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Cigna Insurance

It takes courage and fortitude for someone to admit they or their loved one needs help. After all, not everyone can face up to the fact that their substance use has become a problem. But sometimes detox and addiction treatment costs can hinder those in need of professional help for a substance use disorder. Even for those willing to do the research, all the questions regarding coverage, provider networks, drug formularies, deductibles, and out-of-pocket expenses can be overwhelming.

While finding answers to these questions can be time-consuming and emotionally draining, it may help to know that Brentwood Springs Detox in Nashville is an in-network healthcare provider with Cigna. Cigna has long been proactive when it comes to meeting the mental health needs of its members. With this partnership, finding Cigna-covered detox in Nashville is that much easier.

Cigna Detox in Nashville can help to make treatment more affordable.

What is Cigna?

Cigna is a Bloomfield, Connecticut-based global health service company dedicated to helping people improve their physical, mental, and emotional health. Cigna employs 74,000 people to serve more than 150 million members around the world.

The name Cigna stems from the 1982 merger of the Connecticut General Life Insurance Company (CG) and INA Corporation (the parent corporation of Insurance Company of North America). By working closely with members, healthcare providers, clients, and communities, Cigna creates personalized healthcare solutions and promotes holistic therapies.

Cigna’s Health Plans

Cigna’s health insurance plans fall into three main categories:

  • Health maintenance organization (HMO) plans. HMO plans tend to work well for those who can work with a limited number of healthcare providers within Cigna’s provider network. These plans cover healthcare services provided by physicians and facilities contracted directly with Cigna.
  • Preferred provider organization (PPO) plans. PPO plans enable members to choose from a wide range of providers. Again, receiving healthcare services outside of Cigna’s provider network can result in significant costs out-of-pocket.
  • Exclusive provider organization (EPO) plans. Cigna’s EPO plans allow members more flexibility in selecting a healthcare provider or facility for their needs. That said, Cigna may not cover services if these providers or facilities are not in-network.

On the health insurance marketplace, Cigna offers four levels of individual health plans: Bronze, Silver, Gold, and Platinum. Each plan level covers a different share of one’s healthcare bills. Platinum is the top-of-the-line and therefore most expensive plan, with Cigna paying 90% of members’ healthcare bills. Gold covers 80% of members’ healthcare bills, Silver covers 70%, and Bronze covers 60% of bills.

Does Cigna Cover Detox in Nashville? 

The Affordable Care Act must cover mental and behavioral health treatment as essential health benefits under all health insurance plans, with very few exceptions. These benefits include mental health and addiction treatment, including detox.

Nearly all Cigna health plans cover the following services:

  • Detox
  • Inpatient or residential care
  • Partial hospitalization program (PHP)
  • Intensive outpatient (IOP) program 
  • Outpatient (OP) treatment
  • Aftercare services

For extra peace of mind, one will want to check with their Cigna representative regarding what exactly is and is not covered under their plan. Plus, while Cigna covers detox in Nashville, it may offer limited benefits regarding specific treatments and services. Also, out-of-pocket costs like monthly plan premiums, copays, deductibles, and other potential costs will vary, depending on the specifics of one’s plan.

Does Cigna Cover Medication-Assisted Treatment?

In general, Cigna covers addiction treatments if they are considered a medical necessity. They also cover addiction treatment if they are being practiced by a healthcare provider that is in-network, such as Brentwood Springs Detox. Medication-assisted treatment (MAT) is the use of prescription medications in combination with counseling and behavioral therapies.

As a result, MAT provides a “whole patient” approach to the treatment of substance use disorders. The medications commonly used in MAT have been approved by the U.S. Food & Drug Administration and are known to relieve the withdrawal symptoms and psychological cravings that contribute to relapse. In many cases, MAT is considered a medical necessity.

Cigna plans cover some medications commonly used in MAT when it’s medically necessary, including:

  • Naltrexone
  • Buprenorphine
  • Methadone
  • Clonidine
  • Suboxone (buprenorphine plus naloxone)

Of course, whether Cigna covers the specific prescription medications involved in a person’s MAT depends on that person’s specific plan. For some “higher tier,” medications, Cigna may only cover that medication’s generic equivalent.

What Cigna Does Not Cover

While the majority of detox-related services are typically covered by Cigna, some services are not. These include:

  • Non-medical amenities such as private rooms or private nurses
  • Holistic care services such as yoga and meditation
  • Recreation programs

Will I Have to Pay a Deductible for My Coverage?

A deductible is the amount of money that Cigna members must pay out of their own pocket before the plan starts covering healthcare services. Whether someone will have to pay a deductible with Cigna for detox in Nashville depends on the type of plan they have.

It also depends on the state of residence and whether the provider is in-network or out-of-network. For these and other reasons, reaching out to a Cigna representative to discuss options and what they might mean is a good idea.

A family who has benefitted from Cigna Detox in Nashville.

Learn More About Cigna-Covered Detox in Nashville, TN Today

Addiction to drugs and alcohol can have long-lasting negative effects on your physical and mental health, your finances, your relationships, and your family. A medically supervised detox represents the crucial first step toward recovering your well-being and winning back your life. If you or a loved one is struggling with substance abuse, Brentwood Springs Detox can help. While consulting with a Cigna representative will likely answer your insurance-related questions, our team can also field any questions you may have.

Contact us today to utilize the benefits of our detox programs and addiction treatment services, and start living your best life.

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    24/7 Help Is Standing By, Call Us Now.