Using Cigna Insurance to Cover Drug & Alcohol Rehab

Cigna is one of the country’s largest insurance companies, providing coverage for employer-sponsored health plans, Medicare-subsidized plans, and private coverage for individuals and families. Cigna operates in the New Jersey area and tristate region.

Cigna provides coverage to 17 million customers across the globe, leveraging a network of over 1.5 million relationships with providers, clinics, and facilities.¹ Cigna has also worked to grow its mental health and behavioral health care network by 70% since 2016, and now has a specialized network of over 175,000 mental and behavioral health care providers.¹

Cigna Insurance Coverage for Substance Abuse Treatment

Under the federal health care reform law Affordable Care Act (ACA), health plans should provide coverage for essential health benefits.¹ Of the 10 essential health benefits, services for mental health and substance use disorders are one of the categories.²

Specifically, all health plans must cover behavioral and mental health inpatient services, treatment for substance use disorders, and behavioral health treatments (e.g., counseling and therapy), in some capacity.²

All Cigna health plans abide by the ACA’s mandates for essential health benefit coverage.

However, please note that every health plan is different, and may cover services fully or partially, depending upon your plan type, location, and facility at which you seek care.

You can easily check and see if your Cigna insurance benefits would work at one of our facilities by simply

Types of Addiction Treatment Covered by Cigna

Each person’s addiction treatment may follow a different path through the levels of care facilities may offer. While the treatment you receive may vary based on your needs, here is a general overview of the various levels of care you’d be able to access at Sunrise House Treatment Center in New Jersey:

• Medical Detox.
• Live-in rehab, including inpatient and outpatient rehab.
• Outpatient care, including partial hospitalization and intensive outpatient programs and standard outpatient therapy.
• Aftercare, including sober living, continuing outpatient therapy, 12-step/mutual support meetings, and alumni programs.

When you arrive at Sunrise House Treatment Center in Lafayette, NJ, you’ll undergo an intake process. During this process, you’ll receive both a medical and psychological assessment to determine your addiction severity, your general mental and physical health, and any other medical concerns.

From there, our staff will help determine your best course of treatment.

Using Cigna Insurance to Pay for Rehab

If you are using your Cigna insurance to pay for rehab in the tristate region, the process is relatively simple for you as the patient.

Coverage will vary, as will things like copayment amounts, annual deductibles (which you must pay out-of-pocket before coverage kicks in), and annual out-of-pocket maximums.

It’s always a good idea to visit the online Cigna portal or call the number on the back of your insurance card to learn more about the cost-sharing elements of your plan.

If you’re attending Sunrise House, a staff member will be able to help you figure these things out so that you don’t have to walk through the process alone.

Cost of Drug & Alcohol Rehab in New Jersey with Cigna Insurance

The cost of undergoing drug and alcohol rehab will vary greatly depending on your plan, the length of time of your substance use, and whether your Cigna plan deems a facility like Sunrise House as an in-network provider.

If your insurance plan doesn’t cover the cost of rehab, don’t worry, there are options available to you. Sunrise House treatment Center offers many different ways to cover the cost of addiction treatment.

Addiction and Addiction Treatment in the Northeast U.S.

Substance use disorders affect millions of people; if you’re struggling with addiction, know that you’re not alone.

According to the State of New Jersey, there were 98,628 treatment admissions for substance use disorder treatment in 2019.^{3 (p 1)} Of those who received rehabilitation for their substance use disorder, 38% of them entered treatment as a self-referral.^{3 (p 3)}

As you can see, there is no shame in admitting that you need help to overcome your addiction.

The professionals at Sunrise House Treatment Center, an American Addiction Centers facility, are here to help you overcome your addiction and continue your life on a new path. Contact us to learn more today about our treatment options.

The form below will show if your insurance provider is accepted at Sunrise House or another of American Addiction Centers’ facilities.