Cigna Insurance Coverage for Drug & Alcohol Rehab
Check Your Cigna Insurance Coverage
With the form below, we will confirm what benefits are available under your specific plan. Your information is confidential and protected under HIPAA privacy rules.
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Cigna Types of Plans
Cigna offers plans to individuals, families, and employers. Types of plans include health maintenance organization (HMO), exclusive provider organization (EPO), point-of-service (POS), and preferred provider organization (PPO).9
In general, Cigna PPO & HMO plans will include:10
- Bronze. Cigna’s Bronze plan pays 60%, you pay 40%, and the pricetag is lowest in relation to other plans.
- Silver. Cigna’s Silver plan pays 70%, you pay 30%, and the pricetag is medium.
- Gold. Cigna’s Gold plan pays 80%, you pay 20%, and the pricetag is high.
- Platinum. Cigna’s platinum plan pays 90%, you pay 10%, and the pricetag is highest.
HMOs require you to choose a primary care provider from a local network of health care providers. The costs of HMOs are generally lower than most other health insurance plans, if you receive care within the network. EPOs allow you to choose from a network of participating providers, and they may require you to choose a primary care provider. If you seek treatment out of network with an EPO plan, it will likely not be covered.9
A POS plan offers in-network care at a low cost, requires you to choose a primary care provider, and requires you to receive referrals for specialists. With a POS plan, you can see in- or out-of-network specialists but will likely pay higher costs for out-of-network care. PPOs offer you a large network of health care providers and do not require you to choose a primary care provider. With a PPO, you can see specialists without obtaining a referral.9
Rehab Facilities That May Accept Cigna
AAC’s AdCare Rhode Island and Sunrise House facilities are currently in-network with Cigna insurance. However, this may change as more providers become in-network with our various facilities and you may still be able to attend any of our other rehabs as well. Let us work with you and your insurance in order to match you up with the best treatment for your situation. Call us today at to discuss your options and the treatment process.
Does Cigna Health Insurance Cover Drug or Alcohol Rehab?
Yes, Cigna insurance may be able to cover all or part of the cost of rehab depending on your level of coverage.
American Addiction Centers (AAC) is in-network with many insurance companies, including Cigna at a number of our facilities which offer different levels of care for substance addiction, substance abuse, and dual diagnosis or co-occurring mental health issues. Depending on your policy and location, your addiction treatment could be covered.
How to Check Cigna Coverage
At American Addiction Centers (AAC), we have treatment facilities across the country; with a unique atmosphere and different levels of care to help treat your addiction. To learn more about AAC’s treatment options give us a call at Or you can verify your insurance by filling out the form below.
American Addiction Centers strives to provide you with the most updated information on each carriers’ addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.
Options if Cigna Does Not Cover the Cost of Rehab
If Cigna does not cover the cost of rehab, there are various other ways that you can pay for rehab. For example, some rehabilitation centers offer payment plans and accept private payments. There are also a variety of free rehab centers and state-funded rehab centers in the United States for those that don’t have private health insurance or those whose private health insurance coverage will not apply to their chosen provider.
Cigna Employee Assistance Program for Drug and Alcohol Abuse
Cigna offers an employee assistance program (EAP) that gives you access to licensed clinicians who can talk to you about your drug and alcohol use. The EAP is available with health care plans purchased through an employer. This program allows you to meet in person with a licensed counselor, speak with a consultant on the phone, or chat with a consultant through live chat.6
What Will Cigna Insurance Cover?
Depending on the plan, Cigna may cover a range of treatments and services for substance use disorders, that may include:
- Inpatient & Residential Rehab
- Outpatient & IOP Rehab
- Partial Hospitalization (PHP)
- Mental Health & Co-Occurring Disorder Treatments
- Medications & MAT Treatment
Mental Health & Co-Occuring Disorders
Cigna health insurance may also cover mental health and co-occurring disorder treatment, both inside and apart from drug and alcohol rehabilitation. Coverage by Cigna for mental health conditions and co-occurring disorders may benefit those who suffer from depression, anxiety, PTSD, bipolar disorder, and a variety of other mental illnesses. Be sure to ask your insurance provider or your desired treatment center about your possible mental health and co-occurring disorder treatment coverage.
Cigna health insurance may also cover medications and prescriptions to those who are in inpatient or outpatient rehab. Typically, Cigna also covers medications and prescriptions for those who are not participating in any type of treatment program. To determine whether or not your Cigna health insurance plan covers the full or partial cost of medications prescribed both inside and outside of rehab, be sure to speak with your insurance provider.
