Did you know that only 10.4% of people who are struggling with substance abuse seek help?
Unfortunately, it’s tough to battle addiction on your own, which is where rehabilitation centers (or rehab) comes in. If you’re searching for a rehab for you or your loved one, then it’s good news; you’re on the first step to recovery!
But finding the right place isn’t always easy. One of the main things to consider is how your insurance will help you pay for the fees of rehab, and which centers will accept your policy.
To help you out, we’ve put together this guide with everything you need to know about Cigna rehab in San Diego. If you have a policy with Cigna, keep reading!
Does Cigna Insurance Cover Rehab?
Yes! Cigna does have policies that cover rehab in Southern California, helping you pay for the fees. At a time when you or your loved one is looking for addiction treatment, the last thing you want to be worrying about is your finances, so having an insurance provider who can help is a big perk.
How Does Cigna Drug Rehab Cover Work?
Cigna has a few different ways in which they can help you to pay for a San Diego rehab. This depends entirely on the plan you have. You could get partial coverage, leaving you to pay a much smaller fee, or the treatment could be 100% paid for by Cigna.
The most common scenario is that Cigna will cover around 80% of rehab fees, which is still very good. Anything that isn’t covered will have to be paid out of your pocket.
Different Cigna Policies and Rehab Cover
When you took out your insurance with Cigna, you will have chosen a specific policy of coverage. Let’s take a look at how your policy will help you pay for inpatient rehab.
For out-of-network rehabs, your plan may not cover the costs – but, be sure to check with Cigna to make sure you don’t miss out on any help. For inpatient treatment, you’ll pay your plans deductible in full before Cigna will help with the costs. Again, it’s best to check out how this will work on the bronze plan as it can vary.
Typically, coinsurance for silver plans (which is the amount of the bill you’ll have to pay out of pocket until your max is reached) is between 30-50% after the deductible is met.
Gold plans offer between 20-50% coinsurance after the deductible is met. Rehabs not in the network may or may not be covered depending on the state you’re in.
On a platinum plan, you’ll only pay 10-30% in coinsurance after your deductible is met. There are also plans that will cover rehab centers not in the Cigna network, though the coinsurance will be considerably higher.
Always Get In Touch With Cigna
The information we can offer on how much you’ll actually be paying for rehab is limited. Cigna varies what they offer from state to state and policy to policy, so it’s always best to get in touch with them directly. Make sure you know your deductible and the coinsurance you’ll have to pay for in-network rehabs.
How Long Does Cigna Coverage Last?
When you or a loved one enter drug addiction rehab, you often don’t know how long you’ll stay to receive substance abuse treatment. So, knowing how long Cigna will help you out is essential. To know this, you’ll again have to get in touch with their team directly.
Your best bet is to speak to the rehab first and try to gauge how long the treatment will last. You can then give Cigna a rough estimate, and they’ll let you know how much of the time will be covered by them.
Are Both Inpatient and Outpatient Treatment Covered?
There are two types of treatment available from rehabilitation centers; inpatient and outpatient. Inpatient or residential treatment is the traditional option, where you or your loved one checks in for a stay in the rehab, living within the safe, comfortable, and welcoming environment while they receive the help they need. Outpatient treatment is for people who’d prefer or need to live at home but will come into the rehab for treatment sessions.
Cigna will cover both inpatient and outpatient treatment, which is good news! This gives you far more freedom to choose a plan that works for you.
How to Find a Cigna Rehab in San Diego
If you’re on the hunt for a San Diego rehab that accepts Cigna, you can ask Cigna directly, or do a quick Google search to find rehabs near you. When choosing a rehab, here are some ways you can make sure it’s a reputable option that’s going to offer the treatment you’re looking for:
- Check out online reviews from past clients
- Browse their services to see if they offer what you’re looking for
- Keep an eye out for evidence-based therapies
- Look at the center and make sure it’s welcoming and comfortable
- Check the location is easy to get to
- Take a look at any social media profiles
Make sure the center you choose is professional, has a team of trained staff, and looks like somewhere you’d want to stay.
Get In Touch With Restore
If you’re looking for a Cigna rehab in San Diego, look no further than Restore! We offer a range of addiction treatment therapies, including detox programs, cognitive behavioral therapy, and music therapy. We have doctors, therapists, and even personal trainers on-site to aid recovery, and we’re trusted by hundreds of people who have regained control of their lives after staying with us.
Get in touch with our team today to find out more!