List of rehabs covered by Cigna in Maryland
Below is a list of the different drug rehab centers that accept Cigna insurance in Maryland. Each listing provides information on the types of services provided and the payment options available. You can also find accreditations and certifications to help you determine if the rehab center is trusted and has the expertise you are looking for. The list can be incomplete so please do not hesitate to contact a treatment specialist at 1-800-304-2219.
Commitment to Quality
Addicted.org's team of addiction professionals has over 100 years of combined experience in the field of substance use and addiction recovery. They use this experience when assessing each service listed in our directory. If you have any questions, comments, or concerns regarding any of the listings in our directory, you can contact the team directly at Communications@addicted.org. We will utilize your feedback to make any necessary updates to our list of services.
Health insurance policies such as what Cigna provides will often cover services at a certain percentage or up to an allowed amount. Depending on the type of policy or plan someone has in Maryland, it could range from 30 to 100 percent coverage. Within the behavioral health services plan in a Cigna policy; a client of Cigna can access different types of treatment for addiction and substance abuse in Maryland. Throughout the state are both residential and outpatient services, detox programs, hospital inpatient treatment, and counseling services. Each type of addiction is not the same, and it is important for addicts to find the best possible help. Unfortunately, the initial cost for private drug treatment can be high, and many families in Maryland will have to rely on their Cigna health insurance plan to offset some or all the costs connected to treatment. Drug addiction and substance abuse disorders are dangerous, but with the right help, these problems can be beaten.
Ask a Professional
Will my insurance pay for my rehab?
Maybe. Generally, the more severe the person’s addiction is, the more likely an insurance company will pay. The determining factor in getting coverage is if the insurance provider believes you need it. Insurance companies have a team of medical professionals that review all claims submitted. If they disagree that the person needs drug rehab, they don’t pay. All this being said, you must ensure the facility you want to attend accepts your insurance.
How do I know if a drug rehab accepts my insurance?
The easiest way to know if your policy is accepted is to call the treatment facility and give them your insurance information. They will be able to let you know if your insurance is accepted and verify your benefits to provide you with an idea of how much coverage you will get. Another way is to ask your insurance provider for a list of treatment facilities they work with. Doing so can save a lot of wasted phone calls to facilities that don’t accept your policy.
Do all health insurance policies cover drug rehab treatment?
Yes. Between the Mental Health Parity and Addiction Equity Act and the Affordable Care Act of 2010, all insurance providers must offer some form of substance abuse treatment coverage. The level of coverage varies between insurance providers and policies. Generally, more expensive private health insurance policies cover at a higher rate. It’s important to note that treatment facilities may limit the type of policies they accept. Even if your insurance plan has coverage, it may not be taken at the drug rehab you want to attend.
Can I purchase a policy specifically to cover treatment?
Technically, there’s no reason someone can’t purchase a policy specifically to cover their addiction treatment. What makes it challenging is private health insurance companies have developed tactics to prevent people from quickly purchasing a policy to avoid a significant expense like addiction treatment and then dropping the policy afterward. To prevent this financial loss, they only allow people to but policies during a certain period of the year, known as "open enrollment." Open enrollment can be a window as small as a few weeks out of the year, forcing people to wait until that time to get coverage. Other policies have "blackout periods" where major services like substance abuse treatment aren’t yet covered. Blackout periods usually last for one year, meaning the person must pay to keep the policy active for twelve continuous months before it will pay for any portion of an addiction treatment service.
How are Medicaid and private health insurance different?
Medicaid is free health insurance subsidized by each state and offered to qualified residents. To obtain Medicaid coverage, a person must demonstrate financial hardship that prevents them from getting private health insurance. Private health insurance is not free. It is purchased by individuals from insurance companies or may be provided through employment.
The questions from Addicted.org's "Ask a Professional" 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 M.Leach@Addicted.org..
What's Next?
After completing a drug rehab in Maryland covered by Cigna, aftercare support is the next step. It is challenging to know what aftercare should be considered. However, the most common approaches include outpatient programs, sober living homes, sober coaching, or recovery meetings. Many of these aftercare options are available in Maryland. The goal is to help you or your loved one continue the recovery journey.
