Paying for treatment shouldn’t be a priority concern when you’re struggling with drug or alcohol addiction, but unfortunately, it is a reality. At Oceanfront Recovery, we do our best to make payment easier by staying in-network with most major insurance providers, including Cigna. If you’re unsure what your policy will pay for, call Oceanfront Recovery today at 877.279.1777 and let us check on your insurance verification for you.
Cigna, Residential Treatment Centers, and Paying for Rehab
Cigna is a nationwide health insurance company that provides coverage for disability, dental, accidents, life insurance, and medical care. Addiction treatment qualifies as mental health care and is covered, at least in part, by Cigna.
For residential treatment, Cigna policy benefits depend on several factors, including:
- Your personal policy
- Your location and the location of your treatment facility
- Co-occurring mental or physical health conditions
- The length and type of your treatment
Different types of policies cover different levels and amounts of addiction rehab treatment. The most efficient way to verify what your policy will cover is to contact our admissions team. When you call for verification, please have the following information on hand:
- The name of your insurance provider
- The member ID number
- Date of birth
- Provider’s telephone number
Once we have the necessary information, the verification process is simple.
Verifying for Residential Treatment — Cigna Insurance Privacy
Verifying your insurance policy is a free, no-obligation service. It is also confidential. If other people are on your policy, they will not be informed that you have contacted our treatment facility or that we contacted Cigna on your behalf. If your insurance is through the workplace, your employer will not be notified of our contact with your insurance.
We make it easy to verify insurance because we understand that the process of paying for rehab can feel overwhelming. After verifying your insurance coverage, our admissions team will provide alternatives for funding if needed.
Which Services Does Insurance Cover?
At Oceanfront Recovery, every client receives a customized treatment plan based on their health history, current condition, co-occurring disorders, and treatment needs. Taking the time to create an individual plan for each person ensures they receive the best treatment options for their situation. It also helps keep costs down by eliminating any unnecessary treatments.
Some of the services your Cigna policy may pay for include:
- Medically supervised detox
- Residential care
- Outpatient care
- Cognitive-behavioral therapy
- Family therapy
- Medication management
- Individual therapy
- Dialectical behavior therapy
- Treatment for co-occurring disorders
Because Oceanfront Recovery maintains in-network Cigna residential treatment centers, the level of coverage will be higher than for programs that are not in-network. Extra amenities, such as spa treatments and experiential therapies, may be covered if your policy includes them.
How the Family Medical Leave Act Might Help
The Family Medical Leave Act (FMLA) is a federal law that helps families by protecting their job stability in times of a healthcare crisis, such as when a loved one needs treatment for a substance use disorder. If your employer does not provide medical leave for extended health care, you may qualify for up to 12 weeks of unpaid leave through the FMLA.
The Oceanfront Recovery admissions counselors can help you determine whether you qualify to use FMLA to cover the time off needed for rehab. Though the FMLA does not assist with rehab payment or provide support funds while a family member is in treatment, it does protect their employment status and ensure they will have a job to return to when treatment is over.
Find Out Whether Cigna Insurance will Cover Your Rehab Costs at Oceanfront Recovery
Don’t let financial concerns stop you from getting the care you need. Paying for addiction treatment is an investment in your health and your future. Call Oceanfront Recovery today at 877.279.1777 and let us verify your Cigna insurance coverage.
