Get In-Network Cigna Drug Rehab Programs at South Shores
If you are searching for rehab help using your Cigna benefits, you likely already know that addiction treatment through a qualified treatment center is one of the most effective methods of overcoming a substance use disorder. However, you may also know that it can be expensive if you don’t have appropriate insurance coverage.
As South Shores, we believe your ability to get help for an addiction shouldn’t be limited by your ability to pay. Fortunately, insurance providers like Cigna make it easier to attend a drug rehab without worrying about the cost of treatment. We are proud to be a leader among rehabs in California that take Cigna insurance to help offset (or eliminate completely) the cost of getting support.
South Shores Detox works with Cigna and many other insurance providers to get you the help you need. They provide a wide range of treatment programs for multiple substance use disorders and mental health conditions, giving you the chance to get clean and stay sober.
If you have Cigna health insurance, keep reading to learn why you should choose South Shores Detox for your cost-effective substance use disorder treatment.
Why Is California A Premier Rehab Destination?
California, along with Florida, is often thought of as the rehab capital of the United States. It’s the most populated state in the country, so the demand for effective drug rehab treatment is high. Plus, California also provides one of the best environments for recovery. Bright, sunny days, warm weather, plentiful treatment options, diverse culture, a wide range of outdoor activities, and a robust recovery community help put you in the best position to succeed.
Whether you’re a local or out-of-state, high-quality addiction treatment centers in California, like South Shores Detox, should be at the top of your destination list.
Addiction’s Impact in California
In California, around 9% of people over 12 and one in six people between 18-25 suffer from a substance use disorder. California’s close proximity to the Mexican border increases accessibility for drug cartels who are bringing illicit and illegal drugs like heroin and methamphetamine into the state, which contributes to increased drug use. California also has some of the most commonly traveled coastal roadways that make it easy to move drugs throughout the state.
California also lends itself to a drug-heavy culture. The high-stress, high-earning lifestyle shared by people in major cities like Los Angeles and San Francisco increases the demand for drugs like cocaine, methamphetamine, and other substances that can make addiction more likely. It can also lead to iillicit drug abuse with stimulants and other performance enhancers that are used to meet the demanding lifestyle.
Should You Travel to California for Rehab?
California is often a great choice if you’re looking for drug rehab centers. You can find specialized care, enjoy a healing environment, and benefit from the prominent recovery community. However, if you’re not from California, you’ll have to decide if it’s worthwhile to travel for substance abuse treatment.
Evaluate Your Insurance Coverage
The most important consideration is your insurance coverage benefits for rehab. In most cases, your insurance benefits, the amount your plan pays towards treatment, will be better for in-network providers. These healthcare providers are contracted with your insurance to provide discounted services that save you money on your copays and coinsurance.
Before you consider traveling to California with your Cigna insurance, ensure your residential treatment center is in your network, and, in many cases, South Shores is!
Consider Your Treatment Type and Duration
When choosing a rehab, you should consider how long you’ll be in treatment and what type of treatment you’ll be receiving. Traveling to another state for outpatient services isn’t usually worth it, but inpatient care in a serene environment like California can be worthwhile if it aids in your recovery.
Ongoing care is also important to account for, as California’s sober living community is one of the biggest benefits of your continued recovery. If you’re not able to stay in a sober living home or remain local to the area after rehab to receive follow-up care, the community isn’t as valuable to you.
What Is Cigna Insurance?
Cigna Insurance is a global health services company providing health insurance in the United States to around 20 million Americans in twelve states, including California. Their plans are available independently, as part of an employer health plan, or through the Healthcare Insurance Marketplace.
What Can You Use Cigna Health Insurance For?
Cigna insurance coverage spans most aspects of your overall health, including physical and mental health, to help you live a healthier life.
Medical Treatment
If you’re in an accident, catch the flu, or need emergency surgery, Cigna’s medical treatment coverage will help you pay for care. Your doctor’s visits, tests, and procedures are all covered as long as they’re conducted by in-network providers and deemed medically necessary. However, you may have to reach a deductible first before coverage begins.
