Substance use disorder (SUD) treatment costs, such as detoxification, inpatient and outpatient rehabilitation, and long-term residential treatment, may be partially or entirely covered by Cigna, depending on the details of your individual policy. Below, you’ll learn more about Cigna’s insurance coverage for addiction treatment in Arizona and how to verify your particular benefits.
Do Cigna Insurance Plans Cover Drug and Alcohol Rehab in Arizona?
Cigna insurance offers plans that cover drug and alcohol rehab in Arizona. However, the exact coverage and benefits will depend on the insured’s specific plan. Cigna insurance plans for drug and alcohol rehab in Arizona may include coverage for various services, including, but not limited to, the following5:
- Inpatient and outpatient treatment
- Detoxification
- Medication-assisted treatment (MAT)
- Behavioral therapy
- Prescription drug coverage
- Aftercare
- Sober living facilities
- Programs for coaching and assistance that are specifically designed for you and your situation
- Recommendations for regional nonprofit organizations, behavioral coaches, and online sources
Remember that there may be certain limitations and requirements for coverage, such as pre-authorization or referrals from a primary care physician. Therefore, understanding your plan’s specific terms and conditions before seeking treatment to avoid unexpected costs is essential.
Call 866-558-1376 to determine the details and exclusions of your specific Cigna insurance benefits.
Do Cigna Insurance Plans Cover Mental Health Rehab in Arizona?
Yes, mental health rehab, which includes treatment for issues including depression, anxiety, bipolar disorder, and schizophrenia, is often covered by Cigna insurance policies. Most of their insurance policies include mental health treatment services, such as inpatient and outpatient rehab, therapy, and other associated treatments.
The following is a partial list6 of services that your Cigna mental health rehab benefits may include:
- Individual Therapy: You’ll speak with a qualified mental health specialist like a psychologist, social worker, or counselor. Treatment methods may include cognitive-behavioral therapy (CBT) or dialectical behavior therapy (DBT).
- Group Therapy: Meeting with a group of individuals who are working on similar mental health issues
- Inpatient Care: You’ll stay in a hospital or residential treatment facility to obtain round-the-clock care and assistance for a mental health condition
- Intensive Outpatient Program (IOP): More structured and intensive treatment for mental health conditions than traditional outpatient therapy
- Medication Management: Costs and managed care for medications used to treat mental health conditions, such as antidepressants, antipsychotics, and mood stabilizers
- Neuropsychological Testing:7 Find out how a mental health issue affects your capacity for thought, concentration, problem-solving, or memory through evaluation(s)
- Outpatient Care: Visiting a mental health clinic or therapist’s office for therapy sessions and other treatment services
- Partial Hospitalization Programs (PHP): Several hours a day in a hospital or residential treatment center for mental health treatment
- Telehealth and Virtual Care: Online therapy sessions or virtual support groups
- Wellness Programs: Resources to support the health and well-being of members
Arizona Inpatient and Outpatient Rehab Centers That Take Cigna Insurance Plans
Virtue Recovery Center has been saving lives from substance abuse with multiple treatment locations in several states, including two nationally accredited luxury facilities in Arizona. These evidence-based inpatient and outpatient drug and alcohol rehabilitation centers provide care for those suffering from addiction, dual diagnosis, and underlying trauma.
Below are links to our Arizona-based rehabilitation facilities:
How Much Does Rehab Cost in Arizona for Cigna Insurance holders?
The cost of rehab in Arizona for Cigna insurance holders can vary depending on several factors, including the type of rehab program, the length of stay, and the specific Cigna insurance plan you have. The cost can range from a few thousand dollars to tens of thousands or more.
See below for a general outline of Cigna’s four coverage tiers8:
- Bronze: You are responsible for 40% of the cost of your medical care, and Cigna will pay the remaining 60%. Additionally, this tier has the lowest premiums of all the alternatives.
- Silver: With a 30% out-of-pocket payment required, the silver tier covers around 70% of your expenses. The premiums are high compared to bronze but inexpensive compared to the following two tiers.
- Gold: Only 20% of your expenses are out-of-pocket. However, to offset the out-of-pocket costs, you also have higher premiums.
- Platinum: Platinum has the highest premiums but covers practically all your medical expenses, leaving you with only a 10% out-of-pocket expense.
In addition, it’s important to remember that Cigna insurance could require you to meet your deductible or pay other out-of-pocket expenses, like copays before their coverage begins.
How To Check Cigna Coverage Levels in Arizona?
Contacting Cigna yourself can be challenging. However, you can easily verify insurance coverage by filling out our no-obligation online form or calling 866-558-1376. Allow one of our highly qualified staff members to contact Cigna to confirm rehab coverage levels in Arizona. We can then review your policy with you before discussing the next steps.
Virtue Recovery Center is in-network with most insurance plans. We have all the answers to the common questions: “Do Cigna insurance plans cover rehab in Arizona?” and “How much does rehab cost in Ariznoa with a Cigna insurance policy?”
In addition to eliminating the difficulties and wait times associated with contacting your insurance provider, our staff is committed to your privacy and peace of mind. Rest assured that any information you provide or discuss will remain confidential.
How To Get My Cigna Insurance To Pay For Rehab Treatment
Getting Cigna insurance to pay for rehab treatment may vary depending on your specific plan and circumstances. However, below are some general steps you can take to get your Cigna insurance policy to cover rehab treatment:
- Contact Cigna: Virtue Recovery Center can handle this step for you. Call 866-558-1376 or fill out our confidential, no-obligation online form
- Get a referral: Depending on your plan, you may need to obtain a referral from your primary care physician or a behavioral health specialist to receive coverage for rehab treatment. Contact your doctor to get a referral if necessary.
- Choose a rehab facility: Once you have verified your coverage and gotten a referral if needed, you can start looking for rehab centers in Arizona that take Cigna insurance policies and meet your needs. Be sure to choose a facility in-network with Cigna to maximize your coverage and minimize out-of-pocket costs.
- Get pre-authorization: Before starting rehab treatment, you may need pre-authorization from Cigna to ensure the treatment is covered. The rehab facility or treatment provider can help you with this step.
- Follow treatment plan: Once you have received approval for Cigna rehab treatment, it’s essential to follow the recommended treatment plan and attend all appointments and sessions as scheduled. You risk denial of coverage or other penalties if you fail to comply with the treatment plan.
How Many Times Will Cigna Pay for Rehab in Arizona?
The number of times that Cigna will pay for rehab in Arizona depends on your policy’s specific terms and conditions. However, as long as it is medically necessary and meets the criteria for medical necessity, Cigna typically provides coverage for rehab treatment.
Certain plans may cover multiple rounds of rehab treatment, while other plans may have a specific limit on the number of rehab treatment sessions or days of coverage per year. Additionally, some plans may have a lifetime limit on the coverage you can receive for rehab treatment.
Keep in mind that even if your Cigna insurance plan has a limit on the number of times it will pay for rehab treatment, you may be able to appeal for additional coverage if you can demonstrate medical necessity. Your treatment provider or the rehab facility may be able to help you with this process.