Health Insurance – FOR SUBSTANCE ABUSE, DETOX & MENTAL HEALTH ISSUES
CIGNA ADDICTION RESOURCES
Cigna also offers additional support for its members that are struggling with a substance use disorder. They created the Behavioral Health Division to provide their members with resources to further their education.
Resources include articles, podcasts, and tools for those who suffer from substance abuse as well as their loved ones. They also include an educational seminar series to give more information on substance abuse and help.
These resources and seminars are used as informational only and should be used along with help from a doctor. They are not intended to replace the care of a doctor. Always consult with a medical professional about the best course of treatment.
CIGNA MENTAL HEALTH
Drug and alcohol addiction rarely present on their own. Those who seek treatment often have other mental health needs as well. Whether depression, PTSD, anxiety, or others, you may wonder whether Cigna also covers mental health disorders.
Cigna does provide insurance coverage for mental health disorders as well as addiction treatment. Depending on your specific plan, some of the services that Cigna mental health benefits cover in-network include:
- Licensed mental health providers
- Mental health services and follow up case management services
- Referrals to local community support groups, online resources, and behavioral coaches
- Referral services, consultations, outpatient services
Your mental health is as important as your physical health. Cigna understands this, so they do cover many mental health services. However, be sure to check your plan or contact Cigna to see what your policy includes. You may need to receive approval from Cigna before you receive services under your plan.
CIGNA PPO: CAN YOU USE AN OUT-OF-NETWORK TREATMENT CENTER
A concern for Cigna members is whether or not their treatment can be obtained from an out-of-network provider. Whether or not Cigna will cover out-of-network services depends largely on your plan. However, not all policies require your treatment center to be in-network to be covered.
It is important to note that while an out-of-network treatment center may be covered, your out-of-pocket expense does usually increase for services that are not in-network. Some plans don’t cover out-of-network providers. Other policies, though, will include some after a deductible or coinsurance has been met.
The process for using an out-of-network provider usually requires obtaining a pre-certification. Cigna reviews your request for the provider against nationally recognized guidelines. Cigna will then determine what services they will cover for your plan. You can contact Cigna to find out what treatment options are available.
CIGNA BEHAVIORAL HEALTH
Cigna provides options for behavioral and mental health. In many cases, pre-authorization is required. Contact Cigna before receiving services to make sure that they are covered. You can contact a customer service representative on the phone or through myCigna Member Portal.
DOES CIGNA COVER SUBOXONE?
Treatment coverage depends mostly on your individual plan. What that means is that although medication is covered, the percentage that is covered or the deductible due before coverage varies widely.
Cigna insurance does cover a wide range of medication for anti-addiction/substance abuse treatment. Suboxone is a part of their treatment plan and can be covered. Since it is commonly used to treat heroin addiction and reduces withdrawal symptoms, Cigna does cover it.
DOES CIGNA COVER METHADONE TREATMENT?
Methadone is another common treatment to reduce withdrawals. It is used as a pain reliever and is often a part of drug addiction detoxification. Methadone is a treatment covered under Cigna. However, contact Cigna directly to see if it is covered under your specific plan.