Cigna Insurance Coverage for Rehab Treatment

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 Cigna at a number of our facilities, including AdCare Rhode Island, which operates in several locations throughout the state, among others. AAC’s facilities offer different levels of care for substance addiction, substance misuse, and co-occurring mental health issues. Depending on your policy and location, your addiction treatment could be covered.

How to Check Cigna Rehab Coverage

At 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.

AAC 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 with insurance that won’t cover their chosen treatment center.

Cigna Employee Assistance Program for Drug and Alcohol Use

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 some healthcare 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 Does Cigna Insurance Cover?

Depending on the plan, Cigna may cover a range of treatments and services for substance use disorders, including:

• Inpatient and residential rehab.
• Outpatient and intensive outpatient programs (IOPs).
• Partial hospitalization programs (PHPs).
• Detoxification.
• Mental health and co-occurring disorder treatment.
• Medications for addiction treatment.

Cigna Outpatient Rehab Coverage

Outpatient rehab takes place in clinics housed in hospitals, mental health facilities, counselors’ offices, and local health department facilities. Outpatient treatment sessions vary in intensity, but all allow you to live at home or in a sober living environment while receiving treatment.⁷  

The range of care for treatment options is based on the continuum of care from the American Society of Addiction Medicine (ASAM), which offers various levels from .5 for preventative treatment to 4 for medically managed intensive inpatient treatment. Level 1 comprises basic outpatient services. However, levels 2, 2.1, and 2.5 are also outpatient services, and they include intensive outpatient programs (IOPs) as well as partial hospitalization programs (PHPs).¹²

Cigna Intensive Outpatient Programs (IOPs)

With IOPs, services are similar to Level 1 care, but they’re more intense.¹³ Intensive outpatient programs (IOPs) typically meet 3 days per week for 10 to 20 hours of therapy each week. IOPs may last 1 to 3 months and may include individual counseling and group therapy sessions.⁷ Again, patients live at home and attend treatment during the day, in the evenings, or on the weekends.

Cigna Partial Hospitalization Programs (PHPs)

PHPs are often considered the midway point between inpatient and outpatient care.¹⁴ They provide less intensive care than an inpatient rehab but more intensive services than a traditional outpatient program.¹⁵

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 or in a sober living facility. They may be a good fit for people who struggle with more severe substance use disorders but who don’t need around-the-clock care.^{7, 8}

All insurance coverage (except grandfathered plans) must offer substance use disorder and mental health services according to stipulations in the Affordable Care Act (ACA). Additionally, plans purchased through the HealthCare.gov Marketplace can’t limit the amount of substance use or mental health treatment covered.¹⁶

Thus, substance use disorders are covered under Cigna plans. However, the scope of that coverage is dependent on the specific plan you have as well as whether your chosen provider is in-network or out-of-network with Cigna.

If you’re looking for Cigna outpatient services, including both PHP and IOP options, American Addiction Centers’ various facilities offer a host of options from which to choose.

To determine whether your plan offers Cigna IOP, PHP, and/or outpatient coverage, reach out to us at and allow us to verify your insurance benefits for you.

Mental Health and Co-Occurring Disorders

Cigna health insurance may also cover co-occurring disorder treatment as part of substance use treatment. Coverage by Cigna for mental health conditions and co-occurring disorders may benefit those who suffer from depression, anxiety, post-traumatic stress disorder (PTSD), bipolar disorder, and a variety of other mental illnesses. Ask your insurance provider or your desired treatment center about your possible mental health and co-occurring disorder treatment coverage.

Medications

Cigna health insurance may also cover medications for individuals in treatment for drug and alcohol misuse. To determine whether or not your Cigna health insurance plan covers the full or partial cost of medications prescribed both in and out of rehab, speak with your insurance provider.

Does Cigna Cover Inpatient Rehab or Residential Treatment?

In an inpatient program, individuals 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.⁷

Is Rehab Confidential?

Drug rehab centers, including AAC facilities, are not allowed to disclose any identifiable healthcare information. This is prohibited by law. Your identifiable healthcare information is strictly confidential and cannot be disclosed to any outside party without written consent. Examples of exceptions include court-ordered disclosures, medical emergency disclosures, 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 to fit an individual’s specific needs.

Cigna may offer treatment coverage for addictions, including:

• Alcohol.
• Heroin.
• Prescription opioids.
• Marijuana.
• Methamphetamine.
• Cocaine.
• Benzodiazepines.
• Prescription stimulants.
• Sleep aids/sedatives.
• Other drugs.