Background Image
In-Network with AAC

Cigna Insurance Coverage for Alcohol Rehab

When looking for drug and alcohol rehab, one of the first questions many people ask is, “How much will it cost?” If you have Cigna Health insurance, there’s a good chance your policy will provide financial assistance and cover some or all of the costs for drug and alcohol addiction treatment. Your out-of-pocket costs will depend on the particular plan you have, your location, and which rehab center you choose for yourself or your loved one.
Step 1/4 Check Coverage
* These fields are required
If you or a loved one are experiencing a medical emergency, call 9-1-1 immediately.

What Is Cigna Insurance?

Cigna is one of the leading health insurance providers in the United States, with over 180 million members.1 The company has a network of over 1.5 million relationships with healthcare providers globally and a network of over 175,000 mental health and behavioral care health providers—a number that has grown by more than 70% since 2016.1

Cigna Insurance Plans and Coverage Levels

Cigna offers a number of different coverage plans to individuals, employers, and families. Types of plans include:2

  • Exclusive provider organization (EPO). EPOs let you choose from a network of participating providers, and may require you to choose a primary care provider (PCP). Out-of-network costs are usually not covered.
  • Point-of-service (POS). In a POS plan, you must choose a PCP and will need a referral from them to see a specialist. POS plans allow you to see in- or out-of-network providers, but you will pay higher costs for out-of-network care.
  • Health maintenance organization (HMO). With an HMO, you must choose a PCP within a local network. HMOs generally cost less than other healthcare plans, so long as you stay in-network.
  • Preferred provider organization (PPO). PPO insurnace gives you access to a large network of healthcare providers, and you do not need to choose a PCP. You can also see a specialist without a referral.

Cigna provides members with coverage to get the assistance they need to get and stay sober. Cigna has a thorough list of in-network providers that provide quality, cost-effective drug and alcohol addiction treatments.

Types of Addiction Treatment Covered 

Under the Affordable Care Act (ACA), most insurance companies must cover substance use treatment in some way.5 Forms of addiction treatment Cigna may cover include:

  • Medical detox.
  • Inpatient rehab and residential treatment.
  • Outpatient rehab.
  • Counseling and therapy.
  • Medications for addiction treatment (MAT).

But exactly what Cigna covers will depend on your plan and the state you live in, as well as the length, intensity, and setting of treatment.

Does Cigna Cover Inpatient Rehab for Alcohol?

Depending on your plan, Cigna may pay some of the costs of your inpatient rehab. Cigna’s lowest plan (bronze) offers the lowest monthly premiums, but you will pay higher deductibles and generally have more out-of-pocket expenses. For those with gold and platinum plans, your out-of-pocket costs will be lower.

Inpatient treatment programs covered by Cigna may either be part of a hospital program or a standalone residential treatment facility. Your stay may vary in length from 6 weeks to 3 months, depending on your needs and how your recovery is going. Cigna Insurance for alcohol addiction treatment typically covers any treatment length that is recommended by a medical professional to treat the patient’s addiction.

Types of Inpatient Rehab

Your Cigna insurance coverage may cover inpatient substance abuse treatment programs including:3

Generally speaking, it is best to choose a provider that is in-network with Cigna to keep your out-of-pocket expenses lower. Cigna pays more of the cost when you work with an in-network provider. You may still have some out-of-network expenses, but fewer than you would if you choose a provider within the Cigna network.

Does Cigna Cover Outpatient Rehab for Alcohol?

Cigna may cover some or all of the cost of your outpatient rehab costs, depending on the particular plan you have. Outpatient treatment programs take place in a variety of places, including hospitals, mental health clinics, therapist offices, and rehab facilities. In outpatient rehab, you do not stay overnight or live where you are receiving treatment.3

Cigna health insurance has partnerships with drug and alcohol addiction centers in order to provide outpatient rehab services at discounted rates to members. These facilities are considered in-network. Depending on your plan, you may also go to out-of-network providers, oftentimes for a higher, less discounted rate. Covered expenses are determined by your plan, the outpatient rehab you have chosen, and the number of days you will be attending.

Types of Outpatient Rehab

Outpatient rehab services that may be covered by Cigna insurance plans include:

Does Cigna Cover Mental Health Treatment?

Cigna insurance does cover mental health treatment.4 The amount covered is dependent on your particular plan and the services you are receiving. Cigna has a focus on helping individuals and employers address whole-person health—including mental health. The company provides support across the health spectrum, and this includes mental health treatment.

Many people living with substance use disorder and addiction troubles may also have mental health issues including PTSD, anxiety, and depression. These are known as co-occurring disorders. Cigna covers mental health treatment when you are in inpatient and outpatient rehab, and outside of rehab as well.

What Does Cigna Insurance Cover?

Cigna health insurance plans cover substance use disorder treatment for most addictions. Most drug rehab centers that accept Cigna can treat almost any addiction and offer a range of individualized services to meet your particular needs. Cigna may offer addiction treatment for the following substances:

  • Alcohol.
  • Benzodiazepines.
  • Cocaine.
  • Heroin.
  • Prescription opioids.
  • Marijuana.
  • Methamphetamine.
  • Stimulants.
  • Sleep aids/sedatives.
  • Other substances.

Options if Cigna Does Not Cover Rehab Costs

No matter what your insurance plan covers, it is important not to let cost be a deterrent from getting the help you need to get and stay sober. Inpatient and outpatient rehab saves lives. There are many alternative methods to help pay for the expenses insurance doesn’t cover. Some rehab facilities offer payment plans for any out-of-pocket expenses you incur, and others offer scholarships and grants to those who need financial assistance.

To better understand what your options are, call your provider at 1-800-88CIGNA or create an account at to review your plan’s coverage.

How to Verify Cigna Insurance Coverage for Rehab is a subsidiary of American Addiction Centers (AAC), a nationwide provider of alcohol treatment centers throughout the country. We partner with a number of different insurance providers and are ready to share more with you about your treatment options.

To learn more about treatment options and what your insurance may cover, give us a call at .

Get the Care & Support You Need

Rediscover your joy during your stay at one of our American Addiction Center's facilities. We provide you the care you need to get clean and stay sober.

Call 888-685-5770

Guides for other health insurance providers