Cigna for Substance AbuseIf you need treatment for drug or alcohol use, the admissions process may be overwhelming. We understand the stress this puts on you. Not understanding or knowing what your insurance covers only adds to the frustration. This is why we handle everything for you and help you every step of the way.

Here is a little about Cigna and your options with Cigna for substance abuse.

What Types of Health Insurance Plans Does Cigna Offer?

Cigna offers a variety of health insurance plans, which include:

  • HMO (Health Maintenance Organizations)
  • EPO (Exclusive Provider Organizations)
  • POS (Point of Service Plans)
  • PPO (Preferred Provider Organizations)

While this offers the basics, here is more on each type of insurance and what it means.


HMO is a common term that stands for health maintenance organizations. This gives you a local network of participating doctors and hospitals, as well as other health care professionals and facilities. You must choose from this list, and you should have a primary care provider who coordinates your medical care. Think of the PCP as a home base.


An EPO offers a network of participating providers. You must use those providers to have coverage – unless there are extenuating circumstances like emergency surgery, for example. If you use a provider outside of this network, you are responsible for the costs.


POS coverage is a combination of PPO and HMO plans. While you still must choose a primary care provider, there is a difference: The provider network is smaller than a PPO plan, and the costs for in-network care are lower, like an HMO.


PPO coverage has a large network of participating providers. This means that you have a lot of choices when it comes to doctors, hospitals, and other health care professionals and facilities.

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Does Cigna Cover Drug and Alcohol Detox?

Cigna does mention coverage for drug and alcohol detox. As far as treatment for substance use problems, their site mentions inpatient and outpatient treatment.

According to Cigna:

Inpatient and outpatient treatment programs both usually involve the 12-step program used by Alcoholics Anonymous (AA) and Narcotics Anonymous (NA). Treatment may include group therapy, one-on-one counseling, drug and alcohol education, medical care, and family therapy.

While Cigna does not have specific information listed on their site, we can help. This saves you time speaking to a Cigna rep. We will make the calls for you and ensure that you have coverage so you can focus on your recovery. Yet, judging from the massive amount of information about drug and alcohol use, their coverage will reflect that.

What Are Some of the Benefits That Cigna Offers for Addiction Treatment?

Cigna mentions quite a few treatment options when it comes to drug and alcohol use. Here are a few treatments Cigna mentions:

  • Intensive Outpatient Treatment (IOP)
  • Standard Outpatient Treatment
  • Group Therapy
  • One-on-One Counseling
  • Medical Care
  • Family Therapy
  • Drug and Alcohol Education

This is a rudimentary list, so it is always helpful to ask your insurance provider. Here is a bit more information that may help. This gives more of an outlook at their policy coverage.

Cigna states that a doctor may suggest inpatient or outpatient treatment at a facility. Cigna mentions that your length of stay depends on the treatment facility and the program you are in.

After inpatient treatment, you should go to outpatient treatment for more counseling and group therapy. Inpatient treatment also may be residential, which means you stay at the facility for months.

Cigna is accepted at rehab centers and has coverage for many of the benefits of this type of treatment. This includes:

  • Supervised medical detox
  • Therapy like art, music, etc.
  • A structured environment
  • 24/7 care and support
  • An escape from stressors, temptations, and distractions

Will Cigna Pay for My Entire Stay for Detox and Recovery?

According to their plan, they mention a few specific types of treatment.

As noted by Cigna, the following treatments are mentioned as part of their coverage. Although, no specific details are transparent:

  • Inpatient recovery
  • Family therapy
  • Standard outpatient treatment
  • Intensive outpatient treatment
  • Group therapy
  • One-on-One counseling
  • Medical care
  • Drug and alcohol education

The best way to find out if Cigna will provide coverage for a specific length of stay is to find out beforehand. This can be done either with your policy details, talking to Cigna directly, or as stated – allowing us to do it for you.

Your treatment is unique to you, and there is no set length of stay. This is why a liaison between the insurance company and yourself is a good idea. And, it is a lot less frustrating.

How Do I Find Out If My Cigna Insurance Policy Includes Coverage for Drug Rehab and Drug and Alcohol Detox?

You can try to do the research yourself or call Cigna. Yet, the easiest way to find if your Cigna insurance policy covers drug rehab and drug and alcohol detox is simple: Talk to one of our admissions specialists. Have your insurance information available when you call. We work directly with Cigna on your behalf. And we find all applicable benefits based on your individual policy. This includes finding out exactly the coverage that applies to your needs.

We realize that dealing with insurance can be not just a hassle but overwhelming. That is why we take the pressure off of you and work with the insurance company directly. This usually takes less than an hour. Call Transformations Treatment Center at 800-270-4315 to get started. We’re a phone call away and help you with the admissions process so you can focus on your recovery.

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