Cigna Insurance for Drug and Alcohol Rehab Treatment

On this page, you will learn about Cigna health insurance coverage for substance abuse treatment and how to confirm what benefits are available under your specific plan.
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Provider Overview

About Cigna and Alcohol and Drug Rehab Coverage

Cigna is a global healthcare business that serves over 180 million people in over 30 countries around the world.1 Cigna insurance provides coverage for a host of medical needs, including the treatment of mental health and rehab for substance abuse disorder.

This page will provide you with a brief overview of the alcohol and drug addiction rehab coverage many Americans with Cigna health insurance can expect to receive.

Please note: While American Addiction Centers (AAC) strives to provide you with the most updated information on each carriers’ addiction insurance coverage, policy changes and errors do occur. This is meant to be a brief overview of how Cigna insurance covers addiction treatment and not a comprehensive guide. Please check with your insurance carrier directly or call 1-888-744-0069 to confirm coverage levels.

Coverage Levels and Plans
Treatment Coverage
Check Benefits Coverage
Additional Resources

Cigna Insurance Coverage Levels and Coverage Plans

There are several tiers and options when you choose Cigna health insurance benefits. Available plans and the coverage these policies provide may vary based on:

  • The state you live in. Cigna provides coverage in:2
    • Arizona
    • Colorado
    • Florida
    • Illinois
    • Kansas
    • Missouri
    • North Carolina
    • Tennessee
    • Utah
    • Virginia
  • Your employer. When you choose Cigna insurance through your employer, you typically choose from the following options:3
    • Health Maintenance Organization (HMO) plans. HMO plans typically limit your coverage to medical professionals who contract with Cigna.
    • LocalPlus® plans. These plans are cost-effective options that limit coverage to services provided in your locality or any LocalPlus Network area.
    • Open Access Plus (OAP) plans. These plans allow you to choose a primary care provider (PCP) and do not require a referral for in-network professionals. Out-of-network coverage is not provided except in emergencies.
    • Preferred Provider Organization (PPO) plans. PPO plans allow you to receive treatment outside of the Cigna-recommended network; however, taking this route usually results in a higher deductible or co-insurance percentage. You may also have to submit these claims yourself.
  • Whether you have a customizable plan. These may include:3
    • Cigna SureFit® plans. These plans are available in select areas and are customizable to help meet the needs of employees and employers.
    • Indemnity plans (Network Savings Program). Employees on this plan are allowed to visit any licensed provider or facility and can see a specialist without a referral.
  • Whether you have a government-funded plan (such as Medicare or Medicaid). There are minimum government-mandated levels of coverage, but Cigna offers options to add additional benefits; for example, Medicare Advantage plans and prescription drug plans.4 Medicaid coverage may vary substantially between states.5

Here are some terms that are also important to understand:

  • Deductible: This is the annual amount you must pay before Cigna will begin covering expenses.6
  • Copayment: Once you reach your deductible, you’ll still have to pay a small amount each time you visit the doctor or need medication (e.g., $20 each time you see the physician).7 In some instances, your deductible may not apply to your copayment amount.
  • Co-insurance: This is the percentage of the total cost you’ll pay when you need treatment (e.g. 20% of the cost of a stay at the hospital.8
  • Out-of-pocket limit/maximum: This is the maximum amount you’ll have to spend per year. It includes deductibles, copayment, and co-insurance. Once you hit this amount, insurance covers the rest.9 Often, this will be the total amount you end up owing for inpatient or outpatient treatment.

It’s important to reach out to your provider to verify your coverage before you enter any form of rehabilitation treatment.

Does Cigna Insurance Cover Inpatient and Outpatient Rehab?

Cigna health insurance will cover inpatient rehabilitation and outpatient treatment in most cases (though this may change depending on your specific plan and circumstances). If you need inpatient or outpatient treatment for a mental health, behavioral health, or substance abuse problem at a Cigna network facility, you may have to pay for costs such as the deductible, copayment, co-insurance, and prescription medications (if you require medication assisted treatment).10, 11

You should follow your employer’s medical plan requirements and schedule an appointment with a doctor, counselor, therapist, or treatment hospital. You can also work with these individuals or groups when coordinating your treatment, care, or referral. Your Cigna plan documents include details about treatment that may require prior approval by Cigna before you can begin.

If needed, your inpatient and outpatient treatment may be combined with follow-up case management services. Cigna offers coaching and support programs, as well as referrals to local community support groups and online resources.10, 11

Checking Your Insurance Benefits

There are several ways to check your Cigna health insurance benefits. You can:

  • Check your insurance paperwork that was provided when you were hired by your employer.
  • Call the Cigna customer service line.
  • Log into the myCigna website or App. If you have not registered already, do so by providing your:
    • Name and date of birth.
    • Zip code.
    • Social security number (SSN) or Cigna ID number (found on your benefit ID card).

In most cases, Cigna insurance provides coverage for addiction and mental health services, provided you have an insurance plan through your employer or a government-funded plan such as Medicare or Medicaid; however, this may not be the case with certain customizable plans.

To find out what your insurance policy covers, contact an admissions navigator at 1-888-744-0069 , use the “Verify Your Insurance” portal, or fill out the form below.

Additional Resources on Health Insurance Providers and Coverage Levels

The resources below can help you learn more about your health insurance coverage levels, how to get your insurance company to pay for drug and alcohol rehab, and how to pay if you don’t have insurance.

Additional Resources on Drug and Alcohol Rehab

Whether you’re looking for a specific type of rehab treatment, substance related information, or additional guides there are a number of resources available.

Check Your Policy Coverage

With the form below you can quickly and privately check your insurance benefits to see if you're covered for addiction treatment services. We’ll be able to tell you if your policy is in-network at an American Addiction Centers location.
Verification of Benefits Form

Please fill out the form below to verify your insurance coverage.

* These fields are required

(555) 555-5555
How to Read Your Insurance Provider Card
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  • 1Insurance Provider Name
  • 2Policy Member's Full Name
  • 3Policy Membership/Subscriber ID
AAC Locations

Learn more about our treatment facilties

American Addiction Centers (AAC) owns and operates facilities at various locations nationwide to provide you or your loved one addiction and mental health care.

American Addiction Center Facilities

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Frequently asked questions
What is the purpose of this form?
By filling out and submitting this form, you will instantly receive results confirming if your insurance provider is actively covering addiction related services and treatments or not. If your insurance is in network with American Addiction Centers (AAC) you will be notified by our admission navigators.
What are the next steps?
You will be contacted by an American Addiction Centers (AAC) admissions navigator who will provide you with information to help you make an informed decision about addiction treatment. Our admissions navigators are available to answer any questions you may have as you consider whether treatment with AAC is right for you.
Which treatment centers can I go to?
American Addiction Centers (AAC) has multiple locations across the country. Depending on your insurance coverage, our admission navigators will provide information about which location will best cover your treatment and fit your treatment needs. See our loactaions.
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