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Using North Carolina Cigna Health Insurance for Addiction Treatment

If you are struggling with drug or alcohol addiction and seeking treatment in North Carolina, Cigna health insurance may be able to help cover some or all rehab costs. To learn more about your treatment options, call .
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Using North Carolina Cigna Health Insurance for Addiction Treatment

Cigna offers health insurance plans that help cover addiction treatment and rehab. Contacting a reputable substance misuse provider, like American Addiction Centers (AAC), is a helpful first step in finding rehabs that take Cigna health insurance. An admissions navigator can help guide you through the process of verifying insurance and beginning your recovery journey.

What Is Cigna Health Insurance?

Cigna Healthcare provides global health plans, has over 190 million customers, and has been evolving for 230 years.1,2 Due to the many people in North Carolina who struggle with substance misuse, Cigna rehab coverage is vital for well-being. In 2022, 36,683 people in North Carolina sought treatment for substance misuse.3 Cigna is devoted to assisting residents in their addiction recovery efforts.

North Carolina Cigna Health Insurance Plans

Cigna Health offers a wide range of plans for individuals and families. These plans fall within their tiered levels, which include:4

  • Bronze health plan: The bronze tier will cover 60% of services and has a low monthly cost.
  • Silver health plan: With this plan, you will pay for 30% of care.
  • Gold health plan: A gold level is a higher cost per month but will cover 80% of treatment services.
  • Platinum health plan: With this plan, you will pay for 10% of care.

Does Cigna Cover Inpatient Drug Rehab in North Carolina?

Yes. Cigna can help pay some or all of the cost of inpatient rehab. You can check with an admissions navigator about the extent of inpatient Cigna substance abuse coverage. An inpatient program is a crucial part of recovery for those with more severe addiction issues or who elect an environment separate from their everyday routine.5 An addiction specialist and/or physician will work with you to determine what program(s) you need.

North Carolina Outpatient Drug Rehab Cigna Coverage

Cigna will cover at least part of the cost of outpatient drug rehab. Outpatient care may serve as a step-down level of care after an inpatient treatment program, or patients may enter directly into an outpatient program. This decision is made by a patient’s physician and/or addiction specialist based on various factors, such as living situation, level of addiction, and relapse history.

Outpatient programs are convenient for some patients since the ability to work, go to school, and/or attend to other responsibilities may be less interrupted. However, some patients may require the 24/7 care and medical attention that inpatient treatment provides. An outpatient program consists of regularly scheduled meetings with therapists.5

Does Cigna Cover Mental Health in North Carolina?

Yes. You can receive treatment for a mental health disorder when you are participating in a Cigna drug rehab program. Since co-occurring disorders (mental health disorder and substance use disorder) are common with those in recovery, it’s helpful to find a facility that offers co-occurring disorder treatment.6

During your time in Cigna rehab, you’ll be involved in various therapies based on your therapist’s recommendations. Some of these therapies may include:

Additional Types of Addiction Programs in North Carolina Covered by Cigna

Some individuals may require specialized addiction programs that address their specific issues or are based on their demographics. Some of these programs include:

  • Medical detox: This is the first stage of the rehab process.5
  • Couples’ treatment: If you and/or your loved one is struggling with substance misuse, this treatment can aid in relationship repair.
  • Rehab for veterans: Veterans may benefit from a specialized program that addresses their unique needs.
  • Aftercare: You can continue with recovery by receiving support and therapy.

An admissions navigator can let you know which Cigna in-network rehab facilities offer these programs.

Cigna In-Network Drug and Alcohol Rehab Facilities

Cigna is in-network with many American Addiction Centers (AAC) facilities. The AAC facilities are as follows:

Other Insurance Companies that Cover Addiction Rehab

If you have insurance other than Cigna, or have more than one insurance policy, you can still access a treatment program. Some of the other insurance companies that cover addiction rehab include:

Other Options to Pay for Addiction Treatment in North Carolina

There is no need to worry about how to pay for rehab since various options are available. It’s vital to move ahead with a treatment plan, working with an admissions navigator who can help with financial payment options.

It is important to note that if you plan to pay for addiction treatment using health insurance, there may be other costs you might have to pay for, such as co-pays and deductibles.

For those who don’t have health insurance, you can also check for a state-funded rehab or a free rehab near you. To learn about your treatment options, verify your insurance coverage now, or call .


  1. The Cigna Group. (n.d.). Global.
  2. The Cigna Group. (n.d.). Company profile.
  3. Substance Abuse and Mental Health Services Administration. (2023). Quick statistics North Carolina.
  4. Cigna Healthcare. (2023). Bronze, Silver, Gold, and Platinum health plans.
  5. National Institute of Drug Abuse. (2019). Treatment approaches for drug addiction.
  6. National Institute of Mental Health. (n.d.). Substance use and co-occurring mental disorders.
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