Using Michigan Cigna Health Insurance for Addiction Treatment

Michigan is unique in many ways. It has the longest freshwater coastline, thanks to the 5 Great Lakes surrounding it.² It is also the only state with 2 peninsulas.²

Of the nearly 10 million people who call Michigan home, around 63,414 state residents sought substance abuse treatment at a rehab facility in 2022.^2,3 The most misused substance that Michiganders went into rehab for was alcohol and opiates.³ These facts tell us that despite the natural beauty of Michigan, people there still face considerable challenges with substance misuse.³

Cigna is a well-established provider of health insurance for individuals and families. It is committed to helping clients with a substance misuse disorder by providing coverage for treatment.¹

Cigna Insurance provides clients with health solutions. It works globally to provide coverage to clients by offering medical, dental, and supplemental health insurance.⁴

Over the past 230 years, Cigna has had more than 190 million customers.⁵ Cigna rehab coverage is a solution for Michiganders struggling with substance misuse.

Rehabs that take Cigna will work with the different insurance tier levels. These tier levels are:⁶

• Bronze health plan. With this level, you’ll have 60% of services covered for a lower premium cost.
• Silver health plan. This plan will cover 30% of care.
• Gold health plan. Gold-level care costs more monthly but will cover 80 % of treatment services.
• Platinum health plan. This is the highest level of coverage, with 90 % of services provided.

Cigna drug rehab will cover all or part of an inpatient treatment program. Your coverage depends on the tier level and other factors, such as the type of services you receive while in rehab and the type of facility you go to.

Cigna provides coverage for various treatment levels, including outpatient rehab. You can obtain more details about your insurance coverage by verifying your benefits on this page.

Several types of therapy are used in addiction treatment and serve as an instrumental part of a drug rehab program. These therapies include:

• Cognitive behavioral therapy (CBT)
• Contingency management (CM)
• Rational emotive behavioral therapy (REBT)
• Dialectical behavioral therapy (DBT)
• Motivational interviewing (MI)
• Eye movement desensitization and reprocessing (EMDR)
• Matrix model
• Family therapy

You may benefit from additional types of addiction programs in Michigan, such as:

• Couples treatment. Relationship dynamics can become maladjusted when a partner or both partners misuse a substance. This treatment helps address those issues, aiming to restore relationships.
• Rehab for Veterans. Veterans face particular types of difficulties that are addressed in this rehab program.
• Aftercare. Continuing treatment in an aftercare program aims to help prevent a relapse.

Other insurance companies that also cover at least some of the cost of addiction treatment include:

• Aetna.
• Humana.
• Kaiser Permanente.
• Blue Cross Blue Shield.

If you are concerned about how to pay for rehab, there are financial options. If you don’t have any insurance, you can ask the Admission Navigator about a state-funded rehab or a free rehab near you.

For those who will pay using Cigna insurance, please note that you will have other costs, such as co-pays and deductibles. You may be able to obtain financial assistance for these or a sliding fee scale. It’s important to move ahead with treatment for your well-being.

1. Cigna Healthcare. (2023). Mental health and substance use benefits.
2. State of Michigan. (2023). About Michigan.
3. Substance Abuse and Mental Health Services Administration. (2023). Quick Statistics Michigan.
4. The Cigna Group. (n.d.). Global.
5. The Cigna Group. (n.d.). Company profile.
6. Cigna Healthcare. (2023). Bronze, Silver, Gold, and Platinum Health Plans.