Cigna Opiates Rehab and Opioid Detox Coverage

Opiate addiction is a serious condition that can affect your health, ruin your relationships and even result in your death. If you are suffering from this condition, getting the right treatment is essential to your future. However, opioid detox and opiate addiction treatment can be very expensive. Thus, before you enroll in a treatment program, you will want to calculate your expenses so you can plan accordingly. Fortunately, addiction treatment is covered by most insurance policies, including policies purchased from Cigna.

About Cigna Opioid Detox Coverage

Cigna offers three different types of plans, all of which cover opiate addiction treatment and detox. However, the amount you will be required to pay will differ according to the plan you purchase.

MyCigna Copay Assure

MyCigna Copay Assure is a plan that comes with no deductibles. Instead, you will be required to pay a flat fee for most of the services you receive. For more expensive services, such as inpatient detoxification, your financial responsibility will be capped at a predetermined amount.

MyCigna Health Flex

MyCigna Health Flex Plans come with deductibles and coinsurance responsibilities that vary considerably. If you have a Health Flex plan, you will be required to meet your deductible before your Cigna Opioid Detox Coverage will begin. Once you have met your deductible, you will pay coinsurance for all remaining expenses until you meet your out-of-pocket maximum for the year. Your coinsurance will be calculated as a set percentage of each expense.

MyCigna Health Savings Plan

MyCigna Health Savings Plans are similar to Health Flex plans. However, they offer the option of a Health Savings Account, which can be used to save pre-tax dollar for medical expenses. If you have this type of plan, you will most likely have a higher deductible and out-of-pocket maximum than with most other Cigna plans, but you will be able to use the balance of your HSA to pay for your addiction treatment. Cigna Opioid Detox Coverage will begin after you meet your deductible.

Other Considerations

Regardless of the type of plan you have, your Cigna Opioid Detox Coverage will also depend on a few other factors, including:

  • Medical Necessity - Cigna will cover only those expenses that meet their published requirements for medical necessity.
  • Choice of Provider - Cigna maintains a network of preferred providers. Choosing providers from within this network will maximize your coverage.


"Cigna Opiod Detox Coverage"

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