Each Cigna insurance policy is different.

The American Medical Association recently changed how addiction is perceived by the healthcare industry, as well as how it’s supported by insurance. The AMA recognized alcoholism and substance addiction as diseases. This step forward in medical classification of substance abuse helped open the door to coverage of addiction treatment by insurance policies, such as Cigna insurance.

The Affordable Care Act and Mental Health Parity and Addiction Equity Act of 2008 further improved addiction treatment coverage by mandating that policies containing coverage of behavioral and mental health conditions must balance those benefits to medical conditions. It was also mandated that pre-existing conditions such as addiction cannot be cause for rejection of coverage by health care insurance providers.

For people who need substance abuse treatment in Florida, they can seek Cigna insurance or coverage from another provider before entering treatment. Under the law, they cannot be rejected from coverage despite already being addicted to drugs or alcohol.

What Cigna Insurance Will Generally Cover

Each Cigna insurance policy is different. What conditions are covered, treatments that may be provided and other factors of coverage can be very different from one person’s policy to another. But most Cigna insurance policies will provide for one or more of the following:

  • Addiction assessment
  • Detoxification
  • Inpatient / residential treatment
  • Outpatient treatment
  • Aftercare therapies

Cigna insurance, like other insurance policies, must balance covered addiction treatment with medical condition treatment coverage under the same policy. But covered conditions must be determined “medically necessary” by a healthcare professional. Therapies and treatment modalities may be considered medically necessary, just as a bed in inpatient treatment would be considered medically necessary. But your insurance may not cover non-essential services such as a private room in a luxury rehab, for example.

Determining Your Cigna Insurance Coverage for Rehab in Florida

The simplest manner of finding out if your Cigna insurance will pay for rehab in Florida is to contact the treatment center and provide your insurance information. They will then determine whether your insurance provides treatment coverage and what that coverage includes.

Another means of determining what your insurance includes for rehab is to contact the member services department at your insurance company. You will need to take notes during the conversation, as there are many details to remember. By doing this, you can gain a clearer perspective of your policy inclusions.

Questions to ask the representative include:

  • What levels of care are covered?
  • Are there specific requirements of in-network and out-of-network providers?
  • What are the percentages of coverage for in-network and out-of-network?
  • What are the copays and deductibles?
  • What is the out-of-pocket maximum?
  • How is medical necessity determined?

If your insurance doesn’t cover most or all of your treatment, the rehab facility may offer other payment options. Those may include payment plans, specialized rehab loans by a third party, or suggestions for other ways to support getting the help you need.

Contact Beaches Recovery for Determination of Your Insurance Coverage

For the easiest means of finding out about your insurance coverage for rehab in Florida, simply contact Beaches Recovery. Admissions counselors are available to accept your insurance policy information. They will then do the footwork for you and help clarify the specific treatment your insurance will cover.

Having insurance opens more doors for recovery than ever before. Call Beaches Recovery now at 866-605-0532 for clarity regarding use of Cigna to pay for the rehab you need.