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Using Michigan Cigna Health Insurance for Addiction Treatment

Cigna Healthcare insurance provides a variety of health services through a portfolio of integrated health care plans and related services. Those with Cigna insurance in Michigan may have confusion about what their insurance plan covers when it comes to substance abuse and mental health services. This page is intended to help you figure out what your Cigna Michigan healthcare does and does not cover when it comes to drug and alcohol addiction treatment.
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If you are one of the Michigan residents struggling with opioids, alcohol, or other substances, you know that getting free of substance misuse would help you avoid becoming a statistic and give you the chance to live a happier, healthier life. You might wonder if your Cigna coverage in Michigan can help you get the treatment you need. Read on to learn more about Cigna insurance for substance use disorder (SUD) treatment as well as what to do if some or all of your treatment isn’t covered.

Michigan and Substance Use

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

To begin treatment and find Cigna in-network rehab facilities, you can call American Addiction Centers (AAC) and speak with an admissions navigator for details. They will help you through the process.

What Is Cigna Health Insurance?

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 When you contact a rehab facility, an Admissions Navigator will verify your Cigna insurance to determine your level of coverage before you can begin your recovery journey.

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.

Michigan Cigna Health Insurance Plans

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.

Does Cigna Cover Inpatient Rehab in Michigan?

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.

igan Outpatient Drug Rehab Cigna Coverage

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.

Does Cigna Cover Mental Health in Michigan?

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

Additional Types of Addiction Programs in Michigan Covered by Cigna

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.

Cigna in Network Rehab Facilities

AAC has well-established rehab facilities nationwide. You can contact an Admissions Navigator at any of these facilities to verify your Cigna substance abuse coverage. Here is a list of our facilities:

If an AAC facility is not in-network with Cigna, you can use Cigna’s online directory and filter by “insurance” to find the ones that are. You can also search for “rehabs near me” that can provide the treatment you need. Check out the directory to find a list of facilities and programs.

Other Insurances That Cover Addiction Rehab

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

Other Options to Pay for Addiction Treatment in Michigan

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.
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