Using Rhode Island Cigna Health Insurance for Addiction Treatment

Cigna Healthcare is a global insurance company with coverage spanning over 200 countries.² With affordable, flexible health plans, Cigna’s dedicated network of 1.65 million healthcare providers and hospitals offers comprehensive healthcare that puts you first.² Cigna has health, dental, and supplemental insurance plans for individuals, families, and employers, as well as Medicare and Medicaid plans.²

Cigna serves Rhode Island residents statewide with its tiered metal plans.³ Each differs in price, coverage level, co-pay amount, and deductible.³ Within each tier, you’ll have Cigna in-network rehab facilities with providers contracted to offer healthcare services.³

The bronze plan is Cigna’s most affordable policy, covering 60% of healthcare costs. Cigna covers 70% with the silver plan and 80% with the gold plan. The platinum plan is the most expensive but covers 90% of healthcare costs.³

Cigna covers inpatient rehab in Rhode Island at varying levels. The Affordable Care Act (ACA) requires that all insurance companies cover essential benefits, including substance use and mental health treatment.⁴ However, your level of coverage depends on your specific plan.

Inpatient rehabs that take Cigna provide a safe space to live in recovery, with 24/7 care.⁵ Inpatient programs offer various evidence-based treatments, such as individual counseling, group therapy, and psychoeducation.⁵ People with severe addictions who need to separate from their everyday environment may benefit most from inpatient care.⁵

Cigna also covers a portion of outpatient drug rehab in Rhode Island. With outpatient rehab, you can receive treatment similar to inpatient rehab while living at home.⁵ Many outpatient programs vary in intensity, with some providing highly-structured care and others having fewer contact hours.⁵ The services you need and the facility you choose can affect the price of addiction services.

You could receive coverage for some or all of the cost of outpatient rehab in, but your Cigna substance abuse coverage depends on your specific insurance plan.

Cigna covers at least a portion of mental health treatment in Rhode Island. Addiction specialists use various behavioral therapies to treat SUD and co-occurring conditions.⁵ When someone has an addiction and a mental health illness–like anxiety, bipolar disorder, or depression–this is known as a co-occurring disorder.⁵ Professionals often treat both conditions at once using a combination of the following therapies:

• Cognitive behavioral therapy (CBT).
• Contingency management (CM).
• Rational emotive behavior therapy (REBT).
• Dialectical behavior therapy (DBT).
• Motivational interviewing (MI).
• Eye movement desensitization and reprocessing (EMDR).
• Family therapy.
• Matrix model.

Many Cigna facilities cover additional types of addiction programs in Rhode Island. Treatment is most effective when it meets your specific needs.⁵ Some Cigna in-network rehab facilities have specialized programs targeted toward unique populations, like the LGBTQ+ community and women. Others have programs focused on repairing relationships. Other specialized addiction programs and services that Cigna may cover include:

• Medical detox. To safely withdraw from substances, you may need to attend detox. Professionals provide medications to ease withdrawal symptoms and stop cravings before you transition to another level of care.⁵
• Couples’ rehab. Couples’ rehab provides a space for recovery for partners who want to fight addiction together. You can support each other’s journeys and repair your relationship by building relapse-prevention skills together.
• Rehab for veterans. Some rehabs offer specialized programs for veterans that tend to their unique recovery needs through tailored evidence-based approaches.
• Addiction aftercare. Addiction specialists recommend ongoing care, like 12-Step programs, individual counseling, or sober living homes after completing treatment.⁵

American Addiction Centers has facilities nationwide that may accept Cigna health insurance. Each facility provides support and encouragement from accredited professionals, with evidence-based programs to meet your unique needs. AAC rehabs that might accept Cigna rehab coverage include:

• AdCare Hospital.
• Desert Hope Treatment Center.
• Greenhouse Treatment Center.
• Oxford Treatment Center.
• Recovery First Treatment Center.
• Laguna Treatment Center.
• River Oaks Treatment Center.

Several other major health insurance companies could cover a portion of rehab costs. You may receive at least some coverage for addiction services from the following insurance companies:

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

When paying for treatment with insurance, many plans won’t cover rehab costs in full, and you’ll have additional fees. You can still get the help you need by paying out of pocket with cash, credit, loans, or grants.

If you don’t have health insurance, you can self-pay or search for state-funded programs and free rehabs. Many states offer low-cost and free programs to help you find addiction care despite your income.

Starting the journey to recovery opens the doors for support, encouragement, and a healthier life. Contact AAC at to learn more about your Cigna Healthcare plan and find a suitable rehab near you. To verify your health insurance coverage, click here or complete the form below.

1. Cigna. (n.d.). Company profile.
2. Cigna Global. (n.d.). Truly global health solutions.
3. Cigna. (n.d.). Bronze, Silver, Gold, and Platinum Health Plans.
4. Healthcare.gov. (n.d.). Mental health & substance abuse coverage.
5. National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: A research-based guide (third edition).