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Using Tennessee Cigna Health Insurance for Addiction Treatment

Finding a rehab in Tennessee that accepts Cigna is important if you are struggling with a substance use disorder. With Cigna health insurance, you have access to the essential health benefits of marketplace plans, including mental health and substance use disorders.
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Using your insurance to pay for addiction treatment is a great way to lower out-of-pocket costs. Cigna covers the costs of mental health and addiction services to some extent.

If you live in Tennessee and are struggling with an addiction issue, you can access rehabs that take Cigna for treatment. Learn about Cigna coverage options for addiction services in Tennessee. If you would like more information about addiction treatment options available in Tennessee, contact American Addiction Center’s helpful admissions navigators at for a free, private consultation today.


Tennessee and Substance Use

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

If you need guidance on Cigna coverage and finding treatment programs, call our American Addiction Centers (AAC) helpline, and one of our admissions navigators can help you navigate the process.

What Is Cigna Health Insurance?

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 Health Insurance Plans

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.

Does Cigna Cover Inpatient Alcohol and Drug Rehab in Tennessee?

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.

Tennessee Outpatient Drug Rehab Cigna Coverage

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.

Does Cigna Cover Mental Health in Tennessee?

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:

Additional Types of Addiction Programs in Tennessee Covered by Cigna

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

Cigna in Network Drug and Alcohol Rehab Facilities

Many American Addiction Centers (AAC) rehabs are Cigna in-network rehab facilities. Our treatment centers nationwide provide exceptional evidence-based programs, offering a supportive space for recovery. The following AAC facilities may accept Cigna Healthcare:

  • AdCare Rhode Island. AdCare Rhode Island offers outstanding treatment options, like day programs, co-occurring disorder treatment, medical detox, and telehealth.
  • Desert Hope Treatment Center. Located in Las Vegas, Nevada, Desert Hope Treatment Center provides various individualized treatment services, including inpatient and outpatient programs, sober living, and specialized treatment options.
  • Greenhouse Treatment Center. This luxury treatment center in Grand Prairie, Texas, has many treatment options and specialized programs in a spa-like environment. They offer services for the LGBTQ community, Christians, recovering licensed mental health professionals, and Veterans.
  • Laguna Treatment Center. Laguna Treatment Center offers an upscale treatment experience in Laguna Beach, California. It has high-quality addiction treatment plans offering services like inpatient residential treatment, addiction-focused healthcare, medical detox, and addiction aftercare.
  • Oxford Treatment Center. This Etta, Mississippi facility provides a unique blend of evidence-based treatment options with alternative therapeutic services, like music therapy, art, equine therapy, and yoga.
  • River Oaks Treatment Center. Located in Riverview, Florida, this facility offers exceptional addiction treatment options and aftercare.
  • Recovery First Treatment Center. Recovery First Treatment Center offers a continuum of care in Hollywood, FL, providing access to different programs, like inpatient rehab, intensive outpatient rehab, co-occurring disorder treatment, medical detox, and telehealth addiction treatment.

It’s possible AAC may not be a network with your Cigna insurance. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs.

Other Insurances That Cover Addiction Rehab

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:

Other Options to Pay for Addiction Treatment in Tennessee

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

Embarking on the road to recovery is a huge step. Contact AAC to learn more about Cigna rehab coverage and other ways to pay for treatment.


  1. Cigna. (n.d.). Company profile.
  2. Tennessee Department of Tourist Development. (n.d.). Welcome to Tennessee.
  3. (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. (n.d.). Affordable Care Act (ACA).
  9. Department of Mental Health and Substance Abuse Services. (n.d.). Adult substance abuse treatment.
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