Cocaine is a dangerous and highly addictive drug that has a myriad of effects on the human body. According to the National Institute on Drug Abuse, using cocaine use can lead to permanent changes in the brain, impaired judgment and multiple health problems. In the most severe cases, cocaine use can even result in death.
Although cocaine addiction can be difficult to overcome, proper treatment can help you recover. Before you enter treatment, however, estimating the expenses you will pay is recommended. If you have an insurance policy from Cigna, your expenses may be reduced by Cigna Cocaine Treatment Coverage.
About Cigna Insurance Policies
Cigna offers three different varieties of insurance: myCigna Copay Assure, myCigna Health Flex and myCigna Health Savings. Each of these plans functions differently.
MyCigna Copay Assure
Under this plan, there is no deductible. Instead, you will pay a flat fee for most cocaine treatment services. For services that are more expensive, such as inpatient detox, you may pay the full cost of the service up to a set maximum.
MyCigna Health Flex
MyCigna Health Flex plans vary according to their deductibles and coinsurance requirements. However, regardless of the specifics of your plan, you must meet your policy’s deductible before your Cigna Cocaine Treatment Coverage will begin. Once you have met your deductible, you will pay coinsurance in accordance with your policy’s provisions. Coinsurance is typically calculated as a percentage of your treatment bills.
MyCigna Health Savings
MyCigna Health Savings plans are similar to Health Flex plans. However, with Health Savings plans, the deductible is considerably higher. These plans also offer you the option of maintaining a Health Savings Account funded with pre-tax dollars. The balance of this account can be used to pay your treatment expenses. As with the Health Flex plan, you must meet your deductible before Cigna Cocaine Treatment Coverage begins, and you may continue paying coinsurance even after the deductible has been met.
Other Considerations
Several other factors may also affect your Cigna Cocaine Treatment Coverage, including:
- Choice of provider – Choosing a provider from Cigna’s preferred provider network will ensure that you receive the maximum amount of benefits under your policy.
- Treatment plan – Some treatments are more expensive than others. For example, inpatient detox tends to cost more than outpatient substance abuse counseling.
- Preauthorization – Some treatments may need to be preauthorized by the insurance company in order to qualify for coverage.