You don’t have to face the journey to recovery alone. Finding an addiction treatment program that accepts Cigna can remove a major barrier—the worry about cost—so you can focus on healing. Whether you’re seeking help for alcohol misuse, opioid dependence, stimulants, benzodiazepines or polysubstance challenges, understanding how Cigna supports your care is the first step toward lasting change. In addition to covering detoxification, residential treatment and outpatient services, Cigna offers resources like case management and 24/7 support hotlines to guide you through each level of care [1]. By knowing your benefits, choosing in-network providers and planning for aftercare, you’ll set the stage for a recovery path tailored to your needs.
Understand Cigna coverage
Getting clear on what Cigna covers helps you narrow down options and avoid unexpected bills. Coverage hinges on two factors: your specific plan type and the medical necessity for treatment.
Covered services overview
- Medical detoxification to manage withdrawal safely
- Residential inpatient programs for structured, round-the-clock care
- Partial hospitalization (PHP) and intensive outpatient programs (IOP)
- Standard outpatient care including group therapy, individual counseling and 12-step support
- Medication-assisted treatment (MAT) for opioid or alcohol use disorders
According to Cigna, services are approved when a clinical assessment determines they are necessary to treat your substance use disorder. Coverage also extends to co-occurring mental health services, ensuring a comprehensive approach.
Plan variations and benefits
Cigna plans come in several models, each with different out-of-pocket costs and network rules:
| Plan type | In-network costs | Out-of-network costs | Referral requirements |
|---|---|---|---|
| HMO | Lower copays and coinsurance | Generally not covered | Primary care referral needed |
| PPO | Moderate copays and coinsurance | Partial coverage | No referral needed |
| EPO | Similar to PPO in-network | Not covered | No referral needed |
| POS | Moderate copays | Partial coverage | Referral may be needed |
By choosing an in-network provider, you’ll minimize your expenses. In addition, some plans require you to meet a deductible before benefits apply.
Explore treatment levels
Cigna organizes care by level, based on the intensity of services you need. Each step builds on the last, helping you transition smoothly from crisis to sustained recovery.
Detoxification and medical support
- Acute detox centers provide round-the-clock monitoring.
- Medical staff manage withdrawal symptoms with medications and supportive care.
- Cigna typically covers medically supervised detox if it’s deemed necessary by a clinician.
Residential and inpatient care
- Inpatient programs offer structured therapy, peer support and medical supervision 24/7.
- Length of stay varies from 7 to 30 days or longer, based on your progress and plan limits.
- You’ll participate in individual counseling, group therapy and holistic activities like yoga or mindfulness.
Outpatient and step down
- Partial hospitalization (PHP) involves daily treatment sessions while you return home each evening.
- Intensive outpatient (IOP) offers evening and weekend therapy, ideal if you have work or family commitments.
- Standard outpatient care includes weekly or biweekly individual therapy, group sessions and support groups.
Table: Levels of care at a glance
| Level of care | Setting | Typical schedule |
|---|---|---|
| Medical detox | Inpatient | 24/7 medical monitoring |
| Residential inpatient | Inpatient | Full-time therapy and activities |
| Partial hospitalization (PHP) | Hospital-like facility | 4–6 hours per day, 5 days/week |
| Intensive outpatient (IOP) | Clinic or community center | 3–4 hours per session, 3–5 days/week |
| Standard outpatient | Clinic or telehealth | 1–2 hours per session, 1–3 times/week |
Identify in-network providers
Choosing a facility that partners with Cigna ensures you benefit from the negotiated rates and streamlined authorizations.
Recreate Behavioral Health of Ohio
Recreate Behavioral Health of Ohio is in-network with Cigna for core services including inpatient medical detox and residential treatment [2]. Their admissions team helps you verify benefits and complete preauthorization, reducing delay and stress.
AAC facilities for Cigna members
American Addiction Centers (AAC) operates multiple rehab locations that accept Cigna, such as AdCare Rhode Island and Sunrise House [3]. AAC programs span detox, inpatient residential, PHP and IOP, with specialized tracks for court-mandated treatment or executive care.
Evoke Wellness in Ohio
Evoke Wellness offers evidence-based detox, residential and intensive outpatient care in-network with Cigna [4]. They also provide telehealth counseling and aftercare planning, making it easier to maintain continuity of care when you transition home.
For more options on programs that partner with Cigna, you can explore our substance abuse program that accepts cigna.
Compare program types
When you evaluate facilities, consider how program structure, length and treatment modalities align with your goals.
| Feature | Residential inpatient | Partial hospitalization | Intensive outpatient |
|---|---|---|---|
| Intensity | High | Moderate–high | Moderate |
| Time commitment | 24/7 | 4–6 hours/day | 3–4 hours/session |
| Peer support | Constant group living | Daily group therapy | Group sessions only |
| Flexibility | Low | Moderate | High |
| Typical cost share | 10–30% coinsurance | 20–40% coinsurance | 10–30% coinsurance |
Additionally, you can factor in specialized services such as dual-diagnosis treatment or medication-assisted therapy when making your choice.
Prepare authorization steps
Securing coverage starts with meeting Cigna’s medical necessity guidelines and obtaining preauthorization.
Face-to-face assessment process
A licensed clinician or facility staff member conducts an in-person assessment, documenting your substance use history, withdrawal risk and co-occurring conditions. This information is submitted to Cigna for authorization.
Preauthorization and medical necessity
- Contact Cigna member services to confirm preauthorization requirements.
- Provide clinical records, assessment notes and physician recommendations.
- Await Cigna’s approval before admissions to avoid unexpected charges.
Minimizing out-of-pocket costs
- Stay in-network to access negotiated rates.
- Ask your provider about copay and coinsurance estimates.
- Track your deductible and out-of-pocket maximum to plan your budget.
Factor personal needs
Recovery is not one-size-fits-all. Tailor your search to match your unique situation.
Substance-specific considerations
Different substances can affect the withdrawal process and treatment focus:
- Alcohol addiction often involves medical monitoring for severe withdrawal symptoms.
- Opioid dependence may require medication-assisted treatment with buprenorphine or methadone.
- Benzodiazepine use demands a carefully tapered detox to minimize risk.
Addressing co-occurring conditions
If you have anxiety, depression or another mental health disorder, look for programs offering integrated care. Dual-diagnosis treatment ensures both your addiction and mental health needs are addressed under one roof.
Plan aftercare support
Your recovery continues long after you leave a rehab facility. In addition to therapy, consider structured programs that reinforce healthy habits.
Transition to sober living
Sober living homes provide a supportive environment with peer accountability and life-skills training. For options that pair with Cigna coverage, see our sober living program for addiction recovery.
Relapse prevention strategies
- Ongoing individual and group counseling
- Peer support groups and 12-step meetings
- Lifestyle changes such as exercise, nutrition and stress management
- Developing a personalized relapse prevention plan
For in-depth strategies, explore our drug treatment program with relapse prevention.
Take the next step
You’ve learned how Cigna supports various levels of care, which providers are in-network and how to navigate authorization. Now it’s time to act. Review your plan handbook or call member services to confirm your benefits. Then reach out to an in-network facility for an assessment. With the right support and a clear plan, you’ll be on your way to a healthier, sober future. If you’re ready to explore programs and start your recovery journey today, contact a treatment advisor who accepts your Cigna plan and take that important first step toward lasting change.
