Cigna Insurance and Addiction Treatment

cigna insurancePortland, Maine’s Pine Tree Recovery Center is among the premier detox facilities on the east coast, and offers world-class, substance-specific medical detoxification services. Pine Tree Recovery Center’s mission to help members of the Portland community heal physically, emotionally and spiritually includes ensuring that anyone who wishes to use insurance to participate in treatment with us can do so. After reviewing the frequently asked questions about your Cigna Health Insurance plan below, call us at 888-601-0135 anytime for more information, or to begin the admissions and assessment process.

Frequently Asked Questions

Does Pine Tree Recovery Center Accept Cigna Health Insurance?

pine tree lobbyYes. Although the limits of each individual’s coverage will vary, Cigna’s employer-based health plans all include Behavioral Health coverage, which offers substance disorder treatment benefits. In addition, any Cigna marketplace health plan must include Behavioral Health benefits as an essential benefit. This means that Cigna classifies your addiction not as a choice, but as a disease worthy of medical treatment on par with any other ailment you may face. Thanks to the federal Mental Health Parity and Addiction Equity Act of 2008, no individual health insurance plan that provides mental health or substance abuse coverage can place benefit limits on that coverage that are less favorable than limits for medical or surgical benefits.

With 16 million insured, Cigna is among the nation’s leading health insurance providers, and follows best-in-practice guidelines when it comes to treatment for alcohol and drug addiction. If your Cigna Health Insurance plan includes Behavioral Health coverage, your benefits include support for a wide range of mental health concerns including co-occurring disorders such as depression, anxiety and stress. Alcohol abuse and drug abuse treatment services are covered, as is related medication management.

The Cigna Foundation has contributed millions of dollars to addressing the opioid crisis across the United States, and Cigna has historically invested resources for prioritizing prevention of substance use disorders, reducing stigma by treating substance use disorders as chronic disease, and integrating evidence-based treatments including medically assisted detoxification programs and multidisciplinary treatment programs.

Services received through your Cigna Health Insurance plan may require pre-authorization, a co-payment (copay) or co-insurance, and may be subject to a deductible, all of which depend on your particular health plan. If your plan is the Cigna Open Access Plus (OAP) plan, Medical Indemnity plan, or an Account Based plan, you may have access to the provider of your choice. If your plan is a Cigna Preferred Provider Organization (PPO) plan, you will find that you have a wide network of providers from which to choose. Cigna Health Maintenance Organization (HMO) plans may require your primary care provider to coordinate care, while Cigna Exclusive Provider Organization (EPO) plans will require you to receive in-network care in order to maximize your benefits.

Your Cigna Behavioral Health benefits may require a referral for residential treatment center admissions, inpatient admissions, outpatient rehab or detoxification programs. Referrals are available through your primary care provider, and a Pine Tree Recovery specialist can help ensure that you receive the referral and quick access to care that you need.

The quickest and easiest way to find out how your particular plan may ease the financial burden of your recovery, is to call a Pine Tree Recovery Specialist at 888-601-0135. We’re here for you 24 hours a day, 7 days a week.

Will my Cigna Health Insurance Cover the Entirety of my Treatment?

The limits of your coverage are affected by several factors, including a past history of treatment for substance abuse, the details of your comprehensive and individualized treatment plan, and your policy’s deductible, copayment and coinsurance requirements. Your specific Cigna plan may require pre-authorization for substance use disorder recovery services. Authorizations typically include a documented referral from your primary care provider, or your history of past substance abuse treatment or mental health care.

Your deductible is the amount you will pay for covered health care services before your insurance begins to pay. A copayment is a one-time charge you may be expected to pay for a particular service or product, such as medication to ease your withdrawal symptoms. Coinsurance is the percentage of any costs Cigna will pay after your deductible has been met. Each of these amounts varies from plan to plan and for marketplace plans, even two plans that are both classified within the same metal bracket (bronze, silver, gold or platinum) may have differing deductibles, copayment or coinsurance amounts.

Typically, all individual health insurance marketplace and large employer-based plans meet the Affordable Care Act’s minimum value standard of 60% coverage with a high deductible. Some plans may cover up to 90% of medical costs, often with no deductible.

With the Affordable Care Act’s recent classification of addiction as a disease, rather than a choice, it is no longer appropriate for health insurance providers to put lifetime dollar limits on substance abuse treatment. This ensures that your Cigna Behavioral Health plan is there for you regardless of past treatment for substance abuse and will cover pre-existing conditions.

The quickest and easiest way to find out how your particular plan may ease the financial burden of your recovery, is to call a Pine Tree Recovery Specialist at 888-601-0135. We’re here for you 24 hours a day, 7 days a week.

How Can I Find Out if My Individualized Treatment Plan is Covered?

Cigna understands that starting treatment as soon as possible is in all party’s best interest. Cigna also understands that no one should undergo detoxification outside of the supervision of a health professional and covers medically managed detoxification services. In fact, recent laws have required health insurance plans in many states to reduce pre-authorization requirements in order to quicken access to medically necessary care.

Your Cigna health policy may cover some or all of the costs associated with detoxification treatment and related medications, as well as some or all of the cost of therapeutic services as an inpatient or outpatient client. Behavioral health services covered under your Cigna benefits include group and personal therapy, family therapy, and other aftercare programs. Cigna Behavioral Health is committed to providing you with all medically necessary care and will work with Pine Tree Recovery Center to manage your care from admittance through aftercare planning.

Be assured that Pine Tree Recovery Center will work closely with you to verify your benefits. We believe in the efficacy of our services and will fight to ensure that anyone who wishes to use insurance to participate in treatment with us can do so.

The quickest and easiest way to find out how your particular plan may ease the financial burden of your recovery, is to call a Pine Tree Recovery Specialist at 888-601-0135. We’re here for you 24 hours a day, 7 days a week.

I Have Cigna Health Insurance, How Should I Begin?

The quickest and easiest way to ease your concerns and understand your insurance benefits is to contact a Pine Tree Recovery Specialist today. We are available 24 hours a day, 7 days a week online and at 888-601-0135 to answer questions about your policy and coverage. All phone calls are completely confidential, and it often takes just minutes to review your options. We understand that wondering how you’re going to afford treatment can add stress and uncertainty to an already uncertain situation. Allow a Pine Tree Recovery Specialist to ease your concerns and make this time one of promise and hope.

Recovery Is Possible

Talk to a Pine Tree Recovery Specialist

We can help you achieve and maintain lasting sobriety.


*Please note we are not affiliated or endorsed by insurance companies.