Mental Health Treatment
Depression, anxiety, and PTSD are all conditions that would fall under mental health treatment. Your psychiatrist and therapist appointments are covered under mental health services, which must be provided as part of the Affordable Care Act (ACA).
Behavioral Health Treatment
Behavioral health is similar to mental health, but it also involves the physical side of these conditions. Addiction treatment like rehab for substance use disorders would fall under behavioral health, which is also covered by Cigna through the Affordable Care Act.
Prescription Coverage
Medications are prescribed as part of both physical and mental health treatments. Prescription drug coverage can sometimes be a separate plan, especially when you need coverage for specialty drugs, but Cigna will cover many common drugs or their generic equivalents.
Do All Cigna Plans Cover Addiction Treatment?
Addiction treatment is a crucial element of mental and behavioral health. Coverage for these services is considered an essential health benefit, which, according to the Affordable Care Act, must be provided if a plan offers coverage through the Healthcare Insurance Marketplace. So, publicly available Cigna insurance plans must cover addiction treatment to some extent. However, the level of coverage can vary depending on the plan you have.
What Conditions Can A Cigna Insurance Rehab Address?
Cigna’s coverage of substance abuse treatment programs means you can get help with a number of substance-based or mental health disorders.
Cigna rehab coverage would be able to help with:
- Alcohol abuse
- Drug abuse
- Post-traumatic stress disorder
- Depression
- Anxiety disorders
- Eating disorders
- Anger management
Many addiction treatment centers, and South Shores is a specialist in this area, also treat mental illness to provide a more comprehensive rehabilitation that addresses underlying conditions that contribute to addiction, including dual-diagnosis programs.
What Kind of Plans Does Cigna Offer?
Your insurance plan dictates where you can go for rehab, what kind of treatment you can receive, and how much it will cost. Some plans give you a wider range of doctors and treatment centers that you can choose from, but you’ll need to pay more to use them. Other plans will give you a limited list of providers you can use, but you’ll pay less when using them.
Cigna PPO vs Cigna HMO
A Cigna preferred provider organization, or PPO, is a type of insurance plan that offers significant coverage for its network but also covers a limited portion of out-of-network providers to give you more options. For example, your coinsurance for rehab may be 25% at an in-network treatment center like South Shores Detox, but a non-Cigna provider is only covered for 25% or 50% of the cost.
Cigna home maintenance organizations (HMOs) are network-only insurance plans that cost you less to hold and have lower copays and coinsurance rates. You’ll have to use an in-network provider if you want your treatment to be covered, so it’s important to call your preferred rehab to see if they’re in your Cigna network.
Tiers of Health Insurance Plans
When searching for medical insurance plans, especially on the Healthcare Insurance Marketplace, you may come across different metallic tiers of plans. Bronze, silver, gold, and platinum are the most commonly used levels, each indicating a coverage level and plan cost.
Lower tiers like bronze and silver will cost less to enroll in, but they’ll have higher out-of-pocket costs for coinsurance, prescription coverage, and more. Silver plans are also generally the only tier that qualifies for income-based credits toward your insurance premium, known as a premium tax credit.
Gold and platinum plans have higher premiums but cover more services at higher rates to help save you money if your healthcare costs are high. You may only have to pay 10% of your treatment costs with a gold or platinum plan instead of 40% with silver, but you’ll have to pay much higher premiums for that coverage.
What Elements of Drug Rehab Does Cigna Cover?
Healthcare insurance plans that cover essential health benefits are required to provide coverage for addiction treatment services. The right form of treatment for you will depend on the type and severity of your addiction, which will be determined by your healthcare team. However, in most cases, your care will be covered to a certain extent for these different rehab programs.
Medical Detox
Medical detox is often the first step of the addiction treatment process. If you’re suffering from a substance use disorder like heroin, alcohol, or benzodiazepine addiction, abruptly stopping use can cause uncomfortable and even dangerous side effects.
During your medical detox, you’ll be monitored for withdrawal effects and receive medication-assisted treatment to keep you comfortable and safe. Drugs like Suboxone or methadone may be used to curb opioid withdrawal, while drugs like lorazepam may be used to prevent delirium tremens during alcohol withdrawal.
