WHAT YOU NEED TO KNOW

• Under the Affordable Care Act, Cigna is required to cover drug and alcohol treatment, including detox and rehab, as an essential health benefit
• Most Cigna plans cover treatment for substances such as alcohol, benzodiazepines, cocaine, narcotics, sedatives, and more, though exact coverage varies by plan
• Marketplace plans come in Bronze, Silver, and Gold tiers, which trade off monthly premiums against out-of-pocket costs
• American Addiction Centers is in-network with Cigna; call or verify your benefits online, available 24/7

Cigna Insurance Coverage for Rehab and Detox

Cigna offers plans with coverage for drug and alcohol treatment, including detox and rehab. Under the Affordable Care Act (ACA), addiction treatment services must be covered by Cigna and other insurers as an essential health benefit. 

The exact coverage for these services often varies by plan, so it is always worth checking your benefits first.

What Substance Use Treatments Do Cigna Plans Cover?

While you should always check with Cigna before using your benefits.  Most Cigna plans provide some level of coverage for varying forms of detox and rehab treatment programs for substances such as:

• Alcohol
• Amphetamines
• Antidepressants
• Antipsychotics
• Benzodiazepines
• Cocaine
• Marijuana
• Narcotics
• Sedatives

How to Use Your Cigna Plan for Rehab

Although insurance providers are all required to cover substance use treatment, exact coverage varies. To be sure you are minimizing your out-of-pocket expenses when you pay for rehab with your cigna plan, your first step should be verifying your plan’s coverage.

First, you can check your Cigna coverage online. Cigna has a website where you can create an account and access your plan details. This account allows you to check your benefits, find in-network rehab providers, and estimate any out-of-pocket costs.

Alternatively, rehab providers often operate detox hotlines that allow you to verify our coverage and out-of-pocket costs instantly. However, You may still want to verify with Cigna directly for the best explanation of your benefits.

Types of Cigna Insurance Plans

Cigna offers rehab providers that are in-network to help save you money when accessing care. Insurance plans through Cigna are available in three tiers:^{3, 4, 5, 6, 7, 8, 9, 10, 11, 12}

• Bronze plans have the lowest premiums, but the highest out-of-pocket costs, deductibles, and co-pays. These plans are best for people who can’t afford high premiums or don’t go to the doctor frequently.
• Silver plans have higher premiums than bronze plans, but lower out-of-pocket costs, deductibles, and co-pays. These plans are best for people with families or those who go to the doctor regularly.
• Gold plans have the highest premiums but the lowest out-of-pocket costs, deductibles, and co-pays. These plans are best for people who visit the doctor often, have a chronic illness and are prescribed several medications.

How to Find Rehabs That Accept Cigna

Cigna insurance plans are currently offered in the following 10 states: Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia. Although coverage is offered in these states, plans & benefits can vary depending on where you live. ²

Online therapy covered by Cigna is available in most states as well. This includes the above-mentioned state of,  Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia.