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Cigna is a global health service company with more than 60 years in the health insurance industry. The company serves more than 170 million customers around the world.
Cigna offers several insurance plan types, including individual and family plans, group insurance plans, and Medicare and Medicaid plans.
If you have Cigna, the name of your plan will vary based on where you live. In California, for example, you might see the name “Cigna HealthCare of California” or some variation of this.
If you’re researching Los Angeles rehabs that accept Cigna, the team at Lumina Recovery can help you verify your insurance coverage.
Many Cigna plans cover substance use disorder treatment and mental health care services.
Services Cigna may cover include:
If you’re searching for rehabs that take Cigna insurance, our administrative team can help you verify what services are covered by your plan.
Under the Affordable Care Act (ACA), all plans sold through the health insurance exchanges (such as Covered California) must cover mental health disorders, substance use disorders, and treatment for alcohol and chemical dependency.
Additionally, federal law states that if a plan offers coverage for mental health and substance use disorder treatment, it must cover these services in the same way as it covers most medical and surgical services. This is called “parity.”
California law offers additional protections by requiring every California plan—regardless of where you obtained it—to cover certain mental health conditions.
While most individual and employer-based group insurance plans today provide some coverage for mental health and substance abuse treatment, not all do.
It’s important to verify your insurance before you start treatment, so you know exactly what’s covered. Our staff will help you make sense of your plan and get the maximum amount of coverage you are entitled to.
If we don’t work with your plan, you may have to pay for treatment out of pocket. Lumina Recovery offers several payment options. Here are some possible ways to pay for out-of-pocket treatment costs:
If you’re not sure whether your Cigna plan covers substance abuse treatment, our helpful team is ready to help.
Finances shouldn’t stop you from getting the life-changing treatment you need. We’ll help you to find payment solutions that work with your budget. Verify your insurance benefits or call us today at (877) 716-7515 to learn more.