Alcohol Rehab Centers That Accept Cigna Insurance

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Cigna offers a broad spectrum of coverage options for seeking help for an alcohol use disorder. Each plan will vary in the amount of coverage and treatments that are covered.

Alcohol Rehabs That Accept Cigna Insurance


Paying for alcohol addiction treatment doesn’t have to be a daunting task. There are many affordable options available, with private insurance being the most common. Cigna is a private health insurance company that offers coverage for a broad range of alcohol addiction treatment services.

Cigna is a global healthcare provider that proudly serves more than 95 million individuals around the world. They offer 24/7 support and customer service and work hard to help customers reach their health goals.

As one of the leading private insurance companies in the nation, Cigna has an extensive network of healthcare providers that specialize in behavioral disorders, such as addiction. As a result, Cigna is able to provide comprehensive coverage for a wide variety of treatment services and programs for alcohol abuse and addiction.

Using Cigna Insurance Plans For Alcohol Addiction Treatment

As with any insurance company, the type of plan that you have will largely determine how much you will pay out of pocket for alcohol addiction treatment. The following is a broad overview of the different plans available with Cigna.

Cigna Insurance Plans for Alcohol Rehab Programs

Cigna Connect HSA Bronze 5500

Yearly Deductible: $5,500
Yearly Out-of-Pocket Maximum: $6,650
In-Network Copay: 30 percent coinsurance after deductible for medical services has been met
Out-Of-Network Services: Not covered

Cigna Connect Flex Silver 3500

Yearly Deductible: $800
Yearly Out-of-Pocket Maximum: $2,350
In-Network Copays: $5 to 50 percent coinsurance after the deductible is met for medications, and $15 to five percent after coinsurance for medical visits is met
Out-Of-Network Services: Not covered

Cigna Connect Flex Gold 1300

Yearly Deductible: $1,300
Yearly Out-of-Pocket Maximum: $7,350
In-Network Copays: $5 to $500 for medications, no charge to 20 percent after deductible for medical services is met
Out-Of-Network Services: Not covered

Also, knowing what your copay is for treatment and medical services is important as well. For example, if your copay is 20 percent and you attend a rehab facility that costs $10,000, you may be required to pay $2,000 out of pocket for treatment.

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Regardless of which Cigna plan you choose, you can rest easy knowing that you will receive coverage even if you have a pre-existing condition (such as alcohol addiction) at the time. This is thanks to the Affordable Care Act, which prohibits insurance companies from turning away individuals for pre-existing conditions. Additionally, all Cigna insurance plans will cover at least part of alcohol addiction treatment as a result of the 2008 Mental Health Parity and Addiction Equity Act.

Rehab Treatment Programs Covered With Cigna Insurance

Cigna plans cover many aspects of treatment for alcohol abuse and addiction. What is covered and the amount covered will vary from plan to plan. Understanding your plan is key to getting the most coverage for alcohol addiction treatment. For example, if your plan does not cover out-of-network services, it’s best to seek an in-network provider to avoid paying excessive out-of-pocket fees.

Medically Supervised Detox

Many people addicted to alcohol will need to attend a medically supervised alcohol detox program before beginning any other form of treatment. This is because withdrawing from alcohol can be incredibly uncomfortable as well as potentially dangerous.

All Cigna plans cover medically supervised detox programs. However, each plan will vary in how much it covers. For example, the Bronze plan will cover 70 percent of treatment services as long as the provider is in-network, leaving you with 30 percent of out-of-pocket expenses.

Cigna Insurance_Example Plan for Alcohol detox

Residential Alcohol Treatment Programs

Patients with a more severe form of alcohol addiction may be recommended to attend inpatient alcohol addiction treatment. Residential alcohol treatment programs are covered under most Cigna plans. Residential programs typically last between 30 and 90 days, but the exact length of time a patient will spend in treatment will depend on his or her condition.

Each inpatient treatment facility will vary in terms of prices. As a result, if you choose a residential treatment center that is more expensive, you will likely pay a higher out-of-pocket cost. For example, if a rehab center costs $20,000 for treatment and your Cigna plan will cover 80 percent of this, you will be required to pay 20 percent, of $4,000.

Outpatient Alcohol Addiction Treatment Services

All Cigna plans cover at least some of the costs for outpatient alcohol addiction treatment programs. This type of addiction treatment is best for those who cannot get away from work, school, or family for several weeks or those with a more mild alcohol use disorder. Outpatient treatment programs allow individuals to receive treatment while still attending school or going to work and returning home in the evenings.

Each outpatient program varies in the level of intensity it provides. For example, a partial hospitalization program (PHP) is extremely structured and requires patients to attend treatment every day for several hours each day. An intensive outpatient program (IOP) is slightly less structured, requiring patients to attend treatment several times a week for a few hours each day.

Most Cigna plans will cover some or all of outpatient treatment programs. Many plans will require you to pay a copay or a certain percentage of treatment, and Cigna will pay the rest.

Getting The Most Out Of Your Cigna Insurance Plan

If you have Cigna, know that you have access to coverage for an alcohol use disorder. While each plan is different, all plans provide some level of coverage for treatment programs. Becoming familiar with your plan can ensure you get the most of your Cigna insurance and get on the way to recovery from alcohol addiction.

To learn more about using Cigna insurance for alcohol addiction treatment, contact us today.

* Disclaimer: is not affiliated with or endorsed by Cigna Insurance. Details about Cigna’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered.


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