Cigna Insurance Coverage for Addiction Treatment Services
At Safe Haven Recovery, we’re committed to helping you reclaim your life in a supportive, judgment-free environment. Health insurance makes it easier to access the treatment you need, but we understand how challenging it can be to determine what’s covered and what you can expect to pay out of pocket.
If you have Cigna insurance, you can use it to cover the costs of rehab services. The exact coverage available depends on the terms of your Cigna plan, but it’s much easier to get help when you address potential cost barriers beforehand. Learn more about using your Cigna Healthcare coverage to pay for addiction treatment.
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How Cigna Insurance Supports Addiction Treatment
Cigna is one of the largest health insurance companies in the United States, offering group insurance plans, Medicare Advantage Plans, Medicare Part D, Medicare Supplement Insurance and individual plans on the ACA marketplace. The company also has a behavioral health division, providing members with coverage for substance abuse treatment.
Common services covered include supervised medical detox, inpatient treatment, outpatient treatment, partial hospitalization and intensive outpatient treatment. Under the Mental Health Parity and Addiction Equity Act of 2008, Cigna and other insurers must treat mental and behavioral health services the same as physical health services. This means an insurance company can’t impose limits on mental health care if it doesn’t have the same limits for surgery, diagnostic tests and other medical care.
What Types of Addiction Treatment Services Are Covered?
Cigna insurance coverage varies by location and plan type, but it’s common for Cigna to cover these services:
- Medical Detox: Detox is the first step in stopping substance abuse and recovering from an addiction, so it’s often covered by Cigna insurance. Supervised detox gives you an opportunity to withdraw from substances while under the supervision of licensed medical professionals.
- Residential/Inpatient Treatment: Cigna health insurance typically covers residential/inpatient treatment, but there may be limits on the number of days you can stay at a treatment facility.
- Outpatient Programs (IOP and PHP): Cigna covers several types of outpatient treatment, including counseling, medication management, therapy and structured IOP/PHP programs. The amount of coverage available depends on your plan.
- Medication-Assisted Treatment (MAT): As part of its behavioral health benefits, Cigna typically covers medications and related services. You may be required to use an in-network provider or obtain preauthorization before receiving this type of addiction treatment.
- Dual Diagnosis Treatment: Cigna also covers treatment for co-occurring mental health conditions. This is when you have a substance use disorder and at least one other mental health diagnosis, such as post-traumatic stress disorder or generalized anxiety disorder.
This place is awesome! Great techs, great therapists, great clients, great owners, and a great chef! It went beyond my expectations, and this was my first time in rehab. Safe Haven is highly recommended by me.
- Donna M.
Understanding Your Cigna Insurance Plan Details
Cigna offers several types of plans, including health maintenance organizations (HMOs), preferred provider organizations (PPOs) and exclusive provider organizations (EPOs). The amount of coverage available for rehab services depends on which type of plan you have.
Out-of-Pocket Costs
Just because Cigna covers these services doesn’t mean they’re completely free. It’s common for health insurance plans to have deductibles, copays, and coinsurance. Your deductible is the amount of money you must pay out of pocket before your insurance company begins to cover any expenses.
A co-pay is a flat fee paid for each service, and coinsurance is a percentage of the costs you pay after you meet your deductible. Finally, you need to know your out-of-pocket maximum, which is the maximum amount of money you’ll pay for services in a plan year.
These terms can be confusing, but Safe Haven Recovery is here to help you decipher the terms of your health benefits.
Use Our Insurance Verification Form
You don’t have to interpret your insurance policy alone. Use our insurance verification form to quickly verify if your Cigna plan is accepted. Safe Haven Recovery will process your request promptly and maintain the confidentiality of your private information.
What If My Cigna Insurance Doesn’t Cover Everything?
If your insurance plan doesn’t cover everything, you may be eligible for sliding-scale fees or other forms of financial assistance. It’s also possible to get grants or medical loans to help you pay for addiction treatment.
You can reduce your out-of-pocket costs by understanding your plan’s preauthorization requirements. Safe Haven Recovery has helpful staff members available to help you understand the ins and outs of your plan. It’s also possible to appeal denied claims. To improve your chances of a successful appeal, follow these tips:
- Provide plenty of supporting documentation.
- Write an appeal letter explaining why the original decision was incorrect. Cite the relevant terms of your plan documents.
- Follow your plan’s appeal guidelines. You may have to use a specific form or send certain documents.
Next Steps After Verifying Your Cigna Insurance Coverage
Once we confirm your coverage, our admissions process makes starting rehab a seamless experience. You may be able to start your treatment within 24 to 48 hours. At Safe Haven Recovery, we offer 24/7 support for admissions and insurance guidance, which prevents delays and ensures you can begin treatment as quickly as possible.
Verify Your Insurance
Please complete the following information for the person seeking treatment. One of our dedicated team members will contact you immediately to go over your coverage, treatment options and information on admissions.
