CIGNA HEALTHCARE AND DRUG REHAB / ALCOHOL DETOX COVERAGE

(Please note: centersforrehabservices.com strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with our help line representatives or your insurance carrier directly to confirm coverage levels.)

 

“Whether coverage is available also depends on the severity of the addiction, which is often measured through a physical and mental examination provided by a doctor.”

The answer to this question is not always a simple yes or no. Health-care plans vary, and people often have different levels of coverage. In some cases, one detox center may be covered, while another location is not. Whether coverage is available also depends on the severity of the addiction, which is often measured through a physical and mental examination provided by a doctor. This will help the insurance company to make a more informed decision.

Does Cigna Cover Rehab?

Going to a rehabilitation facility is usually the next step after going through detox. Rehabilitation teaches strategies for living clean and how to avoid using drugs or alcohol in the future. Many different types of rehab centers are available, and depending on the health plan, Cigna may or may not cover the treatment. It is important to discuss this topic with a trusted source in order to get the most accurate information available.

Addiction Treatment Length Cigna Will Cover

Your Cigna insurance policy may allow you to go to a private rehab center. Private rehab centers are typically less crowded and offer better care than public facilities. However, both are confidential and discreet. According to Pavillon, the length of your stay will primarily depend on the severity of the addiction. The duration can range from weeks to months, depending on what the counselor and the patient decide.

Specialty Alcohol and Drug Treatment Through Cigna
executive rehabDepending on your coverage, it may be possible to go to a specialty center that allows you to learn how to beat addiction while enjoying exclusive amenities. Many people imagine rehab as being dull and lifeless; however, it is possible to add an element of luxury. For those who have busy lives and are heavily invested in their work, another option is available as well. Known as executive rehab centers, these places cater to the needs and demands of CEOs and celebrities, according to rehabs.com. These people need to be able to interact with their clients and stay committed to their work duties while going through treatment.

Verifying Coverage and Finding the Best Treatment
insurance

All this information can be overwhelming, especially if you or someone you know is currently suffering through an addiction. However, knowledgeable advisors are available who will be happy to help verify insurance coverage and find the best treatment for you. centersforrehabservices.com networks with leading alcohol and drug rehabs in order to help people find facilities that will accommodate their needs. We have a 24/7 hotline that you can call.

CIGNA HEALTHCARE

Cigna is a global healthcare insurance company with policies in three categories of silver, gold, and platinum. It covers a wide range of health and well being programs globally offering both outpatient and inpatient services. It has flexible premium modules. It is easy to subscribe, and easy to manage; suitable for every home and business venture.

CORE VALUES

Cigna has signed a commitment to partner with citizens on the best practices regarding their health. It is a kind of health security where your state of wellness is managed by experts who dutifully manage your health and family’s 24 hours every day.

This is a commitment made with the knowledge that a person’s state of well-being is both physical and mental. Cigna’s core values are to ensure that those that have been victims of substance abuse be given proper care and treatment. To ensure that they are made fit to start a normal life again. To put them back on their feet, and to make them productive citizens of their family’s and the society at large.

Cigna believes that everyone suffering from mental health and substance abuse disorder should have access to good health care. This should be done without gender discrimination or greed. All should be given equal preference no matter the diagnosis, the patient’s geographical location, color, or socioeconomic background. Cigna has a belief hinged on a 2005 Institute of Medicare report on improving the quality of healthcare for mental and substance use conditions, which is summed up in six statements:

  1. Quality mental health and substance use disorder care needs to be safe,
  2. Effective
  3. Patient-centred
  4. Timely
  5. Efficient
  6. Equitable.

Cigna core principles and values are hinged on these beliefs; the road to wellness is not bias of individuals, diagnosis, reports, age, sex or color.

WHAT DO THEY DO?

Global health insurance, covering inpatient and outpatient services globally

CIGNASERVICES

Cigna offers a wide range of global health insurance policies. Cigna‘s global health insurance policies cover America and over 200 other countries. Cigna medical network is wound around over one million hospital and medical professionals around the world. Cigna offers three basic levels of cover that include Silver, Gold, and Platinum.

COVERAGE POLICY AND GUIDELINE

Cigna believes that in considering to choose one of the health care policies, all the elements of Medical Necessity must be met as outlined in individual’s benefit plan documents. However, though there may be little variations as defined, what is required is their acceptability in accordance with generally accepted global standards. The history of the patient’s illness must be made available. This is for the purpose of matching patient’s previous healthcare.

WHO IS LEGIBLE?

Everybody is legible. There three plans to choose from silver, gold, and platinum with different ranges of benefits.

HOW TO CREATE A PLAN

Cigna has three levels or grades of plan silver level, gold and platinum, with each inclusive of International Medical Insurance. Cigna boasts of simple, flexible. and efficient plan creation services. You only pay for the cover you need. Cigna also offers two coverage area options depending on client’s needs and location:

  • Worldwide including USA and
  • Worldwide excluding the USA

There are also modules to choose from:

  • International Outpatient
  • International Medical Evacuation
  • International Health and Wellbeing, and
  • International Vision and Dental

These options offer the flexibility of creating a health insurance plan that caters for and suits a subscriber needs. There is also a wide range of cost-share and deductible options on International Medical Insurance and International Outpatient. They make it easy for a plan that will suit the exact needs of a subscriber’s budget.

