Getting coverage through Cigna substance abuse insurance is one of the most crucial aspects of rehab for teens. Having a child addicted to drugs is stressful enough, and the financial costs of treatment can become overwhelming for parents. Detox, special inpatient programs, and ongoing psychiatric care are often necessary, but they aren’t cheap. If your teenage child is struggling with drugs or alcohol, you need to understand how to get quality, affordable care through Cigna drug rehab insurance.
Addiction affects people of all demographics, but teens suffer in unique ways. They often succumb to peer pressure and begin using substances they didn’t even want to try in the first place. Without careers, families, or other major responsibilities, they may develop addictions merely to fit in to a certain crowd with whom they identify.
Teen addicts also suffer from a variety of co-occurring mental issues such as depression, anxiety, and avoidant personality disorder. Their fluctuating hormones and moods compound these problems, making it extremely difficult to avoid self-medication.
Overall, teen drug abuse can have disastrous effects on entire families. Drug-using teens’ reckless behaviors can lead to fines and legal fees – costs which are often passed on to their relatives. Parents may have to miss work or leave their jobs to care for their addicted children, leading to even more financial hardship. Worst of all, teens with drug problems are more likely to commit homicide and suicide – acts which are devastating to everyone they know.
Not all Cigna insurance providers will cover long-term treatments, but most will fund medical detox procedures. This is because drug dependency is a health risk that most companies will have to take seriously – even if they are less willing to pay for important therapies and classes. Detox usually last one to two weeks, and teens who complete it gain greater abilities to handle their cravings. However, most will still need counseling to change their behaviors and avoid relapse.
Boarding Schools for Rehab
Inpatient care is the most intensive and effective program for drug rehab. However, teens often need special facilities that will allow them to continue their schooling and attend group therapies with their peers. Instead of attending normal inpatient centers, they can go to boarding school where they receive daily addiction therapies along with high school classes.
To find out whether your family is covered for treatment at these centers, you’ll need to consult your Cigna insurance agent and relevant state laws. If you get your insurance from your employer, you will also need to find out whether their mental health benefits extend to long-term drug rehab programs. Finally, different states have different requirements for health parity – the equal insurance considerations for medical and psychological disorders.
Coverage for Co-Occurring Disorders
Even if your Cigna provider won’t specifically cover long-term addiction therapies, they may be obligated to pay for rehab for mental disorders. If your teen has a demonstrable history of mental illness – a condition made worse by drug addiction – then you may still qualify for treatment at an integrated care center. While you might not be able to get your teen enrolled in a rehabilitative boarding school, at least some form of supervised inpatient therapy is better than going without.
Having an addicted teen can be devastating, but there are a variety of ways to pay for effective rehabilitation. Fill out the insurance verification form below with your Cigna insurance information, and find out more about the substance abuse insurance options available to you.