Cigna’s Addiction Treatment Coverage
Cigna is a worldwide health services organization, so naturally they also provide coverage to many Illinois residents. They have different types of coverage plans and services, but the main plan offered to those in the state is Cigna Connect. However, the specifics of this plan may vary depending on the individual and their employer. Regardless, we are here to help you through the waves of complex insurance information. For example, here is a quick summary of what you will find with the Cigna Connect plan:
The Cigna Connect plan provides you with access to hospitals, doctors, and other medical facilities in your area. Additionally, Cigna offers three types of Connect plans: bronze, silver, and gold. To clarify, the difference between these plans is the percentage of the cost that the insurance company pays on your behalf. Obviously, members with Cigna Connect Gold plans pay less for medical treatment than those on the bronze plan. However, gold members will also be paying higher monthly premiums than bronze member. Above all, the focus is on your sobriety. Don’t let complicated insurance details stop you from reaching out and getting help today.
The Cost of Treatment
Copays, deductibles, and coinsurance will all vary according to your individual coverage. In other words, the amount that you pay out of pocket for medical care depends on the type of plan that you have with Cigna. Specifically, addiction treatment may be covered under your plan, so reach out to Cigna today and see if your rehab care will be fully or partially covered. Insurance companies exist to help you pay for expensive care, so remember that we are all here to help you, and getting you clean and sober is first priority for everyone.
Using Other Payment Methods
Cigna Connect with three different types of plans makes it easier for the customer to research and understand. However, some clients may not have insurance coverage to help pay for treatment. In these situations, it can seem like there is nothing you can do but give up hope. Even if you don’t have health insurance, there are still ways to get your treatment paid for.
What About Medicare and Medicaid
Medicare and Medicaid can sometimes be used to cover the cost of treatment. There is no specific Medicare benefit category for substance abuse, but addiction treatment is covered by Medicare and Medicaid in reasonable and necessary circumstances. Keep in mind that this applies to both inpatient and outpatient care. Fortunately, Medicaid in Illinois does cover substance abuse treatment for adults undergoing drug and alcohol addiction. Importantly, there are several centers in most major cities that accept Medicare and Medicaid.
Where to Find More Information
To learn more about something, it’s best to go straight to the source and read about it there. With this in mind, looking through your insurance company’s website for a substance abuse or mental health section. Within you will be able to find substance abuse treatment options that your insurance covers. You can even look for a specific rehab facility, then make sure to check your insurance company’s website as well to make sure the provider is covered by your plan.
If Medicare and Medicaid are still not options, many rehab centers offer payment plans for those with limited finances. Additionally, other rehab centers may offer their services on a sliding fee scale as well.
You deserve the right information and a plan to get clean. Call us today at 815-384-1376 to get this plan set and find out how you will get back to being clean and sober
More Information About Cigna
Getting started on the road to recovering from drug and alcohol addiction can be complex and difficult. Sometimes it’s hard just knowing where to start. Now that you know a little bit more about Cigna and what they provide, think about what payment option is best for your finances. Knowing the difference between the different insurance companies, coverage plans, and methods of payment is an important part of planning out and agenda to get sober.
Medicare and Medicaid are viable options that can potentially cover up to all your treatment costs. However, don’t lose hope if you don’t qualify for Medicare or Medicaid. Payment plans and sliding fee scales are used by rehab centers all across the nation to help people who have fallen on hard times find a way to pay back the fresh start in life that rehab gives them.
Reach Out for Assistance Today
Many people throughout the state of Illinois have been trapped by substance addiction. These people are our neighbors, and we want to help as best we can. If you can’t pay for your treatment with insurance, there is still hope for you to get sober. To conclude, we will be here to help no matter what, so call the number above and get your sobriety started.