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Addiction and Mental Health Treatment with Cigna Insurance
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Celadon Accepts Cigna Insurance for Addiction & Mental Health Treatment
Substance use and mental health disorders are overwhelming. While the focus should be on quality care, many people worry about how they will cover treatment costs.
Under the Affordable Care Act, all insurance plans must cover mental health services. This means that your HMO or PPO plan includes coverage for inpatient and outpatient levels of care. In fact, most Florida rehab centers are in-network with various insurance plans like Cigna.
Celadon Recovery is proud to be in network with Cigna Insurance. Policyholders and their family members have varying degrees of coverage, which can be confusing. Call us today at 239-266-2141 and we will confirm your coverage options, and help you understand it.
Understanding Your Cigna Health Insurance Plan
You probably receive health insurance through your or a loved one’s employer. You might also receive coverage through the Healthcare Marketplace. Either way, each Cigna plan is different so it’s important to understand the specific benefit levels for YOUR policy and corresponding cost elements.
Familiarize yourself with Cigna’s health plan terminology.
Deductible: A deductible is the amount you must pay out-of-pocket before insurance pays their share.
Coinsurance: Coinsurance refers to the percentage of the cost you are responsible for the service.
Copay: Copay refers to the specific amount you pay for a particular service.
Cigna In-network: In-network means the provider has established managed care agreement with Cigna in a specific state. These are typically HMO or EPO policies.
Cigna PPO Policies: Cigna’s preferred provider network (PPO) offers in and out-of-network coverage for greater flexibility.
Cigna Insurance Covers Most Behavioral Health Services
Insurance often covers numerous types of behavioral health treatments. Here are some of the following services that you may receive coverage from.
Inpatient Detox
Patents with substance use disorders typically begin with a medical detox. Detox is essential for medical stabilization.
Residential Care
Residential care provides the highest level of clinical care for all mental health disorders. Residential treatment is the preferred treatment for patients requiring 24/7 supervision.
Most insurance covers residential treatment for moderate to severe substance use disorders. If you intend to use insurance to subsidize the cost of care, is important to determine which healthcare providers are in-network.
Outpatient Programs
Cigna insurance coverage typically includes partial hospitalization (PHP), intensive outpatient (IOP) and outpatient treatment (OP) for substance use and mental health disorders.
Dual-Diagnosis Treatment
Cigna covers their insureds who experience mental illness(s) like depression, anxiety, PTSD, personality disorders, eating disorders, or schizophrenia. Celadon is an AHCA certified facility for dual diagnosis care.
