Cigna Insurance Coverage

You are about to go to rehab and make a big life change. Many challenges await you. You will be in a new environment, stop using the substance you have been using, and learn how to live life without it. One additional burden is the financial side of your healing process. Luckily, if you have Cigna insurance, you don’t have to worry much about this part of your story. We Level Up Lawrenceville NJ will tell you about the details of Cigna insurance coverage, how to verify it, and the benefits it will bring you. Contact us today and get the support you need without financial worries.

What Is Cigna Rehab Insurance? 

Cigna is among the major health insurance companies in the United States. This company offers a wide array of health plans. It gives you access to a broad network of doctors, hospitals, and treatment centers. The goal of Cigna is to provide you health care coverage for improved well-being and health.

The substance abuse treatment features covered by Cigna insurance include detoxification, both inpatient and outpatient, therapy, and aftercare support after completing the program. The Cigna rehab provider network will help get you the proper care to overcome addiction. Coverage can vary depending on your specific plan. Therefore, you need to check your policy or contact Cigna to find out what is covered. The elastic coverage offered by Cigna insurance coverage New Jersey for substance abuse treatment allows you to look towards getting better, without feeling too much tension about the cost.

Is Cigna a Good Insurance?

Yes. Cigna is a good insurance provider because it:

• Has a large network of doctors, hospitals, and treatment centers
• Includes a wide range of medical services, such as preventive care, mental health services, and substance abuse treatment. You will just need to look for rehabs accepting Cigna
• Cares about you as a customer and is there to help you understand your coverage and benefits clearly
• Offers various wellness programs and resources which will contribute to your health

Types of Cigna Plans and Coverage Details

Cigna insurance provides group health insurance plans through an employer. Plans include:

• Open Access Plus (OAP) offers a national network of doctors and hospitals, discounts, the option to select a primary care provider (PCP), and no referral requirements.
• HMO requires you to use doctors and hospitals only within a specified network. An HMO often has lower monthly premiums, but higher deductibles. Under an HMO, you will choose a primary care physician (PCP) who will assist with coordinating your care.
• PPO offers a large network of doctors and hospitals you are required to use. The policy premiums of a PPO are typically higher than an HMO, but your deductibles may be lower or higher.
• LocalPlus provides employees with a limited network of doctors and hospitals plus access to Away from Home Care.
• SureFit is a customizable plan for employers and employees and is available only in certain service areas.
• Indemnity Plans (Network Savings Program) allow employees to see any doctor, use any hospital, and visit any specialist without a referral.
• Cigna Network provides a list of doctors and hospitals you must use within a service area.
• Group Medicare plans are designed to meet the specific needs of retired employees.

Inpatient Treatment with Cigna Insurance Coverage

Inpatient treatment involves staying at one of New Jersey drug rehab centers for a certain period to receive intensive care for addiction. This type of treatment is designed for individuals who need a structured environment and round-the-clock support to overcome substance abuse. Inpatient treatment includes various therapies, medical supervision, and support services aimed at helping individuals achieve and maintain sobriety.

There are plenty of benefits of inpatient treatment at We Level Up Lawrenceville NJ. We will:

• Provide you with 24/7 medical supervision and make sure you are safe at all times
• Put you in a structured setting with no triggers or distractions you would find in everyday life
• Address all aspects of your addiction with individual counseling, group therapy, and holistic treatments
• Create an environment where you can meet people who share your experience and understand you
• Meet your specific needs with individualized treatment
• Plan for your life after treatment and support your efforts to maintain a sober life.

Inpatient treatment may be a good option if you:

• Have tried outpatient treatment but it did not work
• Find it hard to stay away from alcohol and drugs while at home
• Suffer from severe addiction
• Have other physical or mental health problems

You may stay for 1 to 6 weeks, depending on how your recovery is going. After inpatient treatment, you should go to outpatient treatment for more counseling and group therapy. Inpatient treatment also may be residential, which means you stay at the facility for months.

