Cigna Detox in Memphis, TN
Making the decision to seek professional help for someone’s substance use disorder or mental health disorder requires courage, hope, and determination. Additionally, it also requires the willingness to create real change in one’s life. With so much to consider, the cost of addiction or mental health treatment should not stand in anyone’s way.
Therefore, if someone has a health plan with Cigna, or if someone is considering becoming a Cigna member, it is essential to know what a Cigna health plan has to offer by way of addiction and mental health treatment. Read on to learn more about Cigna and detox in Memphis with Detox West Tennessee.
What is Cigna?
Cigna is a global health service company dedicated to helping people improve their physical, mental, and emotional health. Cigna employs 74,000 people worldwide to serve more than 150 million members across 30 or more countries. It was formed by the 1982 merger of the Connecticut General Life Insurance Company (CG) and INA Corporation (the parent corporation of Insurance Company of North America). The name Cigna comes from the mix of letters of the merging companies, CG and INA.
The Bloomfield, Connecticut-based organization boasts more than 60 years of experience in designing, implementing, and managing international group health insurance and employee benefits programs. By working closely with members, healthcare providers, clients, and communities, Cigna creates personalized healthcare solutions and promotes holistic therapies.
Cigna Health Insurance Plans
Cigna Health insurance plans fall into one of three types of plans:
- Health maintenance organization (HMO) plans. HMO plans tend to work well for those who can work with a limited number of healthcare providers within Cigna’s provider network. These plans cover healthcare services provided by physicians and facilities contracted directly with Cigna.
- Exclusive provider organization (EPO) plans. Cigna’s EPO plans allow members more flexibility in selecting a healthcare provider or facility for their needs. That said, some services may not be covered by Cigna if these providers or facilities are not in-network.
- Preferred provider organization (PPO) plans. PPO plans enable members to choose from a wide range of providers. Again, receiving healthcare services outside of Cigna’s provider network can result in significant costs out-of-pocket.
Cigna offers four levels of individual health plans: Bronze, Silver, Gold, and Platinum. Each plan level covers a different share of someone’s healthcare bills. Platinum is the top-of-the-line and therefore most expensive plan, with Cigna paying 90% of members’ healthcare bills. Secondly, Gold covers 80% of members’ healthcare bills, Silver covers 70%, and Bronze, being the most affordable, covers 60% of bills.
Does Cigna Insurance Cover Addiction Treatment?
The short answer to the question, “Does Cigna cover addiction treatment?” is yes, Cigna covers addiction treatment for its members. In fact, the company has partnerships with detox and addiction rehab facilities—including Detox West Tennessee—throughout the U.S. Cigna does this to provide a variety of addiction treatment services to its members at discounted rates. Keep in mind, one’s total out-of-pocket costs for addiction treatment depend on the specific Cigna plan.
Monthly premiums, copays, deductibles, and other potential costs all vary depending on the plan. While one should check with a Cigna representative to find out the requirements and offerings of their specific plan, most Cigna plans cover the following services:
- Inpatient or residential care
- Partial Hospitalization Program (PHP)
- Intensive Outpatient (IOP) Program
- Outpatient (OP) treatment
Does Cigna Insurance Cover Mental Health Treatment?
Under the Affordable Care Act, mental and behavioral health treatment must be covered as essential health benefits under all health insurance plans (with very few exceptions). These benefits include counseling and therapy. they also include inpatient mental health and addiction treatment.
However, Cigna may offer only limited coverage for common emotional problems not currently recognized by the medical community as outright disorders. For example, these can include grief or “failure to launch” syndrome. In any event, one will want to check with their Cigna representative regarding what exactly is and is not covered under their plan. Plus, while Cigna covers the cost of detox in the Memphis, Tennessee area, the company may offer limited benefits regarding specific treatments and therapies.
Will I Have A Deductible for My Cigna Coverage?
Before figuring out whether they will have to pay a deductible for their coverage, people would do well to first learn what exactly a deductible is. A deductible is the amount of money that plan members are required to pay out-of-pocket for medical services before the plan “kicks in” and begins to pay for medical services.
This excludes certain preventive services that are covered automatically. For example, deductibles can amount to a lot or a little, depending on the specific plan. If one does not anticipate needing many medical expenses for the upcoming plan year, a high-deductible plan makes practical sense, since the monthly premium on these plans is relatively low.
High-deductible health plans work well for those who are young and generally healthy, without dependents, and who can cover out-of-pocket costs for unexpected situations. However, for those anticipating significant medical expenses in the coming year, a low deductible plan might be the way to go.
Moreover, wondering about a deductible with UHC for detox in Memphis, Tennessee depends on the type of plan one has, and which state one resides in. It depends on whether the treatment provider they are considering is labeled “in-network” or “out-of-network.” Therefore, it’s a good idea to reach out to a UHC representative to discuss options and what they mean in terms of one’s deductible.
Cigna Insurance for Detox in Memphis, TN
For those seeking addiction treatment and mental health services under their Cigna plan, Detox West Tennessee can help you. All in all, we believe no one should have to continue living with a substance use disorder or mental health disorder because of the cost of professional treatment. Our partnership with Cigna ensures that everyone seeking treatment will be presented with a range of attractive and available options.
For more information about Cigna and detox in Memphis, Tennessee, contact us today.
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