Best Rehabs Accepting Cigna in Chicago

Rehab that Accepts Cigna

Cigna is one of the largest health insurance providers in the United States, and many drug and alcohol rehab centers accept Cigna insurance . Cigna also covers primary mental health treatment.

About Cigna

Cigna began as a marine insurance company, the first in the United States, and now serves millions of Americans across the nation and globally. Cigna offers employer-sponsored health plans, health plans for government employees, international coverage, individual and family plans, and Medicare plans. 

 Cigna Plan Options

Like most health insurance companies, Cigna offers coverage for substance abuse treatment . This can include inpatient and outpatient treatment, counseling, and medication-assisted treatment. 

The specific details of Cigna's substance abuse coverage will depend on your plan. You can contact Cigna directly or look at your plan's coverage details online to learn more about what services it covers.

Cigna additionally offers supplemental and dental plans. 

• Bronze plans—These plans have lower premiums but the highest deductibles, resulting in higher out-of-pocket expenses. Cigna covers about 60% of the cost of care services after the deductible is met.
• Silver plans—These plans cost more in premiums but have lower deductibles and lower out-of-pocket expenses than bronze plans. Cigna pays about 70% of the cost of care services after the deductible is met.
• Gold plans—These plans have high premiums and low deductibles and will have low out-of-pocket expenses. Cigna pays about 80% of the cost of care after the deductible is met.
• Platinum plans—Cigna covers up to 90% of costs but with a high monthly payment for premiums. Platinum plans’ deductibles and out-of-pocket expenses are the lowest.

Cigna provides their plan members pharmacy coverage for prescribed medications ($3 or less for generic prescription drugs), $0 preventative care, and $0 virtual care available 24/7. Members can also earn and cash out rewards for building healthy habits.

 Cigna and Medicare

Cigna Medicare plans are alternatives to Original Medicare, which is the federal health insurance program for people 65 or older and with certain disabilities. Cigna Medicare Advantage plans provide the same benefits as Original Medicare, but often with additional benefits, such as vision, hearing, and dental coverage. Cigna also offers Medicare Supplement and Medicare PDP (Part D) plans, which can be used to help cover the costs not covered by Original Medicare. 

The specifics of what is covered by Cigna Medicare plans will vary depending on the plan you have and the state you live in. To learn more about what’s covered, you can look at your plan's coverage details or contact Cigna directly .

 Addiction Treatment Options

 Cigna for Medical Detox

Cigna typically covers medically supervised detox programs, which involve the use of medication and other treatments to help people manage the physical and emotional symptoms of withdrawal from drugs or alcohol. In some cases, Cigna may also cover the cost of inpatient or residential detox programs, which provide more intensive care and support.

Cigna and Medically-Assisted Treatment:

MAT is a form of rehab that combines medication with therapy to help those recovering from addiction. Cigna insurance covers many forms of MAT, including methadone and buprenorphine.

 Cigna Coverage for Residential Treatment

Inpatient treatment is the most intensive form of rehab , and it typically involves staying at the center for several weeks or months. Inpatient treatment is ideal for those with severe addiction or mental health issues. Your Cigna insurance plan may cover a significant portion of treatment costs; check with a Cigna representative to see how much.