If you’re looking for drug or alcohol addiction treatment in order to start your or a loved one’s path towards recovery and sobriety, we can help you find the treatment facility that can meet your recovery needs. With Cigna health insurance, most policyholders have some degree of benefits available for drug and alcohol addiction treatment. Aspire Health Network can review your insurance to get a comprehensive understanding of your benefits and coverage.
Most people don’t have a full understanding of their level of coverage in regards to substance abuse and mental health treatment. Even more people start to panic at the thought of using an out-of-network rehab center because of the potentially outrageous out-of-pocket costs they could face.
Aspire will review your insurance benefits for you, determine what drug and alcohol rehabilitation facilities accept your Cigna drug rehab health insurance policy, and let you know if certain types of treatment, like an inpatient program, is will be covered under your policy.
Understanding How Treatment Centers Work With Beacon Health Options
Knowing the differences between your drug and alcohol abuse (and mental health) benefits verses your general health insurance benefits can be very important, especially for those seeking addiction treatment. There are a lot of people who assume they are the same, but unfortunately that’s not always the case.
Drug and alcohol rehab programs accept insurance policies based on the history of their ability to approve claims through that insurer rather than denying them. Cigna can’t even guarantee that your claim will be a approved or denied even if you choose a rehab center that’s in network.
When you contact us, these are some of the things we’ll be looking at when we review your Cigna coverage:
- Which alcohol and drug treatment programs you’re eligible for
- Which treatment centers have a good history with your insurance network
- How long you can attend the programs offered/covered (30, 60, or 90 days, typically)
- What levels of care will be available and covered by your insurance
- Make a list of eligible treatment centers that accept your BCBS insurance
- Help you narrow down your choices based on your preferences and treatment requirements
- Give you a professional referral for the treatment center of your choice
By allowing us to provide you with an independent review of your Cigna coverage, we are able set you up with a drug or alcohol rehab that will accept your benefits. We can also identify the amount you can expect to pay out of pocket, if any. We often see people either assuming that their policy doesn’t support any rehab coverage or assuming their rehab treatment program of choice is covered by Cigna, only to find out that the opposite is true in either case. With Aspire Health Network, you’ll know what options are actually available to you from the start and we’ll make sure the rehab center you choose is in network.
Choosing an in network facility versus and out of network rehab center can usually be the difference between going to treatment for 30 days or being able to go for several months if needed.
Aspire can provide you with valuable information about your Cigna insurance coverage since placed thousands of people into a formal addiction treatment program with all sorts of insurance policies. We can help you too.
Other Cigna Health Insurance Benefits
Knowing the full extent of both your substance abuse/mental health insurance coverage and your general coverage is important in any situation, but especially when you’re trying to find an appropriate treatment center or when you’re planning life after rehab. Cigna insurance plans are known to be flexible and budget-accommodating in many situations.
For example, did you know that you’re probably 100 percent covered for in network preventative care services like annual checkups, screenings, and routine immunizations? Cigna also has a wealth of personalized online tools and a mobile app, which can both be used to help you locate in network providers, manage your account balances, check on insurance claims, and more.
Plus, Cigna service representatives are available 24/7 if you have any questions about features, providers, or anything else to do with your health insurance policy. This can be really useful in an emergency when you need to find the closest in network healthcare provider.
Cigna is available in 20 states and about 30 additional countries outside of the U.S., and the company claims they have the strongest return-to-work results of any other insurance provider. This is an especially good reputation to have in the rehab industry, and lets recovering addicts know that their Employee Assistance Program (EAP) truly works for those who go into an inpatient treatment program.
We Can Help You Use Your Cigna Coverage Effectively
Call Aspire Health Network today to get started on your path towards sobriety. We’ll help you figure out what of your rehab treatment will be covered by your insurance and match you to the appropriate center to meet your treatment needs.