We Level Up Rehabs That Accept Cigna Insurance. Get a Free Cigna Alcohol Rehab Centers Insurance Check.

Cigna Insurance, Overview, Coverage, Addiction Resources, & FAQs If you have Cigna insurance and are searching for a drug and alcohol treatment facility in NJ that is covered by your plan, We Level Up NJ can help.

Addiction Rehabs That Accept Cigna

It takes great courage to enter a drug or alcohol rehab program. So many people struggle with this decision, finding it hard to admit that they may need professional help to deal with their substance abuse and mental health problems. So, it can be disheartening to discover that rehab is simply beyond the reach of anyone without the financial means to get treatment.

Individuals struggling with addiction and mental health consequently find themselves searching for ways to cover the cost of regaining their health and wellbeing. We are often asked if treatment for drug or alcohol addiction is covered through private health insurance providers like Cigna, and the answer is yes, we offer Cigna insurance coverage.

Cigna health insurance covers substance abuse and mental health treatment for its members. Cigna has partnerships with addiction and mental health rehab facilities throughout the country to provide a variety of medical detox, inpatient treatment, residential rehab, and outpatient services at discounted rates to members. The Affordable Care Act (ACA) [1] requires that insurance companies provide some degree of coverage for mental health treatment, which includes substance use disorder (SUD) treatment (including coverage for drug and alcohol addiction).

Before you decide which rehab center might be best for your needs, it’s important to check your insurance benefits to understand what costs are covered by your insurance provider, and which ones you are responsible for. 
Ryan Zofay forming a circle and hugging friends.

Get Your Life Back

Find Hope & Recovery. Get Safe Comfortable Detox, Addiction Rehab & Mental Health Dual Diagnosis High-Quality Care at the We Level Up Treatment Centers Network.

Hotline (877) 378-4154

What Is Cigna Rehab Insurance? 

Cigna is a global healthcare business that serves over 180 million people in over 30 countries around the world. [2] Cigna insurance provides coverage for a host of medical needs, including the treatment of mental health and rehab for substance abuse disorder.

Cigna Group Health Insurance Plans

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.

Cigna Rehab Insurance Resources 

To better support those who face drug or alcohol addiction, Cigna started a Behavioral Health division. In addition to providing articles, tools, and podcasts for individuals and family members, the division now includes an education series.

Cigna Policy Coverage For Substance Abuse 

If you have a substance use disorder, your doctor or an addiction specialist may suggest treatment at an inpatient or outpatient facility. At inpatient facilities, you stay overnight. At outpatient facilities, you come only during the day. How long you stay varies among programs.

Get Help. Get Better. Get Your Life Back.

Searching for Accredited Drug & Alcohol Rehab Centers Near You? Or Mental Health Support?

Even if you have failed previously, relapsed, or are in a difficult crisis, we stand ready to support you. Our trusted behavioral health specialists will not give up on you. Call us when you feel ready or want someone to speak to about therapy alternatives to change your life. Even if we cannot assist you, we will lead you wherever you can get support. There is no obligation. Call our hotline today.

FREE Addiction Hotline – Call 24/7

Cigna Rehab Insurance Coverage For Inpatient Treatment 

Inpatient and outpatient treatment programs both usually involve the 12-step program used by Alcoholics Anonymous (AA) and Narcotics Anonymous (NA). Treatment may include group therapy, one-on-one counseling, drug and alcohol education, medical care, and family therapy.

Your doctor or counselor will help you decide whether you should have inpatient or outpatient treatment. The choice may depend on:

  • How severe your substance use disorder is.
  • Your mental health.
  • Your family support.
  • Your living situation.
  • How the treatment will be paid for.

Inpatient treatment may be part of a hospital program or found in special clinics. You’ll sleep at the facility and get therapy in the day or evening.

Inpatient treatment may be a good option if:

  • You’ve tried outpatient treatment but it didn’t work.
  • You have other physical or mental health problems.
  • Your home situation makes it hard to stay away from drugs or alcohol.
  • You don’t live near an outpatient treatment clinic.

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.

Do Treatment Centers Need to Be In-Network to Accept Cigna Insurance?

In-network providers have a contract with the insurance carrier to offer rehab services at a set price. This means that your out-of-pocket expenses will typically be lower than if you choose an out-of-network facility. In some cases, you may even be responsible for the full cost of addiction treatment if you choose an out-of-network facility.

Whenever possible, try to choose a rehab facility that is in-network with Cigna. If you are unable to find an in-network provider or prefer a facility that is out-of-network, you may be able to work out a payment plan with the rehab facility so you can pay back the cost of treatment over time.

Inpatient Rehab Service And Costs

Depending on your Cigna plan, your benefits and coverage will vary. For instance, Cigna’s lowest plan – bronze – offers lower premiums, but individuals may face higher deductibles and out-of-pocket expenses. But for those with gold or platinum plans, you receive more comprehensive coverage with lower deductibles.

