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Information on Drug Rehabilitation Covered by Cigna Health Insurance

Last updated on: Thursday, 19 October 2023
  • What You'll Learn

Cigna health insurance plans offer numerous drug treatment options and utilizing health insurance can significantly reduce the cost of drug rehab. DRS provides an extensive list of drug rehabs that accept Cigna, because insurance coverage varies from center to center. We aim to help you find drug rehab covered by your insurance. With that, you can choose a state in the filter below in order to find a drug rehab program covered by Cigna.

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List of Drug Rehabs Covered by Cigna

Here is access to our entire Cigna covered drug rehabilitation database. Please select a state. If you need help locating the right treatment for you, do not hesitate to contact one of our treatment specialists at 1-800-304-2219.


Type of Insurance

Cigna insurance and its predecessor companies have been in the business of providing affordable healthcare to individuals around the world for over two hundred years. In addition to helping their policyholders address basic healthcare costs, Cigna may also be able to help clients with the costs associated with drug rehabilitation, alcohol rehabilitation, drug detoxification, counseling, therapy, or addiction treatment. In an effort to assist clients in resolving their problems with chemical dependency and alcoholism, Cigna’s Behavioral Health division specializes in the treatment of these problems and can support and offer benefits to many clients who need them.

Of course, successful rehabilitation begins with finding the right rehabilitation facility for the individual’s specific needs. Cigna insurance clients may find that their plan opens the door to some of the best addiction treatment available, but it is important to find the right treatment facility that meets their specific needs and is also available through their insurance plan.

There are numerous treatment options to help addicts struggling with addiction. Depending on the severity of your addiction this could be outpatient or inpatient drug treatment. Typically, what many addicts will do if they have a drug problem and want help, will go to a doctor. Your doctor may refer you to various resources. This could be inpatient facilities or an outpatient center. Yet, it is important to know what your Cigna health insurance plan will cover. Your plan may cover one or the other, or it may cover both.

The variety of treatment methods used in residential and outpatient drug rehab centers helps treat all types of addiction. Typically, the type of inpatient and outpatient programs covered by insurance are 12-step programs, counseling, and family therapy. It is important to make a decision on whether inpatient or outpatient will be the best choice. Some inpatient programs are often part of hospital programs or are a clinic. The length of time to spend at treatment could be one to six weeks. However, what is covered within your Cigna plan will be different.

The outpatient programs covered by Cigna may happen in the local health department, counselor’s office, or clinic. A standard outpatient program will have one or two therapy sessions a week. Your health plan will cover certain types of outpatient treatment. These therapy sessions may be in the evenings or on weekends. This is a good option for people who are still working, holding down a family, and other responsibilities. Intensive outpatient programs covered by insurance are more days per week.

This could be around 10 to 20 hours of counseling or group therapy over a few days each week. Intensive outpatient is a common treatment method covered by insurance providers, such as Cigna. In 2018 roughly 65% of the population in the United States had private health insurance. These are adults under the age of 65 per the Centers for Disease Control. The percentage of adults with public health insurance was around 25%. Health insurance is needed within the United States. The cost of medical care is high. The cost of drug rehabilitation is expensive for private treatment. Health insurance will cover these costs and alleviate the financial burden.

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  • What is private health insurance?

    Private health insurance is a form of insurance where the client pays a private entity for their choice of offered health plans. The plan’s cost is known as the premium, which can usually be paid monthly, bi-annually, or annually. These plans are among the most expensive options for healthcare coverage, but they generally offer superior benefits and provider networks than subsidized or free health insurance options. Some private health insurance plans allow clients to seek treatment wherever they choose, without being restricted to a particular region or network.

  • Does private health insurance pay for substance abuse treatment?

    Private health insurance usually gives someone the best chance of getting complete coverage for quality treatment. However, it’s important to remember that private health insurance companies aren’t required to cover services they don’t deem necessary. You will not know the exact amount of coverage until an evaluation is done and the treatment center submits a claim. Make sure you talk to the intake counselor and fully understand how they handle insurance coverage. Doing so can ensure you do not have any unexpected expenses and that treatment will not get cut short.

  • How do I get private health insurance?

    Private health insurance is available directly from the companies that provide it. Or a person may be eligible to join a “group” policy through their employment. Group policies are purchased by employers at special rates and may be offered to eligible employees for less than the same policy would cost an individual.

  • What if I don't have private health insurance?

    Someone without private health insurance or cash payment may be eligible for Medicaid coverage. Or, they might find a free or low-cost treatment program with bed availability. Some programs provide sliding scale payment systems or allow patients to make payment arrangements. There’s almost always a way to find help if someone wants to recover from addiction.

  • Want to know more?

    The questions from Addicted.org’s “Learn from our Experts” are answered by Michael Leach, CCMA. If you need further clarification on any of the questions above or have any other questions you can contact him directly at mike@addicted.org.




More Information

Marcel Gemme has been helping people struggling with addiction for over 19 years. He first started as an intake counselor for a drug rehabilitation center in 2000. During his 5 years as an intake counselor, he helped many addicts get the treatment they needed. He also dealt with the families and friends of those people; he saw first-hand how much strain addiction puts on a family and how it can tear relationships apart. With drug and alcohol problems constantly on the rise in the United States and Canada, he decided to use the Internet as a way to educate and help many more people in both those countries. This was 15 years ago. Since then, Marcel has built two of the largest websites in the U.S. and Canada which reach and help millions of people each year. He is an author and a leader in the field of drug and alcohol addiction. His main focus is threefold: education, prevention and rehabilitation. To this day, he still strives to be at the forefront of technology in order to help more and more people. He is a Licensed Drug and Alcohol Treatment Specialist graduate with Honours of Stratford Career Institute. Marcel has also received a certificate from Harvard for completing a course entitled The Opioid Crisis in America and a certificate from The University of Adelaide for completing a course entitled AddictionX: Managing Addiction: A Framework for Succesful Treatment.