Out-of-network: An out-of-network facility is someone outside your network with no agreed-upon price list. This makes insurance companies more apprehensive about agreeing to cover costs because they can’t anticipate them.

Most policies will apply coverage for mental health and substance abuse services to in-network facilities exclusively. You are welcome to choose an out-of-network facility, but your insurance policy will likely cover a much smaller percentage of the cost, if any. Our Kansas City drug rehab center takes Cigna insurance!

Does Cigna Cover Outpatient Treatment?

Cigna plans can cover a range of addiction services, including outpatient programs, intensive outpatient programs, and partial hospitalization programs. They also offer some degree of coverage for co-occurring mental health and substance abuse treatments. To get the highest level of coverage, you need to pick services from a Cigna addiction treatment center, considered an inpatient facility.

Make the call that can change everything. Reach out to our team today.

Does Cigna Cover Inpatient Treatment?

Yes, some plans cover inpatient drug rehab programs. What is covered depends on your policy. For example, your policy might cover detoxification services rendered at a Cigna addiction treatment center as part of your inpatient care as well as medications and mental health treatment.

Take control of your happiness with one phone call. Reach out to Arista now.

How Long Will My Insurance Pay For Treatment?

The length of time covered by your program is based on your needs and policy. Most Cigna rehab centers offer treatment plans in 30-day, 60-day, and 90-day increments. Outpatient care can go much longer.

Basic mental health services covered under all policies by federal law can include up to twelve weeks of therapy sessions which equates to 90-day treatment programs, but which modalities are covered can fluctuate.

You are not alone. Take the next step with Arista Recovery.