Cigna Healthcare provides top-quality health care to millions of members worldwide through various services, health plans, and resources.1 If you or a loved one is struggling with addiction, you can use your Cigna health insurance coverage for rehab and treatment services.
Every plan is different, however, and verifying your insurance benefits can help you understand the coverage you’ll receive.
Cigna is a global health services company that provides healthcare through convenient programs.2 Cigna prioritizes affordability and complete health plans that put people first.2 With a network of 1.65 million hospitals and healthcare professionals, Cigna’s coverage extends to over 200 countries.2 Cigna offers individual and family, employer, Medicaid, and Medicare plans, so you’ll have flexibility in health, dental, and supplemental insurance.
Massachusetts Cigna health plans have tiered levels of coverage, sometimes called “metal plans.” All plans have Cigna in-network rehab facilities but range in price and level of coverage.3 Each plan also has different co-pays and deductibles.3
The bronze level plan is the most affordable, offering 60% coverage for health care through Cigna.3 Silver level plans cover 70% of healthcare costs and are more expensive.3 The gold plan is less affordable but covers 80% of healthcare costs, while the platinum plan is the priciest, covering 90%.3
Cigna may cover some or all inpatient rehab costs in Massachusetts. The Affordable Care Act (ACA) considers substance use treatment an essential benefit, meaning all insurance plans must provide coverage to some degree.4 Addiction treatment looks different for everyone, and what works for one person may not work for another.5 That’s why several levels of care are available to meet you where you are in your recovery journey.
In inpatient rehab, you receive 24/7 continuous care under the supervision of medical professionals.6 People with severe addictions who need to separate from their everyday environment often benefit from inpatient treatment.6 Most programs last at least 30 days, but some can go up to one year.6 Inpatient rehabs may offer medications for addiction treatment as part of a patient’s treatment plan, in addition to evidence-based treatment services, like individual therapy, group counseling, and psychoeducation.5
Cigna also covers at least a portion of the costs for outpatient rehab. With outpatient rehab, you can receive similar treatment to inpatient rehab while living at home.5 Outpatient rehab programs vary in intensity from less structured standard programs to programs offering in-depth care, like intensive outpatient programs (IOPs) and partial hospitalization programs (PHPs).5 People may transition to outpatient treatment after completing an inpatient program or start care in outpatient treatment if they have a mild or moderate addiction.
Cigna covers mental health treatment in Massachusetts. Sometimes people have an addiction and a mental health illness, like anxiety, depression, or post-traumatic stress disorder (PTSD).5 This is known as a co-occurring disorder. Addiction specialists use multiple behavioral approaches to treat both conditions effectively at once.5 Common therapies used to treat addiction and co-occurring disorders include:
Cigna covers other types of addiction programs and services in Massachusetts. Treatment is most effective when it puts your unique needs first.5 Some programs focus on rebuilding relationships, while others have targeted care for specialized populations.
Most major insurance companies cover addiction rehab and other services to some level. Other common healthcare plans you can use to cover addiction treatment are:
There are several other ways to attend rehab beyond paying for treatment with insurance. Although Cigna substance use coverage may cover a portion of your costs, there’s always the possibility you’ll still have some out-of-pocket payments. Many options are available in Massachusetts if you need to pay additional fees or don’t have insurance.
You can still get the care you need by paying out of pocket with cash, credit, grants, or loans. Many state-funded programs and free rehabs are also available that base your costs on your income.