Cigna Coverage for Addiction Treatment

Most Cigna plans include coverage for addiction treatment services. However, specific coverage details, deductibles, and copayments vary by plan type and individual policy.

Steps to Verify Coverage:

1. Call the member services number on your insurance card
2. Provide your member ID and group number
3. Ask about your behavioral health and substance abuse benefits
4. Inquire about in-network treatment facilities
5. Confirm your deductible and out-of-pocket maximum
6. Ask about pre-authorization requirements

Important Questions to Ask:

• What percentage of treatment costs are covered?
• Are there limits on the number of treatment days?
• Which levels of care are covered (inpatient, outpatient, detox)?
• Do I need a referral from my primary care physician?
• What is the difference in coverage between in-network and out-of-network providers?