Inpatient Program
Inpatient rehab is the most intensive form of substance abuse or mental health treatment. As part of an inpatient program, you’ll live at the treatment facility for the length of your treatment so that you have an optimal environment for your recovery, and your care team can help make sure you’re transitioning to sobriety effectively.
Inpatient programs are the most costly because of the additional services you require, including food, housing, and daily care. As a result, some insurance plans will try to limit the amount of time that you can stay in an inpatient program, but many will provide treatment plans up to 90 days if medically necessary.
Outpatient Programs
Outpatient and intensive outpatient (IOP) programs are similar to inpatient programs, but you don’t live at the treatment facility.
Intensive outpatient is the more demanding program, which often requires you to attend treatment for a certain amount of time or for a specific number of days each week. You may attend group therapy, receive individual counseling from a therapist, or meet with a psychiatrist for medication management according to your treatment plan. IOP is generally more expensive than outpatient programs but less expensive than inpatient programs.
Outpatient doesn’t usually have attendance requirements. Instead, you go to the residential treatment center as needed to attend meetings or therapy. It’s the cheapest form of substance abuse rehab and outpatient therapy visits usually only cost your copay or coinsurance rate.
How Much Will Rehab Cost with Cigna Health Insurance?
After making the conscious decision to get help with your mental health condition or addiction, the cost of rehab is the second most significant limiting factor. Knowing how much treatment will cost can help you choose the right addiction treatment facility and prepare your finances accordingly.
How to Estimate Costs at Rehabs in California that Take Cigna
Addiction treatment costs can be hard to pinpoint due to differences in treatment length, required medications, and other costs associated with detox and inpatient services.
The best way to estimate your treatment costs is to call us at South Shores and provide your insurance information for verification so they can tell you what your benefits are.
Do I Need Prior Authorization for Addiction Treatment?
Prior authorization is a practice that insurance providers use to manage the care that they cover. They ensure that the treatment is medically necessary and clinically appropriate before they’ll cover the services you need.
Some imaging scans, like CAT or PET scans, may need prior authorization as well as surgeries. Rehab can also require prior authorization, depending on your health insurance company, insurance plan, addiction treatment plan, and care provider.
California isn’t one of the 21 states that have laws in place that prohibit prior authorization requests for interventional rehab, so you may need prior authorization to have coverage. Your addiction treatment center can check your requirements before you enter a treatment program.
How to Pay for Rehab If Insurance Won’t
If you don’t have sufficient insurance benefits or you want to seek treatment from out-of-network providers, you’ll have to find an alternative payment method for any additional costs.
If you need additional assistance, grants and financial assistance can help you pay for care. In some cases, South Shores may also be able to offer self-pay discounts to make help more accessible.
Get Cigna-Friendly Treatment in California at South Shores!
We understand that navigating the world of health insurance can be difficult and confusing – especially when you’re trying to get help with a substance abuse disorder or mental health condition. Rest assured, we can and will help you get the care you (or your loved one) deserve.
If you have Cigna health insurance, you can access our services at South Shores Detox in California, likely at little to no out-of-pocket cost.
South Shores Detox is a complete addiction and mental health treatment center serving Californians and clients from other states. We are in-network for Cigna and many other providers, making effective help accessible and affordable. They offer inpatient, outpatient, and intensive outpatient programs along with detox to get you prepared for sobriety safely.
Don’t let concerns about insurance coverage and treatment costs stop you from seeking help. Reach out to our caring Admissions team today to learn more about how we can help you!
References
- https://www.samhsa.gov/data/report/2018-2019-nsduh-state-specific-tables
- https://www.justice.gov/archive/ndic/pubs/653/overview.htm#:~:text=California%27s%20extensive%20coastline%20and%20border,are%20extensively%20traveled%20coastal%20roadways.
- https://www.hhs.gov/answers/health-insurance-reform/does-the-aca-cover-individuals-with-mental-health-problems/index.html
- https://www.healthcare.gov/glossary/generic-drugs/#:~:text=A%20prescription%20drug%20that%20has,effective%20as%20brand-name%20drugs.
- https://www.healthcare.gov/glossary/premium-tax-credit/#:~:text=A%20tax%20credit%20you%20can,put%20on%20your%20Marketplace%20application.