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Get Immediate Support for Cigna Insurance Questions
Safe Haven Recovery has admissions specialists available 24 hours per day, 7 days per week. If you have questions about your Cigna benefits, contact our team for immediate help. Verification is completely free and confidential.
More on Insurance & Coverage for Professionals
The type of coverage you have often depends on your job and your income. Learn more about navigating insurance as a professional in our rehab insurance coverage guide.
Take the First Step Toward Recovery Today
With Cigna insurance, effective, affordable help for a substance use disorder is possible. Now is the best time to begin your recovery, so take the first step by verifying your insurance coverage, contacting us for more information or starting the admissions process.
Client Reviews & Success Stories
We value the feedback from our many clients and we are proud of these success stories. Knowing we have made a positive impact on the lives of these individuals and families is most important to us.
John Chaney
1 year ago
After going to several Behavioral programs, Safe Haven was by far the best in-patient facility I’ve ever been to. They have a great clinical team and therapist that make a difference….
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Megan Chaney
10 months ago
Save Haven was by far the best in-patient facility I’ve ever been to. They have a great clinical team and therapist that make a difference. This was by far the best in-patient facility I’ve ever been to. They have a great clinical team and therapist that make a difference….
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Jazz j
10 months ago
Thank you, thank you! You have made the process seemless and we have been treated with such grace Thank you.
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Cigna Rehab Coverage FAQs
What levels of care does Cigna cover for addiction treatment and mental-health treatment?
Cigna plans usually cover a range of services for substance use disorders and co-occurring mental health conditions. Common covered services include:
- Medically-Supervised Detox
- Residential / inpatient Treatment
- Partial Hospitalization Programs (PHP)
- Intensive Outpatient Programs (IOP)
- Outpatient Programs and Therapy
- Medication-Assisted Treatment (MAT)
Does Cigna cover dual-diagnosis (addiction + mental-health) treatment at Safe Haven Recovery?
Yes. Cigna provides behavioral health benefits that apply to both substance abuse and mental health services under parity laws. Safe Haven Recovery’s rehab program in Beverly Hills & Los Angeles integrates addiction and mental health care in one clinical setting, which aligns with Cigna’s dual-diagnosis treatment criteria.
How do I verify my Cigna benefits for addiction treatment and mental health treatment?
To verify:
Locate your Cigna member ID on your insurance card
Call Cigna’s member services and ask specifically about “behavioral health/substance use disorder benefits”
Confirm whether Safe Haven Recovery is in-network (or what out-of-network benefits apply)
Inquire about prior authorization, deductibles, co-insurance, and any day-limit restrictions for detox or residential care
Safe Haven Recovery’s admissions team can assist with this entirely.
Will Cigna cover luxury or boutique rehab amenities?
Cigna generally covers evidence-based, medically necessary treatment services. While Safe Haven Recovery offers luxury amenities (private suites, spa-level wellness, sauna, etc.), these are considered enhancements and may not be fully covered unless deemed medically necessary. You may be responsible for additional costs beyond core treatment.
How quickly can I begin treatment using Cigna benefits at Safe Haven Recovery?
Once benefits are verified and any required authorizations completed, placement can often be arranged promptly. Safe Haven’s admissions team works 24/7 to accelerate the process using your Cigna coverage in the Los Angeles / Beverly Hills area.
What out-of-pocket costs can I expect with Cigna for dual-diagnosis rehab?
Your costs depend on your specific Cigna plan (HMO vs PPO), whether Safe Haven Recovery is in-network, deductible status, co-insurance percentage, and day-limits. Following insurance verification, Safe Haven Recovery will provide a cost estimate and explain what you’ll owe.
Does Cigna limit the number of days or types of care for rehabilitation?
Coverage details vary by plan and may include limits on residential stay days or require step-downs to outpatient care. Safe Haven Recovery will collaborate with you and Cigna to structure a care plan that aligns with benefit maximization but also fits your clinical needs.
Does Cigna cover aftercare, alumni programs, or peer-support groups for addiction and mental health?
Many Cigna plans include outpatient therapy, relapse prevention, and continuing care services under their behavioral health benefits. Safe Haven Recovery supports connection to local aftercare groups, alumni programming, and support networks throughout the Los Angeles / California region.
Do I need to do anything special before admission to ensure Cigna coverage?
Yes. To ensure smooth coverage with Cigna:
Confirm plan is active and member ID is correct
Get prior authorization if required
Provide clinical documentation, diagnosis, and recommended level of care (detox/residential)
Submit benefit check through Safe Haven Recovery early to clarify coverage and next steps.
How can I start the verification and admissions process with Safe Haven Recovery using Cigna?
Call (855) 893-3566 or complete our online insurance verification form. Provide your Cigna plan details and member ID — our admissions team will verify your benefits, discuss your treatment options in Beverly Hills / Los Angeles, and guide you through your next steps.
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We accept most major insurance providers including the ones displayed here.
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