Massachusetts Center for Addiction

Cigna Coverage for Drug and Alcohol Rehab


Navigating health insurance can be complex, but with Cigna, you’re in luck if you are considering drug rehab. Cigna covers a range of addiction treatment services, including in-network drug rehab centers.

Choosing an in-network rehab that accepts Cigna allows you to make the most of your health insurance plan. By selecting a facility within Cigna’s network, you can receive care at a lower cost, as these providers have pre-negotiated rates with Cigna.

Cigna Insurance Coverage for Drug Rehab

Finding the right drug rehab that accepts Cigna can be challenging. This is especially true when you are unsure about your insurance coverage. With Cigna Health Insurance, you will have peace of mind knowing that many drug rehab programs and services are covered. Here’s what you can expect from Cigna’s coverage for drug rehab.

Cigna offers support for various treatment options, depending on your specific needs. For example, they cover inpatient and outpatient treatment for substance use disorder. When someone goes to an inpatient facility, they receive medical and clinical care 24 hours a day. Inpatient treatment is recommended for more severe cases.

Outpatient programs may work best for individuals with a less severe condition, who have just finished inpatient treatment, or who have a supportive home environment. The choice between the two will depend on factors such as the severity of the substance use disorder and your mental health.

Some of the benefits covered by Cigna Insurance for drug rehab may include:

Keep in mind, though, that while Cigna does cover drug rehab, the extent of your coverage may vary based on your specific insurance plan.

Cigna Coverage Tiers and Drug Rehab

Knowing about these tiers is important for making well-informed choices about your treatment, helping you get the most out of your benefits and the highest quality care. Let’s dive into the details of Cigna’s rehab coverage tiers.

Preferred Provider Organization (PPO)

With a Cigna PPO plan, you have the flexibility to see any in-network provider without needing a referral. This means you can access drug rehab facilities that are part of Cigna’s network. Typically, PPO plans have higher monthly premiums but offer a greater degree of choice when it comes to selecting addiction treatment providers.

Health Maintenance Organization (HMO)

With an HMO plan, you must select a primary care physician (PCP) from the Cigna network. This doctor coordinates your healthcare and refers you to specialists, such as a Cigna alcohol rehab center. HMO plans usually have lower monthly premiums, but you’ll need to ensure the drug rehab center you choose is within the Cigna network.

Exclusive Provider Organization (EPO)

Cigna’s EPO plans function similarly to HMO plans because you can only access in-network providers. However, you don’t need a referral from a PCP to see a specialist or drug rehab facility. While monthly premiums might be higher compared to HMO plans, the flexibility to access in-network drug rehab centers directly can be beneficial for your treatment journey.

Open Access Plan

The Open Access Plan (OAP) combines features of both PPO and HMO plans. You can choose any in-network provider as with a PPO plan, and a PCP is not required for specialist referrals. For drug rehab, this means you have more freedom in selecting a facility that fits your needs while still benefiting from Cigna’s coverage. This plan usually has moderate monthly premiums compared to PPO and HMO plans.

Make sure to verify with your Cigna plan to understand the coverage levels for drug rehab treatments and confirm that your chosen facility is within the Cigna network. Your coverage and out-of-pocket costs may vary based on your plan and the type of drug rehab services required.

In-network Vs. Out-of-network Rehab Facilities

It’s essential to know the difference between in-network and out-of-network rehab facilities as you plan your treatment.

In-network Rehabs

In-network facilities have agreements with Cigna. This allows for lower costs and more coverage for your treatment.

This also means your out-of-pocket expenses will generally be less. The process of receiving care may be more straightforward as these facilities are more familiar with Cigna’s policies and procedures.

Out-of-network Rehab

On the other hand, out-of-network facilities do not have agreements with Cigna. This typically leads to higher costs and potentially less coverage. However, you still have the option to choose an out-of-network facility that best fits your needs. Cigna may still cover a large portion of the expenses.

Be sure to verify your coverage levels with Cigna before committing to a rehab facility. Don’t hesitate to contact our admissions coordinators for any clarification or assistance with your policy.

Co-pays, Deductibles, and Drug Rehab Costs

When you’re considering in-network drug rehab with Cigna health insurance, you need to understand how co-pays, deductibles, and other costs might affect your overall expenses. Let’s dive into these aspects to help you get a clearer picture.


A co-pay is a fixed amount you pay for a specific service or treatment. In the case of drug rehab, this could include therapy sessions, doctor visits, or other treatments. Your Cigna insurance plan will likely have a set co-pay for various services. Remember that co-pays can add up over time, so you should take them into account when budgeting for rehab.


A deductible is the amount you need to pay for health care services before your insurance starts to cover costs. Depending on your Cigna insurance plan, you might have a deductible that applies to drug rehab services. Be sure to check your policy for the amount and whether it must be met before coverage kicks in.

Out-of-pocket expenses

These costs cover what you pay outside of your health insurance coverage. This can include anything not covered by your Cigna plan or costs that exceed your coverage limits. For instance, if your plan only covers a certain number of therapy sessions, you’ll need to pay out of pocket for any additional sessions.

To better understand your financial responsibility, consider the following factors related to drug rehab costs:

  • Level of care: Depending on the severity of your addiction and your needs, the type of care you require can vary. For instance, inpatient or residential treatment tends to be more expensive than outpatient programs. Discuss your needs with your treatment provider and insurer to determine the most cost-effective option.
  • Length of treatment: The duration of your drug rehab program can impact your expenses. Longer programs typically cost more but might be necessary for optimal recovery. You should balance potential costs with the benefits of a comprehensive treatment plan.
  • Coverage limitations: Review your Cigna insurance policy to understand any limitations or exclusions related to drug rehab. This might include restrictions on certain types of care or maximum coverage amounts.

Although it can be challenging to navigate the expenses associated with drug rehab, understanding co-pays, deductibles, and other costs helps. By familiarizing yourself with these factors and discussing your options with your healthcare provider and insurance company, you’ll be better prepared to make informed decisions about your recovery journey.

Outpatient Treatment Options with Cigna Insurance

Cigna offers coverage for several outpatient treatment options for substance use disorders. These programs provide a structured and supportive environment for you to continue your healing journey while maintaining your daily routines.

One popular outpatient treatment option covered by Cigna is Partial Hospitalization. This program combines the intensity of inpatient rehab with the freedom of outpatient care. It allows you to receive medical support and therapy during the day and return home in the evening.

Cigna insurance may cover various other outpatient services, such as individual and group therapy sessions, family counseling, and medication-assisted treatment. These services can be instrumental in addressing the mental and emotional aspects of recovery.

Consult your Cigna representative and healthcare provider to find the right outpatient treatment for you. They can help you determine which programs your specific insurance plan covers and guide you toward a rehab center that accepts Cigna.

Verify Your Coverage with the Massachusetts Center for Addiction

If you have Cigna health insurance and are considering drug rehab, let us verify your coverage. The Massachusetts Center for Addiction can help you understand your insurance benefits and available treatment options.

To verify your coverage with the Massachusetts Center for Addiction, you can call their admissions coordinators or fill out a confidential insurance verification form. By completing and submitting this form, the admissions team can review your insurance coverage, inform you about any possible costs, and help get you approved for treatment.

Taking the time to verify your coverage with the Massachusetts Center for Addiction will help ease your stress and allow you to focus on what’s most important: your health and well-being.