  • Step One: Select your Core Plan – International Medical Insurance

Select one of the core inpatient plans, which cover subscriber’s essential hospital stays and treatments inclusive of:

  • Surgeon and consultation fees
  • Hospital accommodation
  • Cancer treatment

Choose from two cover options:

  • Worldwide including USA
  • Worldwide excluding USA

Annual Benefits

Up to the maximum amount per beneficiary per period of cover

  • Silver: $1,000,000,000 / €800,000 / £650.000
  • Gold: $2,000,000,000 / €1,600,000,000 / £1,300,000
  • Platinum: Unlimited
  • Step Two: Add modules
    1. International Outpatient

This module is for more extensive outpatient care for treatment that does not require patient to be hospitalized. It includes prescribed outpatient drugs and dressings.

    1. International Health and Well being

This entails proactive health management services, inclusive of screening against disease, test against common illnesses and routine physical exams

    1. International Medical Evacuation
    2. This covers evacuation of the subscriber in the eventuality that treatment is not available locally in an emergency. It also entails repatriation, allowing the beneficiary to return to their country of habitual residence or nationality.
    3. International Vision and Dental
This module includes vision care’ eye care test, routine preventive tests and other eye care related tests and medication and dental treatment.

  • Step Three: Manage your PremiumChoose to add deductible or cost share(This is the voluntary amount you have chosen to pay that is not covered by your plan)
  • Step Four: Pay for your planYou pay for your plan choosing from any of the options: pay monthly, quarterly, or you pay annually. Also, payment can be made via a debit card or credit card. Also, you have the option of paying your premium by bank wire transfer if you have choosing the annual premium payment module.

EXPLANATION ON DEDUCTIBLE, COST SHARE AND OUT OF POCKET MAXIMUM

The deductible and/or cost share options are on the International Medical Insurance and / or International Outpatient plans. These options are not available for Inpatient cash benefits. You will be responsible for paying the amount of any deductible and cost share directly to the hospital, clinic or medical practitioner.

If your options are both a deductible and a cost share, the amount you will need to pay due to the deductible is calculated before the amount you will need to pay due to the cost share. The out of pocket maximum is the maximum amount of cost share any beneficiary must pay per period of cover.

Examples:

    1. Deductible (or excess)

This is the amount of money you pay towards your medical expenses per period of cover.

Claim value: $1200
Deductible: $500
You pay deductible of $500
Cigna pays: $700

It means you pay the deductible amount of $500 and Cigna will pay the balance $700

    1. Cost share and out of pocket maximum after deductible (when your cost share after deductible amount is out of pocket maximum)

This is the percentage of every claim you will pay. Out of pocket is the maximum amount you would have to pay in cost share per period of cover

Claim value: $5000
Deductible: $0
20% cost share: $1000
Out of pocket maximum: $2000
You pay the 20% cost share of: $1000
Cigna pays : $4000

It interprets thus, your cost share is 20% of $5000 which is equal to $1000, this is less than your out of pocket maximum so you pay $1000 and Cigna pays the balance.

    1. Cost share and out of pocket maximum after deductible (when your cost share after deducible amount is over the out of pocket maximum)

This is the percentage of every claim you will pay. Out of pocket is the maximum amount you would have to pay in cost share per period of cover.

Claim value: $20,000
Deductible: $0
20% cost share: $4000
Out of pocket maximum: $2000
You pay the out of pocket share of: $2000
Cigna pays: $18,000

It interprets thus; your cost share is 20% of $20,000 which equals to $4000. This is more than your out of pocket maximum, so you only pay $2000 and Cigna pays the rest.

    1. Deductible, cost share and out of pocket maximum after deductible (when your cost share after deductible amount is under the out of pocket maximum).

This is the percentage of every claim you will pay. Out of pocket is the maximum amount you would have to pay in cost share per period of cover.

Claim value: $20,000
Deductible: $375
20% cost share: $3925
Out of pocket maximum: $5000

You deductible of $375 and cost share of $3925, Cigna pays $15,700.

It interprets thus, after you paid your deductible of $375, your cost share is 20% of $19,625 which equals to $3925. This is not more than the out of pocket maximum, so you pay $3925 towards satisfying the out of pocket maximum for the cost share (and the initial $375 deductible that you paid at the outset) and Cigna covers the rest.

Note: The deductible, cost share after deductible and out of pocket maximum is determined separately for each beneficiary and each period of cover.

FLEXIBILITY

  • Efficient response to decisions on plan application within 24 hours
  • Offers sales and services in so many languages
  • Offers plans to suit every individual’s needs
  • Its billing system is direct with a provider
  • It provides a secure online customer area
  • Flexible dispatch of policy documents with options of online or by post

BENEFITS

Cigna customers enjoy immense benefits home or abroad, or on a trip with online access to a host of information and support service through the secure online Customer Area:

  • Customers can easily search for healthcare facilities in any location they find themselves
  • Guides on security and cultural information for a wide range destination round the globe
  • Access to safe ravel information

Note, Platinum and Gold plans include the Safe Travel by Cigna application, which includes helpful travel advice, country profiles, real time alerts, news for specific travel destinations etc.