Outpatient rehab takes place in clinics at hospitals, mental health facilities, counselors’ offices, and local health department offices. Treatment sessions at outpatient rehab may take place once or twice per week for up to 1 or more years.7
Outpatient rehab allows you to live at home and continue going to work or school while receiving treatment.7
Intensive outpatient programs (IOPs) typically meet on 3 days per week for a total of between 10 and 20 hours of therapy. IOPs may last for between 1 and 3 months and may include individual counseling and group therapy sessions. At an outpatient program, patients do not stay at the treatment facility overnight.7 However, American Addiction Centers may have housing available for clients who do not live in the local area.
Partial hospitalization programs (PHPs) usually meet 5 days per week for most of the day. PHPs allow you to receive day treatment while living at home. They may be good fits for people who struggle with more severe substance use disorders but who can safely remain in their home environments.7, 8
Cigna Inpatient/Residential Rehab Coverage
In an inpatient program, you live at the treatment facility while receiving care. The program may provide a wide range of therapies including counseling, medical care, and 12-step groups. Inpatient treatment might be a good choice for those who also need treatment for co-occurring physical or mental health problems, who need a safe environment in which to recover from drug and alcohol use, who have not had success with outpatient programs, and who don’t live near an outpatient center. Inpatient programs often last between 1 and 6 weeks. Residential rehab is a type of inpatient treatment and may involve staying at the facility for months.7
After completing inpatient, it is recommended that you attend outpatient counseling, which can provide support as you adjust to your new sober lifestyle.7
Is Rehab Confidential?
Drug rehab centers, including American Addiction Centers, are generally not allowed to tell a person outside the rehab center that you are a patient or disclose any information about your treatment. This is prohibited by law. Your identifiable health care information is strictly confidential and usually cannot be disclosed to any outside party unless you give your written consent. Examples of exceptions include when disclosure is required by court order, disclosure is made to medical staff to help treat you in a medical emergency, or the information is requested for the purpose of a program evaluation.
Types of Addictions Cigna Typically Covers
Cigna plans that cover substance use disorder treatment cover most major addictions. Most drug and alcohol rehab centers that accept Cigna can treat nearly any addiction. They often offer a range of services that can be customized for your needs.
Cigna may offer treatment coverage for the following addictions:
What Is Cigna Insurance & How Does It Work?
Cigna is a worldwide health service company that helps people better their overall health and well-being. It serves more than 95 million people around the globe.1
Cigna provides coverage for a range of treatments that help people recover from substance use disorders. Cigna also provides coverage for mental health services for mental illnesses such as anxiety and depression.
American Addiction Centers accepts Cigna. Follow this link to get more information about payment options and verify your insurance benefits.
How Does Cigna Rehab Coverage Work?
The level of coverage you receive from Cigna for substance use treatment will vary based on your plan and the state you live in.
Preauthorization is usually required for treatment of substance use disorders. Preauthorization, also known as prior authorization or prior approval, is when your health insurer determines that a treatment or equipment is medically necessary for your condition.2 Those who require preauthorization for substance use disorder services and fail to obtain it may be responsible for paying the full cost of treatment.
You may also be required to meet a deductible and/or pay a copayment or coinsurance if the services you receive are not fully covered. A copayment is a flat amount you pay for the services; coinsurance is a percentage of the costs that you pay. A deductible is the amount you pay for covered services before Cigna will pay for services.3,4
Receiving drug rehab treatment from an in-network provider may help you avoid paying the full cost of treatment. In-network providers have negotiated an agreed-upon price for services with the health plan, which are generally at a lower cost than for someone without insurance or through a plan in which the provider is not in-network.5 Out-of-network providers have not negotiated set prices, and you will likely be charged more to use these providers.5
- Cigna. Facts about Cigna.
- Healthcare.gov. Preauthorization.
- Cigna. (2019). Terms and definitions FAQs.
- Bankrate. Deductible.
- Centers for Medicare & Medicaid Services. (2017). What You Should Know About Provider Networks.
- Cigna. Licensed clinicians available through EAP.
- Cigna. Inpatient and outpatient treatment for substance use problems.
- National Institute on Drug Abuse. (2014). Treatment settings.
- Cigna. (2018). Types of health insurance.
- Cigna. (2022). Bronze, Silver, Gold, and Platinum Health Plans.
Rehabs That May Accept Cigna Insurance
When you invest and successfully complete 90 consecutive days at an American Addiction Centers facility, we believe that you have created the most solid foundation for your long-term goals of sobriety.
In the event that you experience a relapse, you are welcome back for a complimentary 30 days of our treatment*Learn about our brand promise
*Terms and conditions may apply, and results may vary.