The most effective way to deal with substance use disorder is to undergo detox and rehab. At a treatment center, certified professionals help people stop using drugs and teach them how to stay clean.
However, many of those with addiction hesitate to seek treatment because rehab is expensive. Fortunately, Cigna insurance drug rehab coverage can cover a substantial portion of the cost after you get Cigna insurance verification, making treatment more affordable.
Cigna insurance is a global, managed health care services company with millions of members. Across international partnerships, it has an extensive network of health care providers. Also, it offers Medicare coverage to those who are eligible in the United States.
Regarding Cigna insurance drug rehab coverage, the company adheres to government regulations. These stipulate that all health care insurers provide coverage for drug addiction treatment in Los Angeles. The companies must treat it like any other behavioral health service.
However, Cigna insurance has a range of policies that have varying levels of coverage.
In California, the policy levels include bronze, silver, gold, and platinum. While the bronze level has the lowest monthly premium, the out-of-pocket expenses and deductible are the highest. The platinum level has the highest monthly premium but the lowest out-of-pocket expenses and deductible.
Because of these differences, Cigna insurance coverage for drug rehab in Los Angeles greatly depends on the policy. For instance, some plans cover treatment services that other plans don’t.
Also, some health care policies require that people go to in-network providers. They often require precertification to cover services from out-of-network facilities.
Although we essentially take care of all your insurance needs, it’s still useful to understand some commonly used terms. Kindly see below for insurance terms used in drug and alcohol treatment coverage.
An insurance plan premium is a payment you make to your health insurance company that continues to keep your plan active.
This is the most that you’ll have to pay for covered services within a plan year. After these costs are taken care of through deductibles, copayments, and coinsurance, your insurance provider will take care of the rest.
This is the beginning of your policy date. In other words, this is when it will be deemed as effective. You’ll get access to your benefits, which will be dependent on your plan.
A deductible is an amount that must be paid for covered medical services before the insurance begins paying.
A copayment is a cost you may pay before you receive a particular medical service. For example, let’s say you need to pay $2,000 for treatment services at a recovery center. Your health insurance plan may pay half of that price, and then require a $500 copayment to cover the rest.
Residential treatment is a program that involves staying at a rehab center for the duration of detox and rehab. It’s an ideal option for people who have additional mental or physical health issues. It also provides a safe place for people whose home environments are not safe.
Aside from professional services, this type of program includes meals, a room, and continuous care. As a result, the expenses add up quickly throughout treatment. Cigna insurance may pay for many of these services at a drug rehab in Los Angeles. It might include acute inpatient services as well.
More specifically, a bronze plan typically has a 0% coinsurance for in-network providers after paying the deductible. Cigna insurance usually has a 30%-50% coinsurance for silver plans, 20%-50% coinsurance for gold plans, and 10%-30% coinsurance for platinum plans.
For out-of-network providers, some policies provide coverage. Those that do tend to have a higher coinsurance.
Outpatient treatment is cheaper because people don’t stay at a rehab center. Instead, they visit for scheduled services every week. Because of that, Cigna insurance drug rehab coverage may seem to cover more of the costs. For example, it often covers evidence-based therapies and medication management.
In general, standard outpatient care involves therapy sessions at the facility two or three times a week. Intensive outpatient care typically requires sessions five days a week, which provides more comprehensive care. With these schedules, people can still go to school or work and take care of family obligations.
Cigna insurance drug rehab coverage with a bronze plan usually has a 0%-50% coinsurance for in-network services. Like for residential treatment, the coinsurance is less with the other plan levels. In some cases, the plans have co-payments instead. Similarly, they may or may not cover out-of-network services.
Cigna insurance covers mental health treatment. The exact benefits will be dependent upon your plan. The importance of mental health cannot be overlooked.
Addiction is far more than just a physical addiction. There are also underlying emotional and mental roots that should not only be addressed but worked through as well.
Our recovery center offers the highest quality of mental health treatment. We offer many evidence-based forms of therapy, such as cognitive-behavioral therapy and group therapy. Therapy helps to establish coping mechanisms and tools that will help the patient work through cravings and temptations.
Each patient will receive a unique combination of services that best suits their needs for recovery. The more you can look in, the more that you’ll be able to benefit from therapy. It’s crucial to be self-aware during this process, and address your pitfalls head-on.
After all, we all have them. The strength comes in being able to work through these issues and come out stronger than ever before.
If you require treatment for a mental health disorder and addiction, then you’ll require dual-diagnosis treatment. Dual diagnosis treatment is for individuals who have the presence of both a mental health disorder, as well as an addiction. In other words, the individual has co-occurring disorders.
We treat mental health disorders that include but are not limited to:
Our dedicated team of addiction specialists has helped countless patients get the most out of their benefits. We’ll reach out to your provider and go through your plan. We go through a simple two-step process. This process includes:
We’ll start with a complimentary and in-depth evaluation of your insurance benefits. Rather than having to call yourself, we’ll be the ones communicating with the insurance representative. We’ve done this many times before so we know how to talk to them and get the most out of your plan.
After the review, we’ll report back to you. We’ll let you know:
You may have quite a few questions about Cigna’s insurance coverage for drug and alcohol treatment. We encourage you to give us a call so we can directly answer any questions you may have. In the meantime, we often get asked:
Will Cigna insurance cover Multiple Rehab Stays?
Cigna insurance for drug and alcohol addiction covers as many stays as recommended by a medical professional.
Does Insurance Pay for Aftercare?
Yes, Cigna insurance will help take care of costs for an aftercare program.
Could Rehab Make My Insurance Premiums Higher?
Cigna insurance is legally not allowed to raise the premiums for patients post-rehab.
Do you have Cigna insurance and want to seek drug rehab at LA Detox? Our Los Angeles luxury addiction treatment center accepts Cigna insurance policies. We offer Cigna insurance verification to help you determine your benefits.
At LA Detox, we understand the importance of beginning addiction recovery with detox. Also, we know how essential rehab therapy is to a successful recovery. As such, we offer a range of programs and services, such as:
Don’t delay getting treatment any longer because you worry about paying for it. Find out how affordable treatment can be with Cigna insurance drug rehab coverage.
No matter what you’re going through, it’s possible to come out stronger than before. Making that first call is a step in the right direction. Together, we’ll move forward and help pave the road ahead for long-term recovery success.
We’re here to help you not just through insurance coverage and benefits, but everything else as well. At LA Detox, each recovering individual becomes a part of our family. If you have any questions, comments, or concerns, please don’t hesitate to reach out to us here. We’re waiting for your call!
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