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Cigna Insurance Coverage for Drug & Alcohol Rehab Treatment

If you or a loved one is struggling with addiction, help is available. Speak with a Recovery Advocate by calling (561) 340-7269 now.

Cigna rehab insurance coverage can help cover the costs of drug and alcohol addiction treatment at The Recovery Village at Baptist Health.

Finding the right fit for addiction treatment can be challenging, let alone finding the right treatment facility that accepts your insurance. This page outlines the health insurance plans provided by Cigna and how to determine your Cigna rehab coverage.

Cigna Provider Overview

Cigna is a global health insurance company that serves 190 million customers worldwide. It offers many coverage options for people with mental health conditions and substance use disorders.

The Recovery Village at Baptist Health accepts Cigna health insurance and provides alternative payment options to help make addiction treatment as accessible as possible.

Cigna Coverage Levels and Plans

Cigna offers four types of health insurance plans: Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), Point-Of-Service (POS) Plans and Preferred Provider Organizations (PPOs).

  • HMO plans: These plans require patients to choose from a local network of participating providers for health care services. Patients must also select an in-network primary care provider.
  • EPO plans:  These types of plans allow you to see a larger pool of participating providers but require choosing an in-network primary care provider. Out-of-network care is typically uncovered except in the case of an emergency.
  • POS plans: POS plans require patients to choose an in-network primary care provider and obtain a referral to specialists. Care received outside of your network will likely not be covered.
  • PPO plans: These plans allow patients to choose from an extensive network of participating providers. You are not required to select a primary care provider or get a referral to see specialists.

Cigna’s PPO and HMO plans are available in four tiers: Bronze, Silver, Gold and Platinum.

  • Cigna’s Bronze Plan has a low price tag but requires you to pay a 40% coinsurance for all health care services.
  • Cigna’s Silver Plan has a medium price tag but requires you to pay a 30% coinsurance for all health care services.
  • Cigna’s Gold Plan has a high price tag but only requires you to pay a 20% coinsurance for health care services.
  • Cigna’s Platinum Plan has the highest price tag but only requires paying 10% coinsurance for health care services.

How To Check Your Cigna Insurance Benefits

You can check your Cigna Insurance benefits by calling the customer service number listed on the back of your member ID card. You can also use our benefits checker to see whether your plan covers rehab costs.

Does Cigna Insurance Cover Drug and Alcohol Rehab?

Under the Affordable Care Act, all health insurance companies are required to provide coverage options for mental health and addiction treatment. Cigna offers its policyholders at least some coverage for substance use treatment if using an in-network provider. Coverage may include:

  • Medical detox
  • Inpatient care
  • Outpatient care
  • Partial hospitalization programs
  • Dual diagnosis
  • Medication-assisted treatment

Cigna Substance Abuse Guidelines

Cigna adheres to the American Society of Addiction Medicine’s criteria for diagnosing

substance abuse. You may be asked about your substance use history, addiction treatment history and treatment goals to determine eligibility for coverage.

Addictions Covered Under Cigna Policies

What services Cigna covers will depend on your plan and medical need. Addiction treatments covered by Cigna may include but are not limited to:

  • Alcohol
  • Opioid
  • Methamphetamine
  • Opioid
  • Prescription drugs

Does Cigna Cover Mental Health and Counseling Services?

The Affordable Care Act requires that Cigna provides some coverage for mental health and counseling services. Cigna may cover therapies, including eye movement desensitization and reprocessing (EMDR) and cognitive behavioral therapy (CBT) if using a participating provider. You can check your benefits using our benefits checker or by calling the number listed on your member ID card.

Does Cigna Cover Medication-Assisted Treatment (MAT)?

While not necessary for everyone, medication-assisted treatment (MAT) can benefit people facing alcohol or opioid addiction as it minimizes withdrawal symptoms and the chance of relapse. The Recovery Village at Baptist Health offers MAT for patients when medically appropriate.

Your insurance plan determines which medications Cigna will cover. You can search for medications on Cigna’s Prescription Drug Lists to see if your plan provides coverage.

Cigna Suboxone Coverage

Suboxone is a brand-name opioid use disorder medication that consists of buprenorphine and naloxone. Most Cigna plans do not cover Suboxone, but they cover its generic form (buprenorphine-naloxone).

Cigna Methadone Treatment

Methadone is an opioid use disorder treatment. It differs from other MATs because it is only administered at specialized clinics. Due to this, methadone treatment is covered differently by insurance. The best way to determine if your plan covers methadone treatment is by contacting Cigna’s customer service line.

We are here when you are ready.

Speak with a Recovery Advocate today to talk about your treatment options.

What Length of Treatment Does Cigna Cover?

There is no treatment length that Cigna is guaranteed to cover. Addiction treatment coverage is based on medical necessity. Cigna should provide coverage if you seek addiction treatment from an in-network provider deemed medically necessary.

Rehab Accepting Cigna in Florida

Finding the right addiction rehab facility that accepts your insurance can be challenging. The Recovery Village at Baptist Health offers Cigna policyholders a full continuum of physician-led care. Contact us today to verify your insurance and learn about our payment options.

View Sources

American Society of Addiction Medicine. “About The ASAM Criteria.” Accessed April 22, 2023.

Cigna. “Bronze, Silver, Gold, and Platinum Health Plans.” Accessed April 22, 2023.

Cigna. “Cigna Standards and Guidelines/Medical Necessity Criteria.” April 2020. Accessed

April 22, 2023.

Cigna. “Prescription Drug Lists and Coverage.” Accessed April 22, 2023.

Cigna. “Types of Health Insurance.”Accessed April 22, 2023.

Healthcare.gov. “Essential health benefits.” Accessed April 22, 2023.