Cigna insurance coverage may help pay for medical care, mental health care, and substance use treatment. Your plan may include benefits for medical detox, inpatient care, residential treatment, PHP, IOP, outpatient care, intervention services, and therapy. The care you can use and the amount you pay can vary by plan.

Your first step is to learn what your Cigna plan includes. You can check your plan online or call the member services number on your Cigna ID card. Ask about the care you need, your provider network, your costs, and any approval rules.

We Level Up can also review the insurance details you provide and discuss treatment options. Call (844) 597-1011 to speak with our team about your plan and possible care options. An insurance check does not promise payment or coverage because your Cigna plan makes the final coverage decision.

Cigna Insurance Plans

Cigna insurance plans can differ in how they handle providers, referrals, and out-of-network care. Cigna offers several plan types, including HMO, PPO, Open Access Plus, EPO, and other plan designs.

An HMO plan often uses a local network of doctors and facilities. Some HMO plans require a primary care provider and may have rules for specialist referrals. Out-of-network care may have limited coverage or may only be covered for emergencies, depending on the plan.

A PPO plan may give you more choice when picking a provider. Cigna says PPO plans can include out-of-network benefits, but these services may cost more.

Cigna also offers Open Access Plus (OAP) plans. These plans can provide access to a large network and do not require specialist referrals, although the exact benefits depend on the plan.

Your plan documents show which rules apply to you. Check your plan before choosing a treatment center.

What Does Cigna Insurance Cover?

Cigna plans may help pay for different types of medical, mental health, and substance use care. Cigna states that its employer medical plans can include mental health benefits and substance use benefits, including inpatient and outpatient treatment services.

Your plan may cover care such as medical detox, inpatient treatment, residential care, PHP, IOP, outpatient therapy, and mental health services. Some services may need approval before care starts.

Coverage is not the same for every Cigna member. Your plan may have rules about the provider, type of care, number of days, and your share of the cost. Review your benefits to see what applies to you.

Cigna Insurance Benefits for Addiction Treatment

Cigna plans may include benefits for drug and alcohol treatment. The right level of care can depend on your health, safety, substance use, and need for support.

• Medical Detox: We provide medical support for people who need help while stopping drugs or alcohol.
• Inpatient Treatment: Our inpatient program gives you a place to stay while receiving care and support day and night.
• Residential Treatment: We offer a structured setting where you can live on-site while working on recovery each day.
• Partial Hospitalization Program (PHP): Our PHP gives you several hours of care during the day while you return home or to a safe place at night.
• Intensive Outpatient Program (IOP): This program provides regular treatment while you live at home or in another safe setting.
• Mental Health Treatment: We provide care for mental health needs that may happen with or without substance use.

Cigna may cover some of these services based on your plan. Your benefits and plan rules decide what care is covered.

Cigna Health Insurance Network

A Cigna health insurance network includes doctors, hospitals, treatment centers, and other providers that have an agreement with a Cigna plan. Your network can affect where you get care and how much you pay.

In-Network Care

An in-network provider has an agreement with your Cigna plan. Using an in-network provider may give you better benefits and lower costs. Your plan may also have a list of providers you can use.

Out-of-Network Care

An out-of-network provider does not have the same agreement with your plan. Some Cigna plans include out-of-network benefits, while others may offer little or no coverage outside the network. Cigna notes that out-of-network care can cost more under many plans.

For example, a Cigna PPO may cover some out-of-network care, while some HMO plans may have limited out-of-network benefits. The exact rules depend on your plan.

Does Cigna Require Precertification?

Some Cigna plans require precertification before certain services begin. Precertification means the plan reviews a service before it starts to see if it meets the plan’s rules. Cigna states that precertification may apply to some behavioral health services, hospital care, and other services.

Call the member services number on your Cigna ID card to ask if your planned treatment needs precertification. Ask what care needs approval and if there are any other steps you need to take.

Precertification does not guarantee payment. Your plan benefits, limits, exclusions, and cost rules still apply.

What Can Affect Cigna Medical Insurance Cost?

Your Cigna medical insurance cost can depend on your plan and the care you receive. Different services may have different costs.

• Deductible: The amount you pay before your plan starts to pay for covered care.
• Copay: A set amount you may pay for a covered service.
• Coinsurance: The part of the covered cost you pay after meeting your deductible.
• Out-of-pocket maximum: The most you pay for covered care during your plan year.
• Network status: In-network care may cost less than out-of-network care.
• Type of care: Different types of treatment may have different costs.
• Length of care: More days of treatment may lead to higher costs.
• Plan rules: Your plan may have limits or approval rules for certain care.

For example, a person with a Cigna PPO may pay a different amount for medical detox than for outpatient therapy. The cost can also change when the provider is in-network or out-of-network.

Review your plan details to learn about your possible costs before treatment.

Cigna Insurance Coverage at We Level Up

We Level Up Treatment Centers has locations in several states. Services can vary by location and may include addiction treatment, mental health care, and care for co-occurring needs.

Locations With Detox

Medical detox is available at:

• California
• Washington
• New Jersey
• Lake Worth, Florida
• Texas

Locations With Inpatient Care

Inpatient care is available at:

• California
• New Jersey
• Lake Worth, Florida
• Texas
• Washington

Locations With Residential Care

Residential care is available at:

• California
• New Jersey
• Lake Worth, Florida
• Texas
• Washington, for residential mental health care
• Palm Beach, Florida, for mental health residential care
• Tamarac, Florida, for mental health residential care

Location With PHP

Mental health PHP is available at:

• Lawrenceville, New Jersey

Locations With IOP

IOP is available at:

• Lake Worth, Florida, for substance use
• Pompano Beach, Florida, for substance use
• Texas, for substance use and mental health

Cigna coverage and network status can vary by plan and facility. Contact We Level Up to review the insurance information you provide and discuss available care.

Why Check Your Cigna Benefits Before Treatment?

Checking your benefits can help you learn what your plan may cover. It can also help you understand your possible costs and network rules.

You can ask if your treatment is covered, whether the provider is in-network, and if precertification is needed. You can also ask about deductibles, copays, coinsurance, and out-of-network benefits.

Because Cigna plans can have different rules, use the benefits for your specific plan when making treatment choices.

Frequently Asked Questions

Learn About Your Cigna Insurance Benefits

Cigna insurance coverage may help pay for drug, alcohol, and mental health care. Your plan may include benefits for medical detox, inpatient care, residential treatment, PHP, IOP, therapy, and other services.

Your benefits and costs can vary based on your plan, provider, network, and type of care. Your plan may also have rules for deductibles, copays, coinsurance, and precertification.

If you have Cigna insurance, call We Level Up at (844) 597-1011. Our team can review the insurance details you provide and discuss available care options. Insurance checks do not promise payment or coverage. Your Cigna plan makes the final decision on your benefits.