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Using New York Cigna Health Insurance for Addiction Treatment

If you’re a New York resident looking for substance use disorder (SUD) treatment and have Cigna health insurance, your plan may provide full or partial coverage for the cost of rehab. Learn more about Cigna coverage below or contact American Addiction Centers at to speak with an admissions navigator who can verify your insurance in just a few minutes.
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What Is Cigna Health Insurance?

Cigna health insurance is a company that provides a range of healthcare plans and services, offering medical, dental, vision, and prescription coverage to individuals, families, and employers in 16 states.1 They aim to improve members’ health and well-being by offering comprehensive health insurance solutions.2

New York Cigna Health Insurance Plans

Cigna’s health insurance plans consist of three tiers: bronze, silver, and gold. Each tier offers varying levels of coverage and cost-sharing.3

Bronze plans have lower premiums but higher out-of-pocket costs. They are ideal for individuals who anticipate minimal healthcare usage and want more affordable monthly premiums. Silver plans strike a balance between premiums and out-of-pocket costs and are well-suited for those seeking moderate coverage. Gold plans have higher premiums but lower out-of-pocket expenses. They are a good option for individuals who require frequent medical care and are willing to pay higher monthly premiums to reduce their overall healthcare costs.3

Within the tiers, each plan has different deductibles, limits, and requirements, so it’s important to understand the details of your policy so that you can make an informed decision about your health.

Does Cigna Cover Inpatient Drug Rehab in New York?

Yes, your Cigna insurance plan will likely cover some or all of the cost of inpatient rehab in New York or out of state, if doctor recommended by your doctor.

The Affordable Care Act (ACA) requires long-term health insurance plans like Cigna to cover 10 essential health benefits, which include substance use disorder (SUD) and mental health treatment.4

Inpatient rehab is an intensive, structured treatment program where individuals live at a specialized facility for a set period and receive around-the-clock care, monitoring, and support. It offers a safe and supportive environment to aid in recovery from drug or alcohol addiction.5

Does Cigna Cover Outpatient Drug Rehab in New York?

Yes, your Cigna insurance plan will likely cover some or all of the cost of outpatient rehab in New York or out of state.

Outpatient rehab is a treatment program where individuals attend counseling, therapy sessions, and support groups at a facility but return home afterward. It allows flexibility in maintaining daily routines while receiving treatment for drug or alcohol addiction.5

Does Cigna Cover Mental Health Treatment in New York?

Many individuals struggle with a mental health disorder (e.g., anxiety, depression) and a substance use disorder (SUD) at the same time, which is known as a co-occurring disorder. Co-occurring disorder treatment often involves integrated care to simultaneously address both conditions. Treatment can vary but may include medication, support groups, and therapy.6

The Affordable Care Act (ACA) includes mental health treatment in the 10 essential health benefits that long-term health plans are required to cover.4 This means you can rely on your Cigna substance abuse coverage to pay at least some of the cost of mental health care.

Mental health treatment includes multiple approaches, including:7

  • Cognitive-behavioral therapy (CBT): This psychotherapy approach focuses on identifying and modifying damaging behaviors and thoughts related to substance use.
  • Eye movement desensitization and reprocessing (EMDR): This is a psychotherapy technique that helps individuals process traumatic memories through guided eye movements.
  • Dialectical behavior therapy (DBT): This is a type of cognitive-behavioral therapy that teaches emotional regulation, interpersonal effectiveness, and mindfulness to help individuals create healthier coping strategies.
  • Family therapy: This form of psychotherapy involves the entire family in treatment. Treatment focuses on enhancing relationships, improving communication, and resolving conflicts to create a healthier and more supportive family dynamic.

Cigna In-Network Addiction Facilities

There are a variety of facilities across the country that may accept Cigna health insurance. At American Addiction Centers (AAC), we are proud to operate a network of high-quality treatment centers spread around the U.S. Several AAC treatment centers accept Cigna, which can help cover the costs associated with rehab.

Our treatment centers include:

How to Use Cigna for Rehab in New York

Using your Cigna insurance for addiction treatment in New York 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 most, you can verify your insurance in a few different ways, including:

  1. Calling the number on the back of your insurance card and speaking with a Cigna representative.
  2. Contacting the specific rehab you’re interested in and inquiring if they accept Cigna.
  3. Speaking 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.

Other Options to Pay for Addiction Treatment in New York

Paying for treatment with insurance can help limit your costs and make rehab more affordable. However, insurance isn’t always an option. If your insurance doesn’t cover the full cost of substance use disorder (SUD) treatment, or if you are paying without insurance, there are several options to explore:

  • Credit cards and savings: This 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 let you pay for treatment over time. Some centers also offer sliding scales based on what you can realistically afford.
  • Non-profit or government-funded organizations: Research local options which may provide low-cost or free rehab to individuals who cannot afford private treatment.
  • Grants or scholarships: Some addiction treatment centers offer grants or scholarships to individuals who meet certain criteria.
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