Using Missouri Cigna Health Insurance for Addiction Treatment

In Missouri, Cigna offers a variety of plans through employers and in the health insurance Marketplace.³ Cigna’s health insurance plans include bronze, silver, and gold tiers, each offering varying levels of coverage and cost-sharing. Bronze plans typically have lower premiums but higher out-of-pocket costs, while gold plans have higher premiums but lower out-of-pocket expenses. Silver plans strike a balance between the two.³

Yes, Cigna health insurance generally covers inpatient rehab for substance use disorder (SUD), although coverage can vary depending on your specific plan. The Affordable Care Act (ACA) requires insurance providers like Cigna to offer essential health benefits, including mental health and SUD services.⁴

Under the ACA, insurers cannot deny coverage based on pre-existing conditions like substance misuse, ensuring access to rehab services. However, the extent of coverage and associated costs may differ based on several factors (e.g., your specific plan), so it’s important to review your policy details.

During inpatient rehab, you live full-time at the facility and can focus on creating new habits without the distractions of daily life.⁵

Yes, if you’re looking for outpatient drug rehab, Cigna health insurance generally covers outpatient rehab for substance use disorder (SUD) in Missouri. Outpatient treatment allows you to live at home while you attend treatment for a few hours a week.⁵ Some programs are more structured, such as intensive outpatient programs (IOP) and partial hospitalization programs (PHP), and require multiple hours of treatment per day.⁵

If your doctor recommends outpatient treatment, your Cigna health insurance plan should cover at least some of the cost because the Affordable Care Act (ACA) mandates it. However, you’ll want to make sure you understand your specific insurance plan.

Many people who struggle with a substance use disorder (SUD) also have a mental health disorder (e.g., anxiety, depression), known as a co-occurring disorder. Treatment for co-occurring disorders typically involves integrated care that addresses both conditions simultaneously. It may include behavioral therapies, medication, and participation in support groups. Studies show that an integrated approach to treatment can help improve recovery outcomes.⁶

Will your Cigna health insurance help pay for mental health treatment as well? In short, yes, because mental health treatment is one of the 10 essential health benefits mandated by the Affordable Care Act (ACA).⁴ As mentioned, it’s important to review your policy details.

Mental health treatment includes a variety of behavioral therapies, including:⁷

• Cognitive-behavioral therapy (CBT): CBT is a psychotherapy approach that focuses on identifying and modifying negative behaviors and thought patterns to promote positive changes and emotional and mental well-being.
• Eye movement desensitization and reprocessing (EMDR): EMDR is a psychotherapy technique that helps individuals process traumatic memories and reduce associated distress through guided eye movements or other bilateral stimulation.
• Dialectical behavior therapy (DBT): DBT is a type of cognitive-behavioral therapy that emphasizes emotional regulation, interpersonal effectiveness, and mindfulness to help individuals develop healthier coping strategies.
• Family therapy: This form of psychotherapy involves treating the entire family unit, aiming to enhance relationships, improve communication, and resolve conflicts to foster a healthier and more supportive family dynamic.

At American Addiction Centers (AAC), we’re proud to operate a variety of high-quality inpatient and outpatient treatment programs across the United States. Many of our rehabs accept Cigna insurance, which can help you cover treatment-associated costs.

Some of our industry-leading facilities include:

• Laguna Treatment Center, Orange County, CA
• Oxford Treatment Center, Etta, MS
• Recovery First Treatment Center, Hollywood, FL
• Desert Hope Treatment Center, Las Vegas, NV
• AdCare Rhode Island, Greenville, RI
• Greenhouse Treatment Center, Dallas, TX

Need help finding a Cigna drug rehab or a Cigna alcohol rehab center? Call our helpline for assistance 24/7 at .

Using your Cigna insurance for addiction treatment in Missouri or out of state is easy. Many individuals start by visiting their doctor and receiving an assessment. Once you know the types of treatment that may benefit you, you can verify your insurance in a few different ways, including:

1. Call the number on the back of your insurance card and speak with a Cigna representative.
2. Contact the specific rehab you’re interested in and inquire about the Cigna rehab provider network.
3. Speak with an American Addiction Centers (AAC) admissions navigator by calling . They can hear your story, answer treatment-related questions, and help you check your insurance coverage. Calling our helpline is confidential and free, and there is no obligation to enter treatment.

Paying for treatment with insurance can help you cover the cost, but sometimes it’s not enough. If your insurance doesn’t cover the full cost of addiction treatment, or if you are paying without insurance, there are several options to explore:

• Out-of-pocket payment: You can pay for treatment directly using credit cards, funds from friends and family, or personal savings. While this may be challenging for some, it offers the advantage of immediate access to treatment without relying on insurance approvals.
• Payment plans or sliding scales: Many addiction treatment centers offer payment plans that allow individuals to pay for treatment over time. Some centers also offer sliding scales based on income.
• State-funded or non-profit organizations: There are state-funded or non-profit addiction treatment centers that provide low-cost or free rehab to individuals who cannot afford private treatment.
• Scholarships or grants: Some addiction treatment centers offer scholarships or grants to individuals who meet specific criteria, helping to offset or cover the cost of treatment.
• Employee Assistance Programs (EAPs): If you’re employed, you can check if your workplace offers an EAP that provides resources for addiction treatment.
• Government assistance programs: Depending on the country or region, there might be government programs that provide financial assistance or subsidies for addiction treatment.

You deserve a happy, healthy life free of substance use. We want to help you get there. To take the first steps, contact us today.

1. Cigna. (2023). Plans and services.
2. Cigna. (2023). Home page.
3. Cigna. (2023). Missouri health plans.
4. HealthCare.gov. (n.d.). What Marketplace health insurance plans cover.
5. Cigna. (2023). Treatment for substance use disorders.
6. National Institute on Drug Abuse. (2020, April). What are the treatments for comorbid substance use disorder and mental health conditions?
7. National Institute on Drug Abuse. (2019, January). Treatment approaches for drug addiction.
8. Palumbo R, Protokowicz J, Roberto A. What you need to know: Eye Movement Desensitization and Reprocessing Therapy as a path to recovery for patients with Substance Use Disorder.