Cigna Rehab Coverage


Cigna Rehab Coverage FAQs

How Does Cigna Decide My Rehab Claim?

Cigna rehab coverage makes decisions about their level of coverage based on your health plan. They comply with all Federal guidelines. Each claim decision is reviewed on a case by case basis. Cigna will look at services you use. They then follow national guidelines and other policies to determine if your claim is covered. Services they may be covered can include drug addiction rehab, blood-tests, surgeries, or hospital stays.

For drug treatment, you may need a doctor’s evaluation and recommendation first. Their claim is then decided on the “severity” of your addiction. If Cigna does not consider treatment to be needed, they won’t pay for it.

If they will not pay, your claim is denied. Cigna will send you a notice. You DO have the right to appeal. If you use up your appeals, it is then possible to have an independent doctor review your denied claim in a process called an “external review.”

To start an appeal with Cigna, call their Member Services with the toll-free number on your Cigna HealthCare ID card within 180 calendar days from the date of the initial payment or denial notice. If Member Services doesn’t resolve your issue, ask for an appeal.

Per Cigna’s Website, you will be notified in writing of the appeal decision within 30 calendar days for Pre Service and Post Service Medical Necessity appeals, and within 60 days for Post Service Administrative appeals

Does Cigna Cover Rehab?

Yes, Cigna rehab coverage is available for many plans! They base their alcohol and drug rehab coverage on a number of factors. The extent of it varies based on your plan. They sometimes cover partial treatment. In other cases, they cover full treatment and 100% of the cost. You may have to pay your deductible amount first before insurance coverage takes over.

Most Cigna plans have coverage for the following:

Inpatient Treatment
Partial Hospitalization
Intensive Outpatient Programs (IOP)
After-Care Program
Mental Health Programs
Behavioral Health Programs

To manage your Cigna Health Plan, or learn more about it, you can visit Cigna’s Website and use their online tool. They also have a mobile app.


How Long Does Cigna Drug Rehab Coverage Last?

Cigna rehab coverage usually lasts for 1-6 weeks. It is possible to be covered for several months. They base their coverage on a case-by-case basis.

Out-of-Network providers may incur additional costs.

Contact Cigna to confirm your level of coverage, if any, for out-of-network providers.


Does Cigna Allow for Treatment at Luxury Rehab Facilities?

Cigna allows certain, luxury and private rehabilitation centers. Luxury drug rehabs are often where wealthy people and celebrities will go for addiction help. They are often as nice as any hotel or resort you may use for a vacation spot. They usually have massages, acupuncture, hot-tubs, pools, and quality dining, in addition to other exclusive privileges.

Premier Settings

Premier Settings

Private Gyms

Private Gyms

Massage Therapy

Massage Therapy



Inpatient Addiction Treatment vs. Outpatient Treatment

This is one of the biggest choices a patient or their family will make when looking for addiction help.

Both options are better than not seeking treatment and could save your life. They each have their own strengths and weaknesses.

An outpatient facility is usually a local option. They give you the chance to meet with medical professionals like doctors, alcohol and drug counselors, or therapists, attend group sessions, and go to recovery meetings while being able to head home afterwards.

Inpatient facilities, also called residential programs, are most often 28 day programs. They provide structure and are typically remote destinations where you stay in the facility for the duration of the program.


Do I need Insurance to go to Rehab?

You are not required to have insurance to get addiction treatment. However, without insurance, the cost of drug rehab facilities is usually very expensive and impractical for most people. You would need to pay out of pocket. You can certainly pay with a credit or debit card, work out a payment plan, or use other methods that each facility accepts.

Typical inpatient rehabs may cost anywhere from $6,000-$20,000 for a 28 day program.

Outpatient Rehab can range from $4,000-$10,000 for 90 days. The cost of outpatient rehab will vary and is mostly based on how many visits are made


What Else Does Cigna Rehab Coverage Provide?

Cigna has a global network of more than 89,000 doctors and providers

A variety of plans you can customize and the ability to manage and adjust your plan.

24/7 Customer Support

Anything that you say is kept confidential, so you don’t have to worry about everyone knowing you may have trouble with alcohol or drugs.


Get Approved for Cigna Rehab Coverage Now!

Verifying what insurance will cover can be a time-consuming process. This hassle usually involves lots of waiting and multi phone calls back and forth. Our knowledgeable staff can verify your coverage for you and take the stress and annoyance out of this already difficult time. You have enough to worry about already. Verifying insurance coverage for rehab shouldn’t be an additional burden.

NOTICE: Step One Rehab works hard to make sure our information is accurate. Due to constant changes in insurance company policies, we suggest you contact your insurance company with your member ID ready to confirm your particular coverage or submit our free verification form to verify benefits.

Instead, give us a call now and let us handle this step, at no cost to you! We are totally confidential. Our number is 877-348-7494