Background Image
In-Network with AAC

Using Virginia Cigna Health Insurance for Addiction Treatment

Cigna health insurance offers coverage for a range of healthcare services, including mental health and substance abuse treatment. If you or a loved one are struggling with drug or alcohol addiction and seeking treatment in Virginia, Cigna insurance may be able to help cover some or all of the costs of rehab.
Step 1/4 Check Coverage
* These fields are required
If you or a loved one are experiencing a medical emergency, call 9-1-1 immediately.

Using Virginia Cigna Health Insurance for Addiction Treatment

Cigna is an international health insurance company that provides health plans to millions of people.1 There are various types of Cigna Healthcare medical benefit plans that are offered across different markets, including in Virginia. While the coverages provided by these plans vary, almost all are mandated by the Affordable Care Act to provide some level of coverage for addiction treatment.2 To find out what is covered under your Cigna Health Insurance plan, we’re here to help. Call an American Addiction Centers (AAC) admissions navigator at to verify your benefits and coverage and get assistance throughout the treatment process.

What Is Cigna Health Insurance?

Cigna health insurance is a large international health insurance company that serves people across 30 countries.3 Collectively, more than 190 million members are covered by a Cigna health insurance plan.3 Cigna Healthcare provides medical and dental insurance plans, Medicare and employer-sponsored health plans, and other supplemental insurance plans.4 You can call the phone number on the back of your Cigna insurance card to learn more about your plan type and benefits.

Virginia Cigna Health Insurance Plans

There are four main types of health plans offered by Cigna through the Marketplace: bronze, silver, gold, and platinum.5 Depending on where you live and your situation, you may also be able to consider a catastrophic plan. The main difference between the health plan categories relate to how you and the health plan split medical costs.5,6

  • Bronze plans offer the lowest monthly premiums, but you will have to pay the most out-of-pocket for healthcare costs as these plans have the highest annual deductibles. Cigna pays for 60% of costs, on average, while you pay 40%.
  • Silver plans offer moderate monthly premiums and out-of-pocket healthcare costs. Cigna pays for 70% of costs, on average, while you pay 30%.
  • Gold plans offer high monthly premiums, but lower out-of-pocket healthcare costs. Annual deductibles are typically low, and the plan pays for 80% of costs.
  • Platinum plans are the most expensive in terms of monthly premiums but offer the highest level of coverage for healthcare costs as plans pay 90% of costs.

Does Cigna Cover Inpatient Rehab in Virginia?

Almost all U.S. health plans are required to cover mental health benefits in some capacity as they are considered an essential health benefit.5 This means that Cigna plans are mandated to cover inpatient rehab costs to some extent in Virginia. Your Cigna plan may cover some or all of the costs associated with inpatient rehab services. It is recommended that you call the phone number on the back of your card to find out more about your benefits and coverage.

Virginia Outpatient Drug Rehab Cigna Coverage

In addition to covering inpatient rehab, your Cigna plan is mandated by the ACA to cover outpatient drug rehab in some capacity.5 Coverage will vary based on your plan, as out-of-pocket costs and network requirements may apply. Your healthcare provider will determine whether outpatient drug rehab is right for you, but you can call the number on the back of your insurance card to find out what is covered under your plan.

Does Cigna Cover Mental Health in Virginia?

Mental health and substance use disorder services are required to be covered in some capacity by your Cigna plan in Virginia. Various types of treatment may be covered, including the following types of behavioral therapy that are commonly used in addiction treatment:

  • 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.

Additional Types of Addiction Programs in Virginia Covered by Cigna

Depending on your situation, your provider may recommend additional types of addiction programs in Virginia, which may be covered in some capacity by your Cigna plan. Here are 4 common types of addiction programs and services:

  • Couples’ addiction treatment. Relationships can be strained if one or both partners struggle with addiction. Couples’ addiction treatment can help both parties understand how addiction affects the relationship and learn coping strategies.7
  • Veterans rehab programs. Veterans with substance use disorder may want to utilize specialized programs to address their addiction and any other underlying mental illness properly.8
  • Medical detox. Depending on your situation, your provider may require you to rid your body of substances prior to receiving counseling or further treatment, which is a process known as medical detox.9
  • Aftercare. Many people benefit from continuing care after rehab is completed, which is a type of treatment known as aftercare.10 This may involve outpatient care, behavioral therapy, support groups, or sober living housing.

Cigna In-Network Rehab Facilities

American Addiction Centers is an industry leader in addiction care. AAC operates a number of rehab facilities, and these facilities may be in-network with your Cigna health plan. Call our admissions navigators today to find out whether any of the following facilities are covered:

Other Insurance Companies that Cover Addiction Rehab

AAC is proud to work with a variety of companies, including Cigna. Other major insurance companies that we work with include:

Other Options to Pay for Addiction Treatment in Virginia

Alternate payment options exist for Virginia addiction treatment. Even if you use your Cigna plan, there may be additional fees that are not covered by insurance. You can ask the rehab facility if financing or scholarship opportunities are available to help offset these costs.

Additionally, if you’re paying out of pocket for addiction treatment, ask about cash discount prices. You could also potentially qualify for free rehab options or a state-funded rehab near you. Contact an admissions navigator today to verify your insurance coverage or to learn more about your options. Call .


  1. Cigna Healthcare. (n.d.). Cigna milestones.
  2. (n.d.). Mental health & substance abuse coverage.
  3. Cigna Healthcare. (n.d.). The Cigna Group company profile.
  4. Cigna Healthcare. (n.d.). Home.
  5. Cigna Healthcare. (n.d.). Bronze, silver, gold, and platinum health plans.
  6. (n.d.). How to pick a health insurance plan.
  7. American Association for Marriage and Family Therapy. (n.d.). Substance abuse and intimate relationships.
  8. Teeters, J.B., Lancaster, C.L., Brown, D.G., & Back, S.E. (2017). Substance use disorders in military Veterans: prevalence and treatment challenges. Substance abuse and rehabilitation, 8, 69–77.
  9. Center for Substance Abuse Treatment. Detoxification and Substance Abuse Treatment. Treatment Improvement Protocol (TIP) Series, No. 45. HHS Publication No. (SMA) 15-4131. Rockville, MD: Center for Substance Abuse Treatment, 2006.
  10. Substance Abuse and Mental Health Services Administration. (2014). What is substance abuse treatment? (Originally published 2004).
Get the Care & Support You Need

Rediscover your joy during your stay at one of our American Addiction Center's facilities. We provide you the care you need to get clean and stay sober.

Call 888-744-0069

Guides for other health insurance providers