Cigna Rehab and Cocaine Treatment Coverage
If you are struggling with an addiction to cocaine, you can rest assured others are right there along with you. Approximately 25 million Americans have admitted to using cocaine, and conservative estimates indicate over 2 million people in America are addicted to the drug. It is a highly addictive substance with strong physical symptoms of withdrawal. If have a Cigna insurance plan, recent changes under the Affordable Care Act have made it possible for you to get coverage for rehab with your existing plan. However, the amount of that coverage may vary depending on the plan you have.
Determining what type of Cigna cocaine treatment coverage you have can be a difficult process, especially with the complicated paperwork that comes with an insurance policy. Consider calling your insurance representative for a detailed explanation of what coverage you have.
Rehab Options Under Cigna Insurance
Generally speaking, Cigna cocaine treatment coverage only extends to traditional rehab options. This means that the counseling, medical detox and outpatient care should be covered, as long as it is provided through an in-network provider. Out-of-network providers may be covered as well, but your out-of-pocket costs will be higher. Because of these stipulations, Cigna cocaine treatment coverage typically excludes:
- Alternative treatments
- Luxury rehab facilities
- Private rehab
- Executive rehab
If you feel that one of these would be a better fit for your needs, your Cigna plan may cover the traditional parts of the rehab, or you may need to find an alternative payment plan. Most facilities offering these types of treatments will offer a payment plan option to their patients and clients.
Keep in mind that cocaine treatment may require travel out of state. As long as the treatment facility is in your network, your coverage should still cover your treatment.
Out-of-Pocket Costs for Cocaine Treatment Under Cigna Cocaine Treatment Coverage
Estimating the out-of-pocket costs for cocaine treatment with Cigna insurance plans is challenging, as each plan has a different deductible and co-pay amount. You will be responsible for the entire deductible and any co-pays through the duration of your treatment. Sometimes the plan will only cover a portion of the treatment after the deductible has been met, such as 80 percent.
If you find that your Cigna cocaine treatment coverage is not sufficient for your needs, you do have the option to pay anything above what your insurance covers. This ensures that you get the quality treatment you need, even if your insurance does not fully cover it.