Inpatient Rehab Coverage Estimates

Here are the estimates for inpatient Cigna insurance coverage:

• Bronze plans: Typically have 0% coinsurance for in-network providers which means Cigna will pick up the costs after you pay your plan’s deductible in full. For out-of-network services, some plans will help cover costs while others may not.
• Silver plans: In-network programs coinsurance usually falls between 30 to 50 percent after the deductible is met. Out-of-network services may or not be covered, depending on the state you reside in.
• Gold plans: Coinsurance for in-network plans can range from 20 to 50 percent after the deductible. Similar to the other plans, out-of-network providers may or may not be covered depending on the state in which the policy was issued.
• Platinum plans: 10 to 30 percent coinsurance after meeting the plan’s deductible. Some plans may cover out-of-network programs at a higher coinsurance percentage.

Medical Detox Programs under Cigna Insurance

Medical detox is the first and crucial step in overcoming addiction. It helps safely manage withdrawal symptoms under medical supervision. Search “detox centers near me” and find the most suitable facility. It is important you get the right care. This process is essential to ensure your body clears the substances in a controlled and safe environment, reducing the risks associated with sudden withdrawal.

Cigna insurance extends to drug rehab and alcohol rehab, along with their associated medical detox programs, under their substance abuse treatment plans. Each required level of medical supervision, medication, and support during the detoxification process is covered. This is how Cigna helps ensure you receive the key care necessary to start your recovery journey.

In-Network vs. Out-of-Network Providers

In-network providers are healthcare professionals and facilities that have an agreement with Cigna to provide services at a discounted rate. Out-of-network providers do not have such an agreement, which can lead to higher costs for the same services.

Choosing an in-network provider usually means lower out-of-pocket costs for you. Cigna negotiates rates with these providers to help keep your expenses down. On the other hand, using out-of-network providers can result in higher charges and less coverage, leading to more out-of-pocket expenses.

Selecting in-network providers for your medical detox and other treatment services is important. It ensures you get the maximum coverage from your Cigna insurance plan, reducing your financial burden. Always check if the facility or doctor is in Cigna’s network to make the most of your insurance benefits and keep your costs manageable.

Frequently Asked Questions About Cigna Insurance Coverage

Drug and Alcohol Abuse in New Jersey

In 2021, over 1 million residents used illicit drugs within a single month in New Jersey. This is very critical and needs our attention. Alcohol use is even more pervasive. The number of people who consumed alcohol was over 4 million.

Drinking often leads to alcohol use disorder. In New Jersey, over 1,500 people die from AUD every year. Do you suspect you have a drinking problem? Are you using any other addictive substances? Consider seeking treatment. Don’t let addiction take over your life. Look for professional help and protect your health.

How to Verify Your Cigna Insurance Coverage with We Level Up Lawrenceville NJ

Verifying your insurance at Cigna rehab centers is a simple process. You need to:

• Gather your information: Have your Cigna insurance card and personal information ready. This includes your policy number, group number, and any other relevant details.
• Contact our admissions team: Call our admissions at (877) 378-4154. Our friendly staff will guide you through the verification process and answer any questions you might have.
• Provide necessary details: Share your insurance information with our admissions team. We will communicate with Cigna to verify your benefits.

Once we verify your benefits, we will explain precisely what is covered with Cigna drug rehab coverage; this includes all of the information about medical detox and inpatient treatment, among other services. Let our professionals help you plan your next step on your way to recovery once the verification is done. Our team will work with you to ensure you get the care that you need.

Verify Your Cigna Insurance and Start Your Treatment

Does Cigna cover alcohol rehab? Can get drug addiction treatment with my insurance. Call We Level Up NJ and learn. We offer you medical detox, inpatient and outpatient treatments, therapy, counseling, holistic treatments, and everything you need to recover successfully. By choosing our alcohol rehab NJ center, you will get treatment from our highly experienced team with a holistic approach that targets physical, mental, and emotional problems. Contact our admission team and verify your Cigna insurance benefits. Get the support you need and start living a healthier life today.

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Voluntarily testimonials from the We Level Up Treatment Center network vary. Not intended as a guaranteed treatment or outcome as each person's journey is unique.