Cigna Health Insurance Coverage for Addiction Treatment
✓ WHAT YOU NEED TO KNOW
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Cigna is a multinational health services company that operates in over 30 countries and serves more than 180 million customers worldwide. Cigna insurance strives to provide outstanding solutions to patients by connecting them with the medical facilities and services they need for wellness.1 This page will provide information on Cigna coverage for substance abuse treatment.
Does Cigna Insurance Cover Substance Abuse Treatment?
Yes. Cigna is a global health insurance company with 200 million customers in over 30 countries. Most Cigna plans cover substance use disorder (SUD) treatment, including medical detox, inpatient rehab, and outpatient therapy.
All Cigna plans follow the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act (MHPAEA), which require addiction treatment coverage similar to physical health services. AdCare Treatment Centers is in-network with Cigna, so you pay much less out of pocket when you choose AdCare for recovery in Massachusetts or Rhode Island.
For detailed information about your Cigna alcohol or drug treatment coverage, you can contact your Cigna administrator by calling the number on your insurance card or you can .
Which Cigna Plan Types Cover Substance Use Disorder Treatment?
Cigna has several plan options, and most include substance use disorder coverage through Cigna Behavioral Health. Here are the main types of plans:
| Plan Type | Coverage Details |
| ACA Marketplace Plans | Plans purchased through healthcare.gov or state marketplaces MUST cover addiction treatment as required by the Affordable Care Act. Bronze, Silver, Gold, and Platinum plans all include substance use benefits. |
| Medicare Advantage Plans (MA) | Seniors with Cigna Medicare Advantage have SUD coverage integrated into their plan. Covers medical detox, inpatient, outpatient, and behavioral health services through age 65+. |
| Employer-Sponsored Plans | Most large and mid-size employers offer Cigna group health plans that include substance use disorder coverage managed by Cigna Behavioral Health. |
What Types of Addiction Treatment Does Cigna Cover?
Cigna covers a wide range of addiction treatment services. The details depend on your specific plan, but usually include:
Medical Detoxification Program
This program provides supervised withdrawal with medications to help manage cravings and physical symptoms. It is an important first step before starting rehabilitation.
Inpatient/Residential Rehab Program
Patients receive 24/7 medical supervision and intensive therapy. They stay at the treatment facility for several weeks or months and get comprehensive addiction care.
Partial Hospitalization Program (PHP)
Partial Hospitalization Program (PHP), also known as ‘day treatment,’ offers intensive outpatient care during the day (25-30 hours per week) and lets you return home each evening.
Intensive Outpatient Program (IOP)
This flexible outpatient program includes 3-hour sessions, usually 3 to 5 days a week (9-15 hours per week). It is ideal for people who are working or have family responsibilities.
Standard Outpatient Therapy
This option includes individual and group therapy sessions once or twice a week. It is less intensive and works well for people in the maintenance phase of recovery or those with strong support at home.
Medication-Assisted Treatment (MAT)
For opioid use disorder, Cigna covers medications such as buprenorphine along with counseling. This evidence-based approach can reduce the risk of relapse by more than 50%.
Telehealth/Virtual Counseling
Phone or video therapy sessions help remove transportation barriers. This is especially helpful for people in rural areas or those with mobility challenges.
Understanding Your Cigna Cost-Sharing Terms
The amount you pay out of pocket for addiction treatment at AdCare depends on several factors in your Cigna plan:
| Cost-Sharing Term | What It Means |
| Deductible | The amount you pay out-of-pocket before Cigna insurance kicks in. Typical addiction treatment deductibles: $500-$2,000/year. Varies by plan. |
| Copay/Copayment | Fixed amount paid per service after the deductible is met. Example: $40 copay per therapy session. Inpatient may have daily copays or none at all. |
| Coinsurance | The percentage you pay after the deductible. Example: Cigna pays 80%, you pay 20% of treatment costs. Usually applies to inpatient/PHP. |
| Out-of-Pocket Maximum (OOP Max) | Maximum amount you’ll pay in a year (excluding premiums). Example: $5,000 OOP max means once you’ve paid $5,000, Cigna covers 100%. Protects you from catastrophic costs. |
| In-Network vs Out-of-Network | AdCare is IN-NETWORK with Cigna, which greatly reduces your costs. Out-of-network facilities may double or triple your costs or may not be covered. |
How to Verify Your Cigna Addiction Treatment Coverage
It’s easy to find out exactly what your Cigna plan covers for addiction treatment at AdCare. Just follow these steps:
Step 1: Use AdCare’s Online Benefits Verification Tool
This is the easiest way. Just enter your insurance information and policy number, and you’ll get an email with your coverage details in minutes.
Step 2: Call Your Cigna Member Services Line
You can find the phone number on the back of your insurance card. When you call, ask about your substance use disorder (SUD) coverage, your deductible, copay or coinsurance rates, your out-of-pocket maximum, and whether AdCare is in-network.
Step 3: Access Cigna’s Online Portal
Go to my.cigna.com to see your benefits directly. Look for the ‘Behavioral Health’ or ‘Mental Health & Substance Abuse’ sections.
Step 4: Speak with an AdCare Admissions Navigator
Call 866-739-7692 any time, day or night. Our team works directly with Cigna and can usually answer your coverage questions right away.
Why AdCare is Your Best Choice for Cigna Coverage
AdCare Treatment Centers is in-network with Cigna at all our Massachusetts and Rhode Island locations. This partnership offers several benefits:
- You pay less out of pocket because in-network rates are lower than out-of-network costs.
- We bill Cigna directly and handle the insurance paperwork for you.
- There are no authorization delays because we verify your Cigna coverage right away before you are admitted.
- We offer free pre-treatment counseling to discuss your coverage and what to expect.
- If you have out-of-pocket costs that Cigna does not cover, we offer flexible payment plans.
- We have over 50 years of experience working with insurance companies.
- Our facilities are JCAHO-accredited and meet the highest standards of care.
Cigna Addiction Treatment Coverage in New England
New England, which includes Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont, is facing a serious addiction crisis. Knowing your Cigna coverage is very important:
- Five of six New England states rank in the top ten for opioid-related overdose deaths per capita
- Vermont has the nation’s highest rate of heavy drinking: 9.4% of residents are classified as heavy drinkers
- Vermont has the highest percentage of residents (12+) reporting past-month drug use: 21.13%
- Cigna serves millions of members across the region. Having coverage is essential, accessible, and can be life-saving.