DrugRehab.com provides information regarding illicit and prescription drug
addiction, the various populations at risk for the disease, current statistics and trends, and
psychological disorders that often accompany addiction. You will also find information on spotting
the signs and symptoms of substance use and hotlines for immediate assistance.
Treatment for addiction takes many forms and depends on the needs of the individual.
In accordance with the American Society of Addiction Medicine, we offer information on
outcome-oriented treatment that adheres to an established continuum of care. In this section, you
will find information and resources related to evidence-based treatment models, counseling and
therapy and payment and insurance options.
Treatment for addiction takes many forms and depends on the needs of the
individual. In accordance with the American Society of Addiction Medicine, we offer
information on outcome-oriented treatment that adheres to an established continuum of
care. In this section, you will find information and resources related to evidence-based
treatment models, counseling and therapy and payment and insurance options.
The recovery process doesn't end after 90 days of treatment. The transition back to
life outside of rehab is fraught with the potential for relapse. Aftercare resources such as
12-step groups, sober living homes and support for family and friends promote a life rich with
rewarding relationships and meaning.
Our community offers unique perspectives on lifelong recovery and substance use
prevention, empowering others through stories of strength and courage. From people in active
recovery to advocates who have lost loved ones to the devastating disease of addiction, our
community understands the struggle and provides guidance born of personal experience.
Health insurance is the most common method of payment for alcohol or drug rehab. Cigna Health Insurance covers numerous types of treatment to help its customers recover from the disease of addiction.
Yes. Most Cigna plans cover drug and alcohol rehab, including medical detox, inpatient and outpatient treatment, when it is medically necessary. Your cost depends on your deductible, coinsurance and whether the facility is in Cigna's network.
Rehabs That Take Cigna: Our In-Network Campuses
These treatment centers are in network with Cigna. Network status is set plan by plan, so admissions checks your exact policy, what it pays at each level of care and whether prior authorization is needed, on one call.
The Recovery Village Umatilla Umatilla · Detox, inpatient, PHP, outpatient, aftercare, inpatient mental health In network: substance use and mental health
Orlando Recovery Center Orlando · Detox, inpatient, inpatient mental health, PHP, aftercare In network: substance use and mental health
Orlando Outpatient Center Maitland · Outpatient, IOP, telehealth In network: substance use and mental health
The Recovery Village Kansas City Raytown · Detox, inpatient, inpatient mental health, dual diagnosis, aftercare, MAT, IOP In network: substance use and mental health
The Recovery Village Ridgefield Ridgefield · Detox, inpatient, PHP, IOP, dual diagnosis, MAT In network: substance use treatment
Network status last checked against our contract list on September 25, 2026. Plans change; admissions confirms coverage before you travel.
Does Cigna Cover Rehab?
Cigna Health Insurance is a global company that serves more than 15 million customers. In 2015, it processed more than 158 million medical claims, including claims for substance use disorder treatment.
The company displayed its commitment to treating drug addiction when its chief medical officer, Dr. Douglas Nemecek, rappelled down a 17-floor building in Atlanta to raise funds for Shatterproof, a nonprofit organization dedicated to preventing addiction. The Cigna Foundation donated $100,000 to Shatterproof in 2015.
All Cigna plans cover substance abuse treatment as required by President Barack Obama’s health care law. The Affordable Care Act lists alcohol and drug rehab as an essential health benefit that must be covered by all health insurance plans.
Rehab is the most effective way to recover from a substance use disorder. At outpatient and inpatient facilities, certified addiction professionals use evidence-based treatments to make clients as comfortable as possible during detox. Then they teach clients to abstain from alcohol and drug use through counseling and therapy.
Unfortunately, rehab is expensive. Rehab can cost between $5,000 and $50,000 depending on the type of treatment, length of treatment and other factors. But insurance covers a significant portion of how much rehab costs.
Types of Treatment Covered by Cigna
The cost of treatment and the portion covered by Cigna depend on whether treatment is inpatient or outpatient. Outpatient treatment usually involves multiple counseling, therapy and medical appointments at an outpatient rehab center each week. Many people with mild substance use disorders receive outpatient or partial hospitalization treatment.
Inpatient treatment is more appropriate for people with moderate or severe substance use disorders. During inpatient or residential treatment, clients live inside a rehab facility for multiple weeks or months. The amount of time that Cigna covers treatment varies by insurance plan.
Outpatient Services
All Cigna plans cover outpatient substance use disorder services that are in network, but you will probably be charged a copay or a percent of the claim for coinsurance. Few Cigna insurance plans cover out-of-network services. If out-of-network services are covered, your copay or coinsurance payment will usually be higher than for those of in-network provider. Your policy will detail the rates for copay or coinsurance payments associated with outpatient substance use disorder services.
Inpatient Services
Cigna insurance also covers inpatient substance use disorder treatment from providers that are in network, but you usually have to receive preauthorization. That means Cigna will determine that inpatient treatment is medically necessary before approving your coverage. Some plans also cover a portion of the cost for out-of-network providers, but the amount of coverage is usually lower.
Your copay or coinsurance payment will likely be higher than the cost of an outpatient visit, but Cigna will cover a large portion of the cost of treatment. In general, inpatient rehab takes at least 30 days. Your plan may limit the number of days that you spend in residential treatment. Check your policy for limits on length of stay.
