What Is Cigna Insurance & How Does It Work?

Cigna Insurance is a multinational coverage plan that is based out of Connecticut. This major insurance provider is known for offering insurance coverage for addiction treatment within the network of Muse treatment centers. Depending on your specific insurance coverage and plan, coverage is available in varying amounts for your treatment cost. Coverage can vary depending on your specific location and the policy under which you and your dependents are. 


If you have Cigna insurance coverage, the first step that addiction treatment centers will take is speaking with a representative from Cigna to determine the coverage that can be provided to apply to your treatment costs. There can be full payment or partial payments for any approved medical treatments and programs that include substance use disorder treatment. After the coverage of your specific insurance plan is determined, you’ll be informed of your financial requirements for payment before the insurance coverage is applied to the rest of your rehab costs.

Most Cigna insurance plans require patients to pay an insurance deductible on top of any outstanding health care insurance premium rates. There can be additional no-cost programs and medical services available to Cigna policyholders. If you want to learn more about your specific insurance plan and coverage, you can speak with a Cigna insurance representative to have any of your questions answered. 

What Are Cigna’s Types of Plans?

Cigna has a wide selection of health insurance plans that include various specific benefits and varying amounts covered for cost. Certain plans within Cigna Insurance have wider ranges of cost coverage for a drug or alcohol rehab program compared to others. Cigna insurance has four types of medical insurance plans that offer various benefits and coverages within each plan: 

  • Exclusive Provider Organization (EPO)
  • Health Maintenance Organization (HMO)
  • Point of Service (POS) 
  • Preferred Provider Organization (PPO) 

Each insurance plan has varying levels of coverage and benefits. The financial costs and stipulations will range depending on each plan. If you have an HMO insurance plan, provide patients with immediate cost coverage when you attend an approved treatment center within the in-network facility. For other insurance plans, patients can be required to pay a certain amount until an annual threshold is paid. Once that threshold is met, insurance coverage will begin and additional portions of the cost will be paid. Cigna insurance plans will have varying methods of billing and operating depending on the specifics of your coverage and benefits. 

Drug & Alcohol Rehab Facilities That May Accept Cigna Insurance (talk about Muse in a small paragraph mentioning phone number or other CTA)

Every rehab center works within an in-network facility that accepts different insurance coverages. Muse Treatment Centers accepts Cigna insurance plans for the coverage of rehab costs. If you’re unsure of the extent of your insurance plan, the insurance specialists at Muse will verify your insurance plan to determine the amount of coverage available for your drug or alcohol rehab program. Call our admission team at (800) 426-1818 to discuss the costs of your treatment program and verify your insurance to explore the remaining costs, if applicable, for your upcoming rehab program. 

Does Cigna Insurance Cover Alcohol & Drug Rehab Treatment?

Yes, Cigna insurance offers insurance coverage for drug and alcohol rehab programs. Substance use disorders along with mental health disorders are recognized by most major insurance companies as necessary medical concerns. Both substance use and mental health require a comprehensive treatment program that assists in stabilizing your physical and psychological health. Depending on the insurance provider and specific plans offered, the amount covered by insurance will vary. Most plans will cover a high percentage of the cost and, in some cases, can cover the entire amount of your rehab program. 

How to Check Your Cigna Insurance Coverage

At Muse treatment centers, our knowledgeable team can support you in exploring the benefits and coverages offered within your insurance plan. Our insurance specialists can verify your insurance and contact Cigna on your behalf to explore the specifics of your insurance plan and discover the number of your rehab costs that can be paid for through Cigna. Patients also have the option of contacting Cigna directly to ask any questions about their insurance coverage, explain their upcoming stay in rehab, and allow a representative to find the most coverage available for their treatment program. 

What Does Cigna Insurance Cover?

Cigna insurance offers coverage for several medical and mental health treatments beyond addiction treatment. Cigna insurance holders can enjoy coverage for medical costs for the following: 

  • Lab work 
  • Vaccinations 
  • Preventative health care procedures 
  • Non-preventative doctors visits and healthcare 
  • Hospitalization costs 
  • Emergency room visits and treatments 
  • Physical therapy 

If you’re seeking elective medical procedures, medical care that is unapproved, or alternative medicine therapies and treatments, these are unfortunately not covered under Cigna insurance plans. 

Does Cigna Insurance Cover Mental Health & Substance Abuse Treatment?

Cigna insurance does have space within each insurance plan to cover a partial cost of substance use treatment and, in some cases, can cover the entirety of your treatment program. Cigna recognizes that addiction treatment can be provided in an inpatient or outpatient treatment program which is why both levels of care are included under the Cigna insurance plans. If you’re seeking alternative methods of addiction treatment, the cost of these treatments may not be included in your insurance plan. Contact a Cigna representative or the insurance specialists at Muse to inquire if your specific insurance plan will include the form of alternative methods of treatment you’re seeking. 

