Cigna Rehab Coverage in California
What Does Cigna Cover for Rehab?
Rehab insurance, also known as addiction treatment insurance or substance abuse coverage, is a type of insurance that provides coverage for individuals seeking treatment for drug or alcohol addiction. This type of insurance can cover various forms of addiction treatment, such as inpatient rehabilitation programs, outpatient therapy, medication-assisted treatment, and other forms of support.
The goal of rehab insurance is to help individuals struggling with addiction access the necessary resources and support to overcome their substance use disorder. This can include coverage for medical detoxification, counseling and therapy sessions, prescription medications, and other necessary interventions. Some policies may also offer additional services such as family therapy or addiction aftercare programs.
It’s important to note that not all health insurance plans cover rehab services. However, under the Affordable Care Act (ACA), most health insurance plans must provide some form of coverage for substance abuse treatment. Additionally, many employers offer employee assistance programs (EAPs) that may provide coverage for addiction treatment.
Having rehab insurance can greatly reduce the financial burden associated with seeking professional help for addiction. It can also remove barriers to accessing quality care and increase the chances of successful recovery from substance abuse.
Your Transformation Start Here
What Does Rehab Insurance Cover?
If you or someone you care about is battling a substance abuse problem, we know it affects every aspect of life. Cigna offers free seminars for anyone who wants to learn about SUDs and recovery. The workshops are held every month, from January to October.
SUDs may refer to substance use or dependence. Symptoms of SUD include:
- Behavioral changes include:
- Decrease in attendance at work or school
- Frequently getting in trouble
- Using substances in risky situations such as driving or operating machinery
- Acting secretively
- Changes in appetite and sleep patterns
- Change in personality or attitude without explanation
- Unexpected mood swings
- Unusual periods of agitation, hyperactivity, or giddiness
- Loss of motivation
- Physical changes include:
- Abnormal pupils and bloodshot eyes
- Unusual rapid weight loss or gain
- Deterioration in physical appearance
- Unusual odors on body, breath, and clothing
- Slurred speech, loss of coordination, or shakiness
- Social changes include:
- Abrupt change of hobbies, hangouts, and friends
- Legal problems linked to substance use
- Continuing substance use despite the harmful effects on relationships
It’s worth noting that mental health disorders and substance use sisorders frequently co-occur. Surprisingly, over 25% of adults grappling with serious mental health issues also battle addiction. This phenomenon arises from various factors. Certain illicit drugs induce symptoms of mental health disorders in individuals with SUDs. In contrast, mental health disorders often drive individuals towards drug or alcohol abuse as a means of self-medication.
Additionally, there exist shared underlying issues between SUDs and mental disorders, such as disparities in brain structure, genetic vulnerability, and exposure to stress or trauma during early life. SUDs commonly coincide with the following mental health disorders: anxiety disorders, depression, schizophrenia, and personality disorders.
Evaluating your health is an easy way to find out more about your health and help you decide what needs to be addressed to improve your health moving forward. A comprehensive assessment is an important tool to guide you in setting healthy goals and revealing underlying problems that should be focused on.
A health coach can offer personalized support if you have a weight, stress, or another issue that’s affecting your health. Coaching can provide you with personalized support to:
- Help you learn to manage your weight
- Create a tobacco quit plan if needed
- Learn to use coping methods to manage your stress and understand the reasons behind your stress
How to Check Your Cigna Rehab Coverage
You’re ready for the hardest part of recovery. That is, getting started by checking your insurance coverage for rehab. Our addiction specialists at Melrose Recovery are experts at cutting through the insurance jargon and getting you on the right track with answers. Contact our experts to begin your paperwork and the admissions process.
How to Get Approval for Rehab Stay With Insurance
It can be difficult to get treatment for SUD. Whether it’s by personal choice or it’s being required by the court system, employer, or family. The first step to getting approval for the correct treatment is a full evaluation. This includes:
- An honest assessment of your current use
- A review of substance use and treatment history
- A physical history
- An examination of your social situation
- Identifying your treatment goals
You may obtain this evaluation in your physician’s office or at Melrose Recovery Center which is in-network with Cigna Healthcare. Being in-network means that Cigna Healthcare has a contract with Melrose to provide care to our clients at a discounted rate.
If you want to find out if you’re covered for treatment, you can check your rehab insurance benefits by:
- Checking your insurance paperwork
- Calling Cigna’s customer service line
- Log into the myCigna website or app
- Let Melrose Recovery Center handle it
Levels of Care at Melrose Recovery Center
After your assessment, you’ll receive a treatment recommendation which will be either a residential treatment or outpatient basis. This is called Level of Care. Melrose Recovery Center can provide:
- Detox program–The first step in any rehab is detox. Through this process, you are closely monitored while your body cleanses itself of the drugs and helps eliminate your physical dependence on the substance.
- Residential treatment program–When the detox is complete, you’ll receive customized therapy and counseling. These are necessary for you to break your mental dependence.
- Addiction rehab aftercare program–After completing residential treatment, you are not “cured.” SUD recovery is a lifelong process and you are most vulnerable to relapse in early recovery. An aftercare program helps you continue getting the guidance and treatment essential to avoid relapse. It can be considered an outpatient program because you will be living outside the treatment center, yet still getting the support you need to maintain your sobriety.
What if Insurance Doesn’t Cover Treatment?
If you don’t have healthcare insurance there are other ways to pay for treatment such as:
- Personal financing
- SAMHSA offers grants through its Center for Substance Abuse Prevention and Treatment
- Employer Assistance Programs
- Crowdfunding
- Medicare and Medicaid
Don’t let the fear of paying for treatment stop you. Talk to one of our knowledgeable admissions specialists.