Mental Health Treatment Covered by Cigna
Cigna’s coverage for treatment of other mental health disorders is similar to its coverage of substance use disorder treatment. Mental health care is an essential health benefit under the Affordable Care Act, so all insurance providers must cover mental health treatment.
Inpatient and outpatient centers treat co-occurring mental health disorders or common conditions such as eating disorders. Inpatient treatment is usually more expensive than outpatient treatment, and some Cigna policies may cover only in-network providers.
What Isn’t Covered by Cigna?
The limitations and exclusions of Cigna coverage vary by plan, but in general, Cigna plans do not cover complementary or alternative services, such as massage therapy, animal therapy, music or dance therapy, art therapy, acupuncture or yoga.
Other common exclusions:
Over-the-counter medications
Dental care
Routine eye care
Weight-loss programs
Cigna health insurance plans do not cover high-end treatment, such as luxury facilities, and it’s unlikely that they’ll cover additional amenities, such as a private room.
How to Pay the Difference
Cigna health insurance will cover the bulk of the cost of treatment, but individuals or families still have to find ways to cover copays, coinsurance payments and any complementary or alternative therapies that aren’t covered by their plan.
If you have money in savings, you can pay for the additional costs out of pocket. You may also decide to finance the additional costs by placing the balance on a credit card or by taking out a loan. Rehab facilities want their clients to be successful, so they’ll often work with you to develop cost-effective treatment plans and establish payment plans when necessary.
Aftercare Covered by Cigna
Some forms of aftercare treatment may be fully or partially covered by Cigna. Long-term counseling is usually covered, and some forms of drug testing may be covered. However, there are usually limits to the number of drug tests that Cigna will cover each year.
If your aftercare plan includes medication-assisted treatments or prescription drugs prescribed by an in-network provider, most Cigna plans cover a portion of the cost.
Some insurance plans also cover stays at sober living homes, but there are usually limits to the amount of time that someone is covered. After insurance runs out, you’ll have to find another way to pay for sober living.
Finding the Best Treatment
Finding addiction treatment usually begins with finding a facility that is covered by your insurance provider. However, you should also ensure that the facility you choose uses evidence-based treatments. If you have any co-occurring mental health conditions, make sure that the facility treats addiction and those conditions simultaneously.
Ask about the lengths of treatment the facility provides and how the treatment plans are developed. The best treatment centers also help clients establish aftercare plans to keep them on track after they leave the facility. By working with your insurance provider and your rehab facility, you can recover from addiction.
Medical Disclaimer: DrugRehab.com aims to improve the quality of life for people struggling with a substance use or mental health disorder with fact-based content about the nature of behavioral health conditions, treatment options and their related outcomes. We publish material that is researched, cited, edited and reviewed by licensed medical professionals. The information we provide is not intended to be a substitute for professional medical advice, diagnosis or treatment. It should not be used in place of the advice of your physician or other qualified healthcare provider.
Frequently Asked Questions
Does Cigna pay for rehab?
Usually, yes. Most Cigna plans cover drug and alcohol rehab when a clinician documents that it is medically necessary. Your plan decides which levels of care are covered, what you pay and whether prior authorization is needed, so check your specific policy before admission.
Which rehabs take Cigna?
The list at the top of this page shows each of our campuses that is in network with Cigna, by state, and whether that contract covers substance use treatment only or mental health care too. Admissions confirms your exact plan before you travel.
How long will Cigna pay for rehab?
There is no fixed number of days. Insurers approve residential and inpatient care in blocks and extend it through continued stay reviews based on medical necessity. Your treatment team sends clinical updates at each review, and the plan decides whether to authorize more days.
Does Cigna cover medical detox?
Usually, when an assessment shows that withdrawal needs medical supervision. Detox is typically authorized as its own level of care. Coverage depends on medical necessity, your plan and whether the facility is in network.
How do I check my Cigna benefits for rehab?
Call the member services number on your insurance card, or use the Verify your benefits button on this page and admissions will check for you. Ask about network status, covered levels of care, prior authorization, your deductible and your out-of-pocket maximum.
Chris Elkins worked as a journalist for three years and was published by multiple newspapers and online publications. Since 2015, he’s written about health-related topics, interviewed addiction experts and authored stories of recovery. Chris has a master’s degree in strategic communication and a graduate certificate in health communication.
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Cigna. (2017). Cigna HealthCare of New Jersey, Inc.: Individual HMO 3000. Retrieved from https://www.cigna.com/assets/docs/individual-and-families/2017/medical/nj/898857-sbc-cigna-hmo-3000-bronze-nj.pdf
Cigna. (2017). Cigna Health and Life Insurance Company: FL Cigna LocalPlus HSA 6200. Retrieved from https://www.cigna.com/assets/docs/individual-and-families/2017/medical/fl/895302-sbc-cigna-localplus-bronze-hsa-6200-bronze-orlando-tampa-so-fl.pdf
Cigna. (2017). Cigna Health and Life Insurance Company: FL Cigna LocalPlusIN 6800. Retrieved from https://www.cigna.com/assets/docs/individual-and-families/2017/medical/fl/895294-sbc-cigna-localplusin-6800-bronze-orlando-tampa-so-fl.pdf
Davis, J. (2015, October 7). Supporters of people living with substance abuse rappel down Downtown building. Retrieved from http://www.clatl.com/news/article/13085206/supporters-of-people-living-with-substance-abuse-rappel-down-downtown-building
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