If you or someone you love is considering addiction treatment, one of the first questions that comes up is: Will my insurance cover rehab? If you’re insured by Cigna, the good news is that most plans do offer behavioral health benefits—including drug and alcohol rehab coverage. Understanding how Cigna drug rehab coverage works can help you take the first step with clarity and confidence.

✅ Does Cigna Cover Drug Rehab?

Yes. Cigna typically covers a wide range of services related to substance use treatment. This includes detox, inpatient and outpatient rehab, and therapy services. These benefits fall under the category of mental and behavioral health, which most insurance plans are required to cover under federal law.

Cigna policies are available through employers, individual health exchanges, and some government programs like Medicare Advantage. Each policy is different, so it’s important to verify your specific coverage before beginning treatment.

🏥 What Types of Treatment Are Usually Covered?

Cigna drug rehab coverage may include:

• Medical Detox – A medically supervised setting to help you withdraw from substances safely.

• Inpatient Rehab – Residential treatment offering 24/7 support and structure.

• Outpatient Rehab – Including Intensive Outpatient (IOP) and Partial Hospitalization Programs (PHP) for those who don’t require overnight stays.

• Therapy Services – One-on-one, group, or family therapy sessions.

• Medication-Assisted Treatment (MAT) – For opioid or alcohol addiction, combining FDA-approved medications with counseling.

• Dual Diagnosis Treatment – Care that addresses both addiction and underlying mental health conditions.

💲 What Are the Out-of-Pocket Costs?

Cigna plans vary depending on the tier (Bronze, Silver, Gold), location, and whether you use an in-network provider. You may be responsible for:

• A deductible (the amount you pay before your insurance kicks in)

• Copays or coinsurance for each service or visit

• Charges for any out-of-network services

Once your out-of-pocket maximum is reached, Cigna typically covers 100% of covered services for the rest of the plan year.

✅ In-Network vs. Out-of-Network: What’s the Difference?

Using an in-network rehab provider usually results in significantly lower costs. In-network providers have negotiated rates with Cigna and can streamline approval and billing processes. While some plans may offer limited out-of-network benefits, they usually come with higher costs and stricter requirements like prior authorization.

📋 How to Check Your Cigna Benefits

1. Call the number on your Cigna insurance card to speak with a representative.

2. Ask about behavioral health or substance use disorder benefits.

3. Confirm if pre-authorization is needed for specific services like inpatient rehab or MAT.

4. Ensure your provider is in-network to reduce out-of-pocket expenses.

💬 Let Us Help You Navigate It

At Solution Based Treatment, we work closely with Cigna to help clients understand and use their benefits to access the care they need. Our team will verify your coverage, walk you through your options, and help you get started—confidentially and at no cost to you.

Don’t let insurance confusion delay your healing. Visit our Cigna Rehab Coverage page to learn more or speak with an admissions specialist today.