How Cigna Covers Outpatient Drug and Alcohol Rehab in New Jersey

Cigna insurance plans often cover some of the treatment costs of your drug and alcohol rehab at Rubicon Recovery Center in New Jersey, but the amount of coverage varies depending on your plan and benefits.

When you’re considering attending a drug and alcohol rehab, insurance coverage and the treatment cost both play a big role in accessibility. Whether Cigna covers rehab costs depends largely on your specific plan and benefits. At Rubicon Recovery Center, we provide holistic rehab programs for substance use disorders (SUDs) near you in Watchung, New Jersey, and we accept Cigna and can help you with insurance verification. Learn more about Cigna coverage for rehab in New Jersey, so you know what to expect.

Key Takeaways

• Cigna insurance generally covers some of the cost of drug and alcohol rehab, but the level of coverage will depend on your specific plan and benefits.
• To verify your Cigna benefits, contact the Admissions Department at Rubicon Recovery Center for a free insurance verification.
• Rubicon Recovery Center accepts Cigna insurance and will help you determine your level of coverage, benefits, and potential out-of-pocket costs.

What Does Cigna Typically Cover for Addiction Treatment?

Cigna Healthcare is a national healthcare insurance provider that provides members with access to over 2 million healthcare providers, clinics, and facilities. Although the exact coverage for addiction treatment under Cigna will depend on your specific plan and benefits, some addiction services are commonly covered fully or partially. They include:

Medical Detox Placement

Medically supervised detox is often required for individuals entering rehab, especially those who use opioids, alcohol, and benzodiazepines. If medical detox is deemed medically necessary for the patient as they are experiencing significant withdrawal symptoms, Cigna often covers a portion or the entirety of the cost. Rubicon Recovery Center coordinates placement with trusted detox partners before transitioning patients into outpatient treatment.

Partial Hospitalization Program (PHP)

A Partial Hospitalization Program (PHP) is an intensive outpatient addiction treatment program that runs for six hours a day, five to six days a week. At Cigna, PHPs may be fully or partially covered if the patient demonstrates a need for a high-level, intensive program and would not be better-suited to a lower-level program.

Intensive Outpatient Program (IOP)

An Intensive Outpatient Program (IOP) is a type of outpatient treatment for substance use disorders (SUDs) that serves as a middle ground between PHP and outpatient programs. At Rubicon Recovery Center, our IOP features sessions three hours a day, for three to five days a week. Depending on your coverage and benefits, Cigna may cover IOP if the patient demonstrates a moderate risk of relapse or if they have ongoing issues that can’t be managed with weekly therapy.

Outpatient Program (OP)

Outpatient addiction treatment is the least intensive treatment option before weekly therapy. At Rubicon Recovery Center, our Outpatient Program runs for two to three days per week with an hour of treatment per day. Cigna often covers some or all of the cost of outpatient treatment.

Mental Health and Dual Diagnosis Care

People with an SUD and a mental health disorder have what is called co-occurring disorders or dual diagnosis. These diagnoses are best treated by an integrated care team to prevent conflicting information. Cigna generally provides some level of coverage for dual diagnosis treatment under the Affordable Care Act (ACA) and federal mental health parity laws, which mandate that mental health conditions must be treated at the same level as physical health conditions.

How Can I Verify My Cigna Coverage at Rubicon Recovery Center?

To verify your coverage and see what your plan covers, contact the Admissions Department at Rubicon Recovery Center. We provide free insurance verification to determine your eligibility for treatment and potential out-of-pocket costs. Simply contact us by filling out our web form or calling (908)-274-0015 to tell us your member ID. We have experienced professionals who can explain your benefits and coverage clearly.

What Do Out-of-Pocket Costs Look Like with Cigna?

With Cigna insurance plans, your out-of-pocket costs generally include copays, deductibles, and coinsurance. What these costs look like depends entirely on your personal plan benefits and whether you see in-network providers. However, most Cigna plans have an annual Maximum Out-of-Pocket (MOOP) that you must pay. When it is reached, Cigna covers 100% of the costs of covered expenses afterward.

Learn More About Drug and Alcohol Rehab Near You in New Jersey

When you’re dealing with a substance use disorder and are looking for a treatment facility that accepts Cigna insurance, trust Rubicon Recovery Center. We accept Cigna and will work with you to verify your insurance coverage in under 60 seconds. We’ll work directly with your insurance provider to handle your insurance claims, so you can focus on your recovery.

Here, we provide evidence-based treatment for many different substance use disorders, including opioid use disorder and alcohol use disorder. Contact us online or call (908)-274-0015 for confidential help or to learn more about rehab costs and insurance coverage with Cigna. We serve patients in New Jersey, Pennsylvania, and New York.

Frequently Asked Questions About Cigna Rehab Coverage

Does Rubicon Recovery Center accept Cigna?

Yes, we accept Cigna, as well as most major insurance providers.

Does Cigna cover outpatient rehab in New Jersey?

Yes, Cigna typically covers outpatient rehab programs in New Jersey, although the amount of coverage will depend on your specific plan.

Does Cigna cover IOP and PHP at Rubicon Recovery Center?

Cigna often covers IOP and PHP at least partially at Rubicon Recovery Center if the patient demonstrates medical necessity.

How do I verify my Cigna benefits?

To verify your Cigna benefits, contact Rubicon Recovery Center for a free insurance verification by filling out our web form or calling (908)-247-0015.

What out-of-pocket cost should I expect with Cigna?

With Cigna, your out-of-pocket costs will typically include items like copays, deductibles, and coinsurance. The amount of these costs will vary based on your individual plan benefits and whether you see in-network or out-of-network providers.

Does Cigna cover dual diagnosis treatment?

Yes, Cigna generally covers some or all dual diagnosis treatment under the Affordable Care Act and federal mental health parity laws.

What other insurance providers are accepted by Rubicon Recovery Center besides Cigna?

Besides Cigna, we also accept other major insurance providers, including Aetna, Anthem, Blue Cross Blue Shield, UnitedHealthcare, and more.