Regarding substance abuse treatment, the services insurance covers and the expenses you will be responsible for depend greatly on the type of plan and the state you reside in. Contact your health insurance provider to review your policy and determine the types of treatment services that are covered by your plan.

Insurance coverage and out-of-pocket expenses may fluctuate depending on your specific plan and where you’re located. Here are several estimates for inpatient rehab costs broken down by plans.

Cigna insurance
Inpatient rehab is the highest level of care for substance abuse treatment

First-class Facilities & Amenities

World-class High-Quality Addiction & Mental Health Rehabilitation Treatment

Rehab Centers Tour

Renowned Addiction Centers. Serene Private Facilities. Inpatient rehab programs vary.

Addiction Helpline (877) 378-4154

Proven recovery success experience, backed by a Team w/ History of:


Years of Unified Experience


5-Star Reviews Across Our Centers


Recovery Success Stories Across Our Network

  • Low Patient to Therapist Ratio
  • Onsite Medical Detox Center
  • Comprehensive Dual-Diagnosis Treatment
  • Complimentary Family & Alumni Programs
  • Coaching, Recovery & Personal Development Events

Inpatient Rehab Coverage Estimates

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.

Frequently Asked Questions About Cigna Coverage for Rehab

How can I verify my Cigna health insurance benefits?

Different Cigna policies may cover varying types, levels, and amounts of drug rehab treatment. To get the most accurate and up-to-date information about your Cigna health insurance policy, you may contact us at We Level Up NJ. We will contact Cigna on your behalf to verify your benefits for treatment. Please have the following information ready so we can verify your benefits:

  • Company name of your insurance provider
  • Your member ID number
  • Your date of birth
  • Your insurance provider’s telephone number (found on the back of your insurance card)

How much does it cost to verify my benefits and begin the admissions process at We Level Up NJ?

Verifying your Cigna insurance benefits with us is completely free. This is a complimentary service we provide to all potential clients and you will not be charged a fee.

Who else will be notified when I verify my Cigna insurance benefits?

The process of verifying your insurance benefits at We Level Up NJ is completely confidential. This means no one else on your policy will be alerted when you contact us or when we contact Cigna on your behalf.

World-class, Accredited, 5-Star Reviewed, Effective Addiction & Mental Health Programs. Complete Behavioral Health Inpatient Rehab, Detox plus Co-occuring Disorders Therapy.

CALL (877) 378-4154

End the Addiction Pain. End the Emotional Rollercoaster. Get Your Life Back. Start Drug, Alcohol & Dual Diagnosis Mental Health Treatment Now. Get Free No-obligation Guidance by Substance Abuse Specialists Who Understand Addiction & Mental Health Recovery & Know How to Help.

Do I have to commit to treatment at We Level Up NJ if I complete an insurance benefits verification?

Insurance benefits verification at We Level Up NJ is also obligation-free, so you do not have to commit to any form of treatment at We Level Up NJ for us to do this for you.

We Level Up NJ Makes It Easy to Verify Your Cigna Insurance Benefits for Drug Rehab

We understand that combing through the coverage details of your Cigna insurance policy can be challenging, time-consuming, and frustrating. Fortunately, you don’t have to do it alone. At We Level Up NJ, our admissions staff works with many Cigna customers during the admissions process.

Once we determine the appropriate level of care for you or your loved one, we will quickly verify your insurance benefits and have an open and honest conversation with you about the cost of drug rehab and your Cigna coverage options.

Cigna Insurance
Cigna health insurance policies generally offer coverage for various addiction treatment and drug rehab services.

Experience Transformative Recovery at the We Level Up Treatment Center.

See our authentic success stories. Get inspired. Get the help you deserve.

We Level Up Treatment Centers for Drug Alcohol Rehab Detox Behavioral Mental Health Dual Diagnosis Therapy
We Level Up Treatment Centers for Drug Alcohol Rehab Detox Behavioral Mental Health Dual Diagnosis Therapy
We Level Up Treatment Centers for Drug Alcohol Rehab Detox Behavioral Mental Health Dual Diagnosis Therapy
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.

Start a New Life

Begin with a free call to an addiction & behavioral health treatment advisor. Learn more about our dual-diagnosis programs. The We Level Up treatment center network delivers various recovery programs at each treatment facility. Call to learn more.

  • Personalized Care
  • Caring Accountable Staff
  • World-class Amenities
  • Licensed & Accredited
  • Renowned w/ 5-Star Reviews

We’ll Call You


[1] SAMHSA – https://www.samhsa.gov/about-us/who-we-are/laws-regulations

[2] Cigna – https://www.cigna.com/individuals-families/health-wellness/hw/medical-topics/inpatient-and-outpatient-treatment-for-substance-ad1101