For those seeking drug or alcohol addiction treatment, Cigna provides its policyholders with at least some level of benefits. Because Addiction Treatment Services is not a treatment center, we are able to provide you with an independent review of your benefits to help you or your loved one find the best course of action for treating addiction.
Most people are unaware of what level of coverage they have for substance abuse and mental health treatment, and even more people panic at the thought of using an out-of-network rehab center, because of the potentially astronomical costs.
Addiction Treatment Services steps in and provides you with a professional review of your benefits to help you determine which drug and alcohol rehabilitation facilities accept your Cigna health insurance. We can also pinpoint if you’re covered for inpatient treatment and for how long.
Understanding Your Cigna Benefits for Drug and Alcohol Treatment
Understanding the difference between your substance abuse and mental health benefits from your general health benefits is important, because many people assume they are the same.
Drug and alcohol rehab programs accept insurance policies based on history of their ability to approve claims, rather than deny them. Not even Cigna itself can guarantee whether your claim will be approved or denied, even when you’ve chosen a rehab center that appears to be in network.
With Addiction Treatment Services, an independent review of your Cigna coverage will determine:
- Which alcohol and drug rehabs you are eligible for
- How long you can attend the program (30, 60, 90 days, etc.)
- Which level of care will be covered
- Where the treatment center is located
By allowing us to provide you with an independent review of your Cigna coverage, we are able set you up with a drug or alcohol rehab that will accept your benefits. We can also identify the amount you can expect to pay out of pocket, if any.
Most people we help were unaware of the potential their Cigna coverage had for alcohol and drug rehab because of what they were told by Cigna directly or what they read in black and white about their benefits. Too often, we see people check into treatment because they were told Cigna covers the program, only to see the individual become responsible for claims that were not approved by the insurer. With Addiction Treatment Services, you’ll know all of your options up front.
Choosing an in-network rehab center instead of an out-of-network provider can usually mean the difference of going to treatment for just 30 days or being able to go for several months. Addiction Treatment Services is able to provide valuable information about your Cigna insurance overage based on years of experience having verified thousands of policies and having placed thousands of people into a formal addiction treatment program.
Other Benefits of Cigna Health Insurance
It’s important to know all of the benefits of your Cigna health policy, especially when it comes to your overall health and your life beyond rehab. Cigna’s plans are flexible and very accommodating to your budget. Did you know that you’re likely covered 100 percent for in-network preventative care, such as annual checkups, screenings and routine immunizations?
Also, Cigna has personalized website tools and even a mobile app, all of which can help you locate in-network providers, check on your claims, manage account balances and more. Cigna representatives are standing by 24/7 if you have any questions about in-network providers and claims. This is especially helpful if you have an emergency and need to find the closest provider that’s covered by your policy.
Cigna has a presence in about 20 U.S. states as well as 30 other countries. The company claims to foster the strongest return-to-work results, which is especially important for recovering addicts who want to have their job waiting for them while they complete an inpatient treatment program.
Your Insurance Claim for Addiction Treatment Poses No Risk to You
Thanks to our relationships with several alcohol and drug rehabs over the last 10-plus years, Addiction Treatment Services is able to provide you with accurate, detailed Cigna insurance information so that you know your out-of-pocket expenses and length of stay going in. The treatment centers take the risk of whether your claims are approved or denied, not you.