Rehab Centers That Accept Cigna Insurance In Hawaii
Treating an addiction to drugs or alcohol starts with identifying the right rehab center in Hawaii. Although the state offers a variety of treatment programs, selection of the best facility ultimately depends on the needs of the individual and the standards provided in an insurance policy from Cigna. In Hawaii, Cigna policies are available through an employer rather than through individual options; however, the details of any policy depend on the standards of the company and the group.
Coverage in Hawaii
Coverage for addiction recovery or mental health disorders through Cigna in Hawaii depend on the standards of the company. In most cases, companies offer HMO policies that allow employees to seek treatment for common health concerns. As an HMO policy, it does usually set limitations on the network and treatment facilities. For example, the policy does not always allow individuals to seek treatment in out-of-network facilities. Alternatively, the policies require referrals for certain treatments from a primary care doctor.
Most policies through Cigna offer coverage for mental health disorders and substance