Does Cigna Cover Inpatient Rehab Treatment?

Dealing with drug addiction is something that millions of people go through every day. While most of us know that the most successful way to get clean and sober is by getting professional inpatient treatment, sometimes the thing stopping us from getting the help we need is the cost of the program and not knowing whether insurance will help pay for it. For many, this may mean not getting the help they desperately need to beat addiction and return to a life of sobriety.

At See Purpose, we want to give all our clients the best chances at recovery by providing them with the information and tools they need to not only seek treatment but to live a life without drugs or alcohol and stay on a sober path for a lifetime. In this post, we are going to discuss addiction insurance, specifically Cigna insurance for addiction, and what is covered. We’ll answer the question “does Cigna cover inpatient rehab” and discuss where to go to find an in-network inpatient rehab center in Bloomfield, IN.

Can I Go to Rehab With Cigna Insurance?

As with most insurance companies, there are questions when it comes to what sorts of coverage are available and whether or not treatments like rehab are covered. In the case of Cigna, they do provide at least some coverage for rehab treatment as part of their mental health and wellness plans.

This coverage typically falls under mental health, and substance use disorder treatment, and insurance companies are mandated by law in accordance with the Affordable Care Act to provide some form of treatment for substance use disorder.

It’s important to note that even though Cigna offers coverage for rehab, what is covered will be determined by the individual’s policy and may be subject to fees and deductibles. It may also be necessary to get a referral from a doctor and find an in-network treatment provider in order for costs to be covered.

It is always recommended to speak with a policy agent and find out what your policy covers and what your options are in terms of treatment before deciding on a facility for treatment. This will help you avoid any unforeseen gaps in coverage, extra expenses, and help with obtaining referrals and any other needed documentation before filing a claim.

Does Cigna Cover Inpatient Rehab Treatment?

Yes, Cigna does cover inpatient rehab treatment. They have coverage options for individuals and families that support inpatient treatment for up to 6 weeks and follow-up care, outpatient care, and continuing treatment options. As part of their substance use disorder care plans, they have a full range of treatment options available.

While Cigna does offer coverage for inpatient rehab, it’s important to know the limitations and restrictions of the plans and how they work.

Firstly, not every plan offers the same coverage, so it is important to check before seeking treatment.

Secondly, treatment is most often referred by a primary care physician before the insurance company approves it. This means that you will have to see a doctor and get a referral to the program of your choosing before your insurance actively covers the inpatient rehab.

Third, your insurance plan will likely include a deductible which must be covered before the insurance coverage will begin. It’s a good idea to account for these out-of-pocket expenses as soon as possible so that treatment goes as smoothly as possible.

Lastly, take note of how your insurance plan covers long of a stay. Many programs last 30 days but can go longer or shorter. Also, the amount of coverage for your inpatient stay will be based on an evaluation of your condition and how much treatment is deemed necessary by a doctor’s evaluation.

How to Find an In-Network Inpatient Rehab in Bloomfield, IN.

Now that you know the answer to the question, “does Cigna cover inpatient rehab” your next step is to find an in-network treatment provider that has the quality of care and treatment that you need.

Sure, you could comb through all the available providers, or you could go to See Purpose, your local inpatient treatment facility in Bloomfield, IN. At See Purpose, we offer inpatient addiction rehab treatment in a calming and relaxing environment. Our treatment is dedicated to finding the root cause of the addiction through a variety of therapies and treatment options. We treat the person and not just the addiction.

Once your stay at our facility begins, we will start with an individual evaluation of your condition and your needs. After all, each person and each addiction is different. We don’t use cookie-cutter methodologies, instead, we provide a well-rounded approach to treatment.

After the evaluation, patients are placed into medically supervised detox before therapy begins. Once treatment ends, we offer aftercare planning so that clients can continue on their road to sobriety and have the best chances of success.