Cigna Addiction Treatment

Will My Insurance Pay for Rehab?

Sponsored Legal Stuff - This is an advertisement for Service Industries, Inc., part of a network of commonly owned substance abuse treatment service providers. Responding to this ad will connect you to one of Service Industries, Inc.’s representatives to discuss your insurance benefits and options for obtaining treatment at one of its affiliated facilities only. Service Industries, Inc. Service Industries, Inc. is unable to discuss the insurance benefits or options that may be available at any unaffiliated treatment center or business. If this advertisement appears on the same web page as a review of any particular treatment center or business, the contact information (including phone number) for that particular treatment center or business may be found at the bottom of the review.

Addictions present many challenges. They can affect your career, your relationships and your overall quality of life. Even with all of the serious consequences of addictions, they can still be difficult to overcome. In most cases, professional treatment will be required. Because addiction treatment can be expensive, it is wise to find out how much you will be expected to pay before you begin the process. Fortunately, if you have health insurance through CIGNA, your plan may cover a significant portion of your treatment expenses.

About CIGNA Insurance Policies

CIGNA offers several different types of insurance policies, all of which cover addiction treatment. However, the CIGNA addiction recovery coverage offered under these plans differ significantly. The plan types available include:

  • CIGNA Copay Assure - Under this plan, you will pay a flat fee for most of the services you receive. Your responsibilities for services that are more expensive, such as hospitalization, are capped.
  • CIGNA Flex Plan - CIGNA's Flex plans offer a variety of deductible and coinsurance options to meet the needs of various customers. Under these plans, you must meet your deductible before CIGNA addiction recovery benefits will begin. After you have met your deductible, you will continue to be responsible for any required copays or coinsurance until you meet your out-of-pocket maximum.
  • CIGNA Health Savings Plan - With a CIGNA Health Savings plan, you will most likely have to meet a high deductible before your CIGNA addiction recovery benefits will begin. However, you can use funds from an HSA to pay these expenses, which offers certain tax benefits. Once you have met your deductible, you may still be responsible for copays and/or coinsurance until you have satisfied your plan's out-of-pocket maximum.

Estimating How Much You Will Pay

The amount you will pay for treatment depends on the type of plan you have, its specific terms and the amount you have already paid toward your deductible for the current year. Some other factors that may affect your CIGNA addiction recovery benefits include:

  • In-network versus out-of-network: CIGNA maintains a network of preferred providers. Choosing providers from within this network will maximize your CIGNA addiction recovery benefits, while choosing providers outside the network may reduce your CIGNA addiction recovery benefits.
  • Mental health versus substance abuse: Some addictions, such as addictions to gambling, may fall into the category of mental health treatment, while treatment for addiction to drugs or alcohol will be considered "substance abuse treatment." Benefits for mental health treatment may differ from benefits for substance abuse treatment.


Free Weekly Newsletter
Please check your email to confirm sign up. Thank you!

Visions offers top-of-the-line treatment for 13 to 18 year old addicts, with alumni that includes Elizabeth Brockovich—daughter of Erin Brockovich—who found treatment in Vision's outpatient, day school, sober living and their Launch program.

Rating: 5 stars
33335 Mulholland Highway, Malibu, CA 115 Barrington Walk, Los Angeles, CA 90049
$40,000/30 days (45 day minimum)

The “beach-house-relaxed” Cliffside Malibu claims to provide an oasis for recovering addicts and alcoholics. And that’s just what you'll get—if you’ve got the cash.

Rating: 5 stars
Malibu, Calif.

This SoCal rehab fosters a regimented but respectful recovery environment, where teens learn how to live sober through plenty of 12-step meetings and life-skills classes—not to mention "equine-assisted psychotherapy" and mixed martial arts.

Rating: 5 stars
Newport Beach, Calif.

The kind of addict who comes to Sunset Malibu is frequently using drugs to cope with a deep pain; for these people, life is just too painful to deal with without the buffer of drugs or alcohol.

Rating: 5 stars
Malibu, CA
$58,000/mo. for a semi-private room;

At Sober College, young people learn life skills and can take accredited college courses while going through treatment for addiction.

Rating: 4.5 stars
Woodland Hills, CA
$15,000 - $25,000 per month;

Whether you’re interested in the 12 Steps, SMART Recovery, or holistic treatments, this luxurious, appealing and commendable 4.5 star San Diego rehab has a program for you. 

Rating: 4.5 stars
San Diego
$45,000 - $149,900 per month

Located a nine-iron away from century city and bordering Beverly Hills, in the quiet upscale neighborhood of Cheviot Hills, is Genesis House.

Rating: 4.5 stars
Cheviot Hills, CA
$10,000 - 15,000/mo.

Access Malibu offers five-star treatment and luxury amenities at a more accessible price.

Rating: 4.5 stars
Malibu, CA
$36,500 per/month.

This 12-step based non-profit Tennessee facility for men offers meetings, groups and camaraderie.

Rating: 4.5 stars
Burns, TN
30-day program: $6500; LTR Program / Extended Care: $5500 (monthly); step-down program (outpatient): $1500

This Austin, Texas rehab provides substance abuse and mental health services as an outpatient programs. It is universally beloved by its clients and alumni for the therapy provided to the individual and the support freely given by a caring staff.

Rating: 4.5 stars
Austin, TX