Many addicts and alcoholics across the country chose Cigna insurance for rehab. Cigna is a supporter of care and treatment for mental illnesses, including substance abuse and other biological mental disorders. However, just because Cigna offers these services through various plan types, you may not have access to the care you require. Here are a few things you should think about when choosing your insurance plan with Cigna.
Are Clinics and Rehab Facilities Covered by Cigna Insurance?
The short answer is: probably. Depending on your insurance sponsor, you will most like have access to hospitals, clinics, psychiatrists and doctors, outpatient treatments and pharmacies. For many, the biggest choice you have is between getting an HMO or a PPO.
In a Health Maintenance Organization, you must declare a primary care physician who can refer you to more specialized doctors or facilities. Once you get a referral, your admittance into a hospital or detox/rehab center is usually easy. However, since an HMO is the economical choice of healthcare networks, there may not be a reputable facilities close by that you can go to. In that case, your HMO will pay for your out-of-network rehab costs.
In a Preferred Provider Organization, you aren’t required to declare a primary care physician, but you are often required to get prior authorization on expensive medical procedures (like MRIs or residential care). This is a viable option for many long-term addicts, as a PPO will open your options for total-immersion therapies like hospitalization or residential care through Cigna insurance for rehab.
What If Your Employer Doesn’t Provide Coverage?
The Mental Health Parity and Addiction Equity Act has provided exemptions for certain companies to opt-out of having to supply behavioral therapy coverage in addition to standard physical medical and surgical coverage. If your company has between 2 and 50 employees, you’re probably not covered. If your company has a self-funded insurance plan, it can opt-out of regulations. Also, if your company would incur a 2% cost increase in the first year of providing this coverage, they can opt-out for that year (but must comply later, unless they’re fully-funded or employ fewer than 50 people).
In these cases, you may have to seek individual coverage for help with your rehab or detox. While the extra cost is often burdensome, it’s a cheaper path than paying your way through rehabilitation facilities or detox programs without insurance of any kind. Of course, there are supplemental insurance options you can look into that may help ease your burden.
Find The Right Plan For You
Keep in mind you will most likely have to choose plan specifics, regardless of what network option you choose. With deductibles, co-pays, out-of-network visitations and even prescription options, it’s easy to get overwhelmed.
But there is help. Finding coverage can be extremely confusing, and it may take a long time to iron out all the details. For assistance, and to get more information about your options with Cigna insurance for rehab, fill out the this easy form.