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Using Cigna for Rehab: All You Need to Know


Addiction doesn't wait.

Take your first steps towards addiction recovery with Serenity Grove.

Cigna is a leading health insurance provider offering addiction treatment and rehab services coverage. Understanding how to navigate the process of using Cigna for rehab can be overwhelming. Still, with the right knowledge and guidance, you can access the care you need to overcome substance abuse. In this guide, we will provide you with all the information you need to know about using Cigna for rehab.

Does Cigna Insurance Cover Drug and Alcohol Rehab?

Cigna insurance typically covers drug and alcohol rehab services at Serenity Grove as part of their behavioral health benefits. These services may include detoxification, inpatient or outpatient treatment programs, therapy sessions, medication-assisted treatment (MAT), and aftercare support. 

However, coverage varies depending on the specific plan you have with Cigna and the type of treatment needed. It is important to contact your insurance provider or review your policy details to understand the specific coverage for drug and alcohol rehab services under your plan. You may also fill out the contact form below and a member of our admissions team will give you a call to go over your coverage.

Verify Your Cigna Plan Now

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Types of Cigna Insurance Plans

Cigna offers several different insurance plans, including:

  • HMO (Health Maintenance Organization): HMOs require individuals to choose a primary care physician and obtain referrals from them for specialist care. Out-of-network services are generally not covered except in emergencies.
  • PPO (Preferred Provider Organization): PPOs are more flexible in choosing healthcare providers and do not always require referrals for specialist care. Using in-network providers may result in lower out-of-pocket costs. However, members can also seek treatment from out-of-network providers at a higher cost.
  • POS (Point of Service): POS plans incorporate both PPO and HMO elements, allowing members to choose between receiving care within a network or seeking services outside the network with varying levels of coverage.
  • EPO (Exclusive Provider Organization): EPO plans only cover services provided by specified doctors, hospitals, and other healthcare professionals within the plan’s network. No benefits are typically available if patients receive services from out-of-network providers unless it is an emergency.

As you can see, each type of Cigna plan has different features, which affect the cost and level of coverage for drug and alcohol rehab services.

Will I Owe Any Money After Using Cigna Insurance?

Most likely, you will owe money after Using Cigna for rehab. The precise amount you will owe varies on your specific insurance plan, the level of coverage provided for rehab services, and any out-of-pocket expenses, such as:

  • Deductibles
  • Copayments
  • Coinsurance
  • Coverage limits
  • In-network or out-of-network provider
  • Covered services and treatments

Types of Rehab Programs Cigna Covers

Cigna insurance usually covers different types of rehab programs for substance use disorder treatment, including:

    • Detox: Medically supervised detox programs that help individuals safely withdraw from drugs or alcohol.
    • Residential/Inpatient Rehab: Intensive, live-in rehabilitation programs that provide 24-hour care and support for individuals struggling with severe addiction.
    • Partial Hospitalization Program (PHP): Day treatment programs that offer structured therapy and support while allowing patients to return home in the evenings.
    • Intensive Outpatient Program (IOP): Structured outpatient programs that provide a higher level of care than traditional outpatient services, often involving several hours of therapy each week.
    • Outpatient Rehab (OP): Individual or group therapy sessions at various intervals weekly based on individual needs and recovery progress.
    • Aftercare Services: Continued support and maintenance programming to help individuals transition back into daily life post-rehabilitation.
    • Dual-Diagnosis Treatment: Programs that address both substance abuse issues and co-occurring mental health disorders simultaneously.

How to Find a Rehab that Takes Cigna Insurance

To find a rehab facility that accepts Cigna insurance, you can follow these steps:

  • Contact Cigna by calling the customer service number on your insurance card to inquire about in-network rehab facilities near you.
  • Check out Cigna’s online provider directory, or use their mobile app to search for rehab centers that accept your insurance.
  • Consult with your primary care physician for a referral to a rehab center that takes Cigna insurance. 
  • The fastest way to find out if you have Cinga for rehab coverage is to call the rehab facility you are considering. They can verify if they are in-network and whether you need a referral for treatment. 

Please remember that if Cigna requires preauthorization for rehabilitation services, you must obtain this approval before beginning treatment at the selected facility.

Start Rehab Using Cigna in Athens, GA Today 

When you are ready to start rehab to regain control over your life and overcome addiction, help is available at Serenity Grove in Athens, GA. We are in-network with Ciga. Our admissions staff is ready to assist you in determining your rehab and addiction treatment coverage to maximize your benefits. Contact us today to take the first steps to a brighter, substance-free future.