Does Cigna Insurance Cover Inpatient Drug & Alcohol Rehab?

Inpatient addiction treatment is covered under the Cigna insurance plans. Patients have the option of attending a medical detox within the treatment facility which can be included in your insurance cost coverage. The cost of inpatient rehab will vary depending on the length of time you’re participating in inpatient rehab. The amount covered through insurance and the number of days that can be covered financially will vary depending on your specific insurance plan. 

Does Cigna Insurance Cover Intensive Outpatient Alcohol & Drug Rehab?

Outpatient rehab is included in Cigna Insurance coverage. Patients can be eligible for full or partial coverage depending on your specific insurance plan. Outpatient treatment is considered an intensive outpatient program (IOP) that invites patients to attend the recovery facility during the day but isn’t asked to live within the facility. Patients can choose between a 30, 60, or 90-day program that can be included in their insurance coverage. 

Does Cigna Insurance Cover Partial Hospitalization?

Yes. Cigna insurance recognizes partial hospitalization as an effective method of addiction treatment that is included in the insurance policies with Cigna. A partial hospitalization program (PHP) is another method of outpatient rehab that offers a more intensive approach to addiction treatment and healing. Patients are invited to attend the recovery center for approximately 20 hours a week for up to 90 days. Patients often transition into a PHP after completing a residential treatment program or for those patients that are looking for a more intensive level of support for outpatient treatment. Typically, patients that are participating in a PHP have determined that they have the appropriate levels of support and coping skills to maintain sobriety while at home. 

How Long Will Cigna Insurance Cover Alcohol & Drug Rehab?

Each Cigna insurance plan offers varying lengths of time included in each insurance coverage policy. There are options for patients to have coverage for a period of 4 to 12 weeks for outpatient treatment. Inpatient treatment is included and can include short-term or long-term rehab programs depending on your specific plans. Cigna insurance offers patients the ability to claim a rehab program more than once depending on your specific circumstances. There are times when patients require more time in rehab to ensure that they’ve learned the skills they need and go through the necessary healing process of addiction therapy. To find out the length of time your specific insurance plan covers, speak with the insurance specialists at Muse or a Cigna representative to identify when your insurance can cover the costs, for how long, and if you must pay a deductible for the insurance claim. 


Cigna Insurance May Offer Treatment Coverage for the Following Addictions: (list of Addiction Types linking to Addiction pages – 5 of them under the “addiction” dropdown on Muse homepage)

Cigna insurance plans include the following forms of addiction treatment for patients within Muse treatment centers: 

What are the Options if Cigna Insurance Does Not Cover the Cost of Drug & Alcohol Rehab?

The team at Muse treatment centers is dedicated to providing patients with accessible treatment programs that are affordable for every patient. If your insurance plan doesn’t cover the entire cost of your rehab program or your insurance policy has been maxed out or is currently lapsed, there are options for you to receive the support you’re seeking. Speak with the admission team at Muse– we’ll explore the amount that can be covered in your insurance plan, talk about the costs of your specific treatment program, and offer payment options that fit within your current budget. 

Verify Your Insurance With Us

When you’re preparing to begin the healing process of addiction treatment, there are a lot of things running through your mind to get mentally and physically ready for your upcoming engagement in drug or alcohol rehab. During this time, it can be hard to remember the logistics of your insurance coverage and what is included in your specific insurance plan. The team at Muse treatment centers is here to help make the transition into addiction treatment smooth by answering any questions you have, verifying your insurance, and determining the amount of coverage offered within your insurance plan. 

Next Steps with Insurance Coverage for Alcohol & Drug Rehab Treatment with Muse Treatment

Once you’ve explored and identified the insurance coverage available to you for your treatment program, you’ll be ready to start taking the first steps toward your addiction recovery process. Our team will complete the initial admission process by completing necessary assessments and consultations that allow our team to get to know you and your circumstances with substance use disorders. As our team gets to know you and your specific need for healing and treatment, our team of clinicians can develop a personalized treatment plan that targets your specific goals for addiction treatment and recovery. 


Patients can have the option of participating in an inpatient rehab or outpatient treatment program. Our team can help you determine if you should enter into a medically assisted detox program that allows you to safely overcome physical dependence on alcohol or drugs. Once you’ve successfully moved through any presenting withdrawal symptoms and begun to restore your physical and psychological health from the impacts of substance use, you’ll be ready to begin your rehab program. Your insurance plan can include specific coverage for both detox and rehab. 


If you’re ready to begin your road to recovery, contact Muse treatment centers today to have any questions answered, determine the appropriate levels of care you need for addiction treatment, and verify your insurance with our team. We’re waiting for your call (800) 426-1818 to help you get on the path to healing, wellness, and sobriety. 


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