Using Tennessee Cigna Health Insurance for Addiction Treatment

Home of Elvis Presley and Dolly Parton, Tennessee is known for its bustling music scene and incredible outdoor adventures.² With a population of about 7 million, many reside in major cities like Nashville, Memphis, and Knoxville.³ But just like many states nationwide, substance use greatly affects Tennessee.

From 2017 to 2019, 6.5% (or 367,000) of people aged 12 or older reported substance use disorder. ^{4 p. 26} A March 2019 single-day count of Tennessee residents in treatment revealed 61.8% received treatment for drug use, 10.2% received treatment for alcohol use, and 28.% received care for both drug and alcohol use.⁴

Cigna Healthcare is a global health services company offering access to a network of 1.65 million healthcare professionals and hospitals.⁵ With comprehensive plans for individuals, families, employers, Medicaid, and Medicare, Cigna’s coverage provides affordable, flexible health, dental, and supplemental insurance.⁵

Cigna Healthcare offers various high-quality healthcare plans covering multiple services, including addiction treatment.¹ You’ll have plenty of options for addiction services, like medical detox and outpatient programs, through rehabs that take Cigna.

Tennessee Cigna separates health plans into multiple tiers, or “metal plans”. Each provides a different level of coverage with variations in co-pays and deductibles.⁶ You’ll have a network of providers covered under your plan within each tier. Here are the different metal plans available through Cigna:

• Bronze health plan. With the Bronze plan, Cigna covers 60% of healthcare costs, and you cover 40%. This program is the most affordable.
• Silver health plan. The Silver plan is more expensive than the Bronze plan and covers 70% of healthcare costs through Cigna.
• Gold health plan. With the Gold plan, you receive 80% coverage for healthcare costs through Cigna.
• Platinum health plan. The Platinum plan is the most expensive but covers 90% of your healthcare costs.

Cigna covers inpatient rehab in Tennessee to some extent. Multiple types of care are available to meet your specific needs in treatment.⁷ Since addiction treatment differs for everyone, the types of services you need will vary depending on your specific situation. Many facilities accept Cigna for inpatient rehab, where you receive 24/7 attentive care while living in treatment.⁷

Still, your specific plan determines your level of coverage. So, your plan could cover some services but not others. Use our insurance page to verify your benefits and learn more about the coverage you can receive through Cigna for inpatient rehab.

Cigna also covers Tennessee outpatient drug rehab to some level. Outpatient rehab provides similar services to inpatient treatment, but you can live at home.⁷ Outpatient programs can vary in intensity, from highly structured care to less rigid programs.⁷ Again, your level of coverage depends on your specific insurance plan. It’s best to verify your benefits on our insurance page to find out about your Cigna coverage for outpatient treatment.

Addiction specialists use multiple types of therapeutic approaches in treatment. Many focus on helping you build relapse skills and learning how to cope with trauma. Behavioral therapies are helpful mental health treatments for addictions and co-occurring disorders.⁷

A co-occurring disorder happens when someone has an addiction and a mental illness like anxiety or post-traumatic stress disorder (PTSD).⁷ Mental health professionals recommend treating both illnesses at once to promote the best outcomes.⁷ Here are some common types of therapy used in addiction and co-occurring disorder treatment:

• 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

Many facilities covered by Cigna offer additional types of addiction programs. Specialized programs focus on meeting your unique needs, with many options, like LGBTQ+ rehab and programs for mental health professionals. Here are some of the other addiction programs Cigna may cover:

• Couples rehab. Couple’s rehab provides a space for recovery for partners who want to fight addiction together. You can repair your relationship and build relapse-prevention skills to support each other’s journeys.
• 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 treatment.⁷

Most major insurance companies cover at least a portion of the cost of addiction treatment.⁸ You could receive coverage for rehab and other addiction services through the following:

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

You might still have additional fees even when paying for treatment with insurance. Thankfully, there are other ways to cover costs or pay for rehab if you don’t have insurance. You can still access the support you need by paying out of pocket. Many use cash, credit, loans, or grants to fund treatment.

Many states offer state-funded programs or free rehab. These programs have quality, affordable care at reduced prices based on your income. For example, the Tennessee Department of Mental Health and Substance Abuse Services has a resource where you can locate free treatment in your area depending on your eligibility.⁹

1. Cigna. (n.d.). Company profile.
2. Tennessee Department of Tourist Development. (n.d.). Welcome to Tennessee.
3. Census.gov. (2022). QuickFacts: Tennessee.
4. Substance Abuse and Mental Health Services Administration. (2020). Behavioral Health Barometer: Tennessee, Volume 6: Indicators as measured through the 2019 National Survey on Drug Use and Health and the National Survey of Substance Abuse Treatment Services. HHS Publication No. SMA–20–Baro–19–TN. Rockville, MD: Substance Abuse and Mental Health Services Administration.
5. Cigna Global. (n.d.). Truly global health solutions.
6. Cigna. (n.d.). Bronze, Silver, Gold, and Platinum Health Plans.
7. National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: A research-based guide (third edition).
8. Healthcare.gov. (n.d.). Affordable Care Act (ACA).
9. Department of Mental Health and Substance Abuse Services. (n.d.). Adult substance abuse treatment.