Using New Jersey Cigna Health Insurance for Addiction Treatment

With a population of just over 9 million, New Jersey has its problems concerning substance misuse. ¹ In 2022, 84,037 people sought addiction treatment at a substance misuse facility.² People in the state checked into rehab for a variety of substances. The following is a breakdown of how many people went into treatment for the different substances: ²

• There were 31,328 people who went to treatment for alcohol misuse.
• 36,884 people sought help for opiate misuse (including heroin).
• 4,882 New Jersey residents went to a treatment rehab for cocaine.
• 5,260 people sought treatment for marijuana misuse.
• 2,066 people went to rehab for amphetamine misuse.

Cigna health insurance is a global health company called The Cigna Group. They offer solutions to improve health outcomes.³ They have over 190 million customer relationships that span to over 30 countries and jurisdictions.⁴ If you’re wondering, does Cigna cover substance abuse, the answer is yes.⁵ The amount of coverage depends on the plan type specifics.

Cigna provides the following health insurance plans:⁶

• Bronze health plan: This tier level has the lowest premium costs, but you have to pay 40% of services.
• Silver health plan: With this plan level, Cigna pays for 70% of services, and you pay 30%.
• Gold health plan: This tier level has a higher premium cost, but the insurance pays for 80% of treatment services.
• Platinum health plan: This is the highest tier level, with 90% services covered.

Yes, Cigna covers various treatment levels, including inpatient rehab. At least some part of your inpatient care is covered. The amount depends on the plan level, deductibles, and co-pays. You can verify your insurance on this page to check the coverage.

Yes. You can obtain outpatient drug rehab Cigna because all types of treatment are covered by insurance, at least to some extent. You’ll need to contact the facility to verify your insurance to be sure the rehab is in-network.

A Cigna drug rehab offers various types of therapy to help in the treatment process. Some of these are as follows:

• 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

In addition to the standard addiction programs that you would find at a Cigna substance abuse center, there are specialized programs, such as:

• Couples’ treatment: This treatment is ideal for couples whose relationship has suffered due to addiction.
• Rehab for veterans: Veterans can find customized programs for their unique needs.
• Aftercare: After initial care is over, find additional support with therapy and groups.

There are other insurance companies that will also cover at least some of the cost of addiction treatment. These are as follows:

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

If you are concerned about how to pay for rehab, there are plenty of options available. You may be able to find a state-funded rehab or even a free rehab near you.

You can pay using your Cigna insurance when seeking an addiction treatment plan. However, be aware of other costs associated with rehab. These may include co-pays and deductibles.

1. United States Census Bureau. (n.d.). Quick facts New Jersey.
2. Substance Abuse and Mental Health Services Administration. (2023). Quick statistics New Jersey.
3. The Cigna Group. (n.d.). About us.
4. The Cigna Group. (n.d.). Company profile.
5. The Cigna Group. (n.d.). Treatment for substance use disorders.