For those struggling with addiction, deciding to enter treatment can be daunting. Between the pain and discomfort of detox and the tough mental and emotional work of rebuilding your life, it may be tempting to put treatment off until later—particularly if you’re worried about the cost of treatment. However, for those with Cigna health insurance, it may be easier than you think to begin treatment.
Here, we’ll cover everything you need about drug and alcohol rehab coverage for Cigna members in North Carolina. If you’re ready to take the first steps toward recovery and wondering how to approach the question of insurance coverage, this helpful guide is for you.
Who Is Cigna Insurance?
Founded in 1982, Cigna is one of the world’s largest insurers, covering nearly 20 million people in the United States alone. Cigna is a for-profit company offering a range of insurance and healthcare services that connect people with care.
You can buy Cigna insurance individually through the health insurance marketplace and employer programs. If you are under 25, you may be covered under a parent’s Cigna policy.
Cigna Brands, Products, and Services for Drug and Alcohol Rehab
What Is Cigna Rehab Coverage in North Carolina?
While you may not find the words “rehab coverage” in your insurance policy, it’s important to know that Cigna offers coverage for inpatient and outpatient care in addiction treatment facilities. This means Cigna will cover some or all of the costs or treatment in these rehabilitation centers.
You can learn more about Cigna’s behavioral health services by reviewing your insurance policy, browsing your provider directory, or connecting with a rehab facility near you to learn whether Cigna covers it.
Does Cigna Cover Drug and Alcohol Rehab in North Carolina?
Yes, Cigna offers coverage for drug and alcohol rehabilitation. The Affordable Care Act dictates that Cigna, like all health insurers in the United States, must offer coverage for mental health and substance abuse services. However, coverage levels can vary depending on your specific plan, so you will need to check your insurance policy for details.
Connect with the treatment center you are considering to begin the insurance verification process and get an estimate of out-of-pocket costs.
Does Cigna Cover Medical Detox Treatment in North Carolina?
Yes, Cigna typically covers at least some of the cost of detox treatment centers as it falls under the category of substance abuse treatment. Your insurance policy will detail how much your plan covers your treatment.
The detox facility’s insurance specialists can liaise with Cigna and estimate how much you might be expected to pay out-of-pocket. Call 888-399-7556 to verify your insurance coverage and begin the admissions process.
Does Cigna Cover Addiction Treatment in NC?
Yes. Per the ACA, addiction treatment is covered under Cigna health plans. Check your insurance policy for details about coverage levels for behavioral health services. You can also speak with the treatment center directly—their insurance specialists can talk to Cigna and estimate how much of your treatment will be covered.
Does Cigna Cover Mental Health Treatment & Therapy?
Yes, under the ACA, health insurance plans are required to cover mental health services like drug counseling and psychotherapy. Health plans are required to cover these services in the same way they would cover medical and surgical treatments. Check your insurance policy for details about your mental health benefits.
It may be worth connecting with an insurance specialist at the mental health treatment center you are considering, as they can work with Cigna to determine your coverage specifics and out-of-pocket costs.
Check Your Cigna Insurance
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Other Rehab Treatment Programs Covered by Cigna in North Carolina
Treatment facilities like Midwood Addiction Treatment Center offer several programs for those at each stage of recovery. Your Cigna policy should outline coverage levels for inpatient and outpatient treatment services.
Cigna Insurance Coverage for Partial Hospitalization Programs (PHP)
Cigna Insurance Coverage for Intensive Outpatient Program (IOP)
Cigna Insurance Coverage for Acute Treatment Programs
Rehab Center in North Carolina That Takes Cigna
If you are looking for a rehab center in North Carolina that accepts your Cigna plan, Midwood Addiction Treatment Center may be worth considering. Located near Charlotte, our state-of-the-art facility has helped thousands of patients recover from addiction and rebuild their lives.
Midwood Addiction Treatment Center – Matthews, North Carolina
3057 Senna Drive
Matthews, North Carolina 28105
How Much Does Rehab Cost in North Carolina With Cigna Insurance?
The National Center for Drug Abuse Statistics reports that the average cost of residential rehab in North Carolina is nearly $57,000, while those in outpatient treatment typically pay only $1,703.
However, the cost of rehab can vary substantially depending on the facility, program, and length of treatment, as well as your specific plan with Cigna. To get an estimate of treatment costs, connect with an insurance specialist by calling 888-399-7556.
How To Check Cigna Coverage Levels for Rehab Treatment in North Carolina
You can check your coverage level by reviewing your Cigna insurance policy. If you have questions about your plan, it may be worth contacting a Cigna representative to clarify your benefits.
You can also contact the rehab facility directly to verify your insurance coverage, receive an estimate of out-of-pocket costs and begin the admissions process.
How To Get Cigna Insurance To Pay For Addiction Treatment
Review your insurance policy for details about inpatient and outpatient mental and behavioral health coverage to get Cigna to pay for your treatment. Then, consult with a treatment facility that accepts Cigna—their billing and insurance specialists will connect with Cigna to verify costs and coverage. They will also assist with submitting any necessary documentation and claims to Cigna.
How Many Times Will Cigna North Carolina Pay For Rehab?
Cigna’s coverage for repeat rehab admissions depends on your specific plan and the circumstances of your treatment needs. Generally, there’s no set limit on the number of times you can go to rehab, but there may be coverage limits.
Refer to your insurance policy for more details about your benefits, or contact your rehab facility’s billing and insurance specialists for help.
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