Cigna Insurance Coverage for Addiction Treatment in CT
Can I use Cigna insurance to pay for drug treatment in CT?
Cigna offers a range of health insurance and employee benefits plans. Cigna’s Behavioral Health division supports those who are looking to recover from a drug or alcohol addiction in Connecticut. In addition to providing articles, tools and podcasts for individuals and family members, it offers an educational series that provides information on the physical, mental and emotional signs of addiction. Each lesson offers advice for those in recovery, as well as their family members.
Cigna is a global healthcare service company dedicated to helping people improve their health, well-being and sense of security. Cigna traces their roots back more than 200 years but became the company we recognize today in the early 1980s with the merger of INA Corporation and Connecticut General Corporation. Since then, they have continued to innovate and expand around the world. Their more than 40,000 employees serve customers just about everywhere in the world.
Cigna Benefits for Drug and Alcohol Treatment
For substance abuse and mental health problems, Cigna gives you access to psychiatrists, psychologists, counselors, therapists, social workers, psychiatric nurse practitioners, and primary care doctors throughout Connecticut. Because behavioral health issuers often go hand in hand with substance abuse, it is important to address behavioral health problems if you are seeking care for substance abuse. Login to mycigna.com for specific information about your plan benefits for alcohol and drug treatment in CT.
What Kind of Addiction Rehab is Available with Cigna Insurance
Drug and alcohol rehab has evolved and improved over the past few decades. Historically, the usual approach was a referral to a 28-day inpatient treatment program. Currently, there are a number of treatment models and environments which allow individuals to integrate treatment into their lives once they are ready.
Here are the types of treatment available to support you in recovery from drug and alcohol addiction:
Alcohol and some drugs can cause physical dependency and withdrawal symptoms. Some alcohol and drug dependent individuals can have a safe detox in an outpatient setting. The need for admission to inpatient treatment for detox depends upon the amount of alcohol and/or the type of drug being ingested, the severity and length of use and current mental and physical condition of the individual. Medical risk factors relating to the patient’s other illnesses are also considered.
Rehabilitation (Residential and Inpatient)
These rehab programs are offered in Hospitals and Alcohol and Drug Treatment Facilities. Patients receive 24-hour supervision with oversight of psychiatric and medical conditions while working on their recovery from addiction. Once the individual is stable they can typically move to an outpatient level of care for their ongoing treatment.
Partial Hospital Treatment (PHP)
PHP programs typically provide four to eight hrs of programming during the day, allowing individuals to go home at night. Typically, an evening self-help group such as AA or NA may be an addition to the treatment program. The advantage for the patient in these approaches is that they can be in a supportive environment while experiencing some of their stressors or triggers.
Intensive Outpatient Treatment (IOP):
Intensive outpatient programs typically meet for three to four hours at a time, often in the evenings. They may meet three to four days per week. Self-help group participation is usually expected when participating in IOP. As with the PHP, individuals can experience stressors and triggers while having the ongoing support of their team. Another important consideration is that individuals can return to work while attending an evening program.
Continuing Care Programs
Drug and alcohol treatment programs in Cigna’s network offer Continuing Care support programs. Usually these support or “alumni” groups meet weekly. Occasionally former clients organize their own social events to celebrate and strengthen recovery. Some people benefit from seeing an individual therapist after completing a treatment program.
Treatment of alcohol and drug abuse is a process that occurs over time. A person’s need for each particular type of treatment is determined by their own condition, not by pre-determined program duration like “28-days”, etc. The best results occur when the individual stays affiliated with a treatment program in their own community and participates in some form of a self-help group.
Length of Addiction Treatment Cigna Will Cover
Not everyone recovers from addiction at the same pace, which is why Cigna providers may consider other factors in terms of private addiction treatment. Instead of providing you with a pre-determined length of stay such as three days, Cigna will cover a portion of the stay for addiction treatment based on deductible and amount of coverage.
If you have any additional coverage through your employer or choose a more affordable treatment facility, you might have a longer stay. The treatment center and your insurance will keep your information discreet regardless of the duration of your stay.
What Are Cigna’s Requirements for Substance Abuse Treatment
In qualifying you for a substance abuse treatment program, Cigna considers a number of factors for rehab coverage in its plans. Cigna looks at the type and severity of the addiction, the cost-effectiveness of the program, and whether or not the specific treatment type meets their requirements for your specific rehab needs. Once accepted into an addiction treatment program, the professionals at the facility will work with Cigna to ensure that you receive appropriate treatment for drug or alcohol dependence.
For more details on your specific coverage through Cigna, you can also call the Member Services number on the back of your ID card. Cigna gives you access to your plan information via mycigna.com. This online portal can help you find addiction and behavioral health resources in your area. Because Cigna has a large network of providers, you can certainly find rehab treatment centers that accept Cigna health insurance in CT. To find a provider for substance abuse treatment near you, search the Cigna directory online.
Some helpful questions to ask regarding substance abuse therapies include:
- How do you decide that I need treatment?
- What coverage is available for addiction treatment?
- Will there be a copay or deductible for treatment services?
- Is there an out-of-pocket expense maximum for treatment?
- How can I find local rehab providers and whom do you recommend?
Once you are approved for rehabilitation services, you and your treatment team will need to check in regularly throughout rehab, to make sure each of the services you are provided is covered. If those therapies are not included, you and your team can determine what you are expected to pay out of pocket.
Utilizing Cigna Insurance for Addiction Treatment in Connecticut
We strive to provide the highest-quality treatment to any individual seeking help for themselves or their loved ones. Through utilization of our patients’ health insurance coverage options, maximization of insurance benefits available on their existing individual policies and affordable self-pay treatment rates, we will assist you to explore all your financial options.
We will work with Cigna to determine the best financial plan for you. Also, our financial case managers will determine if patient aid is available to be used in combination with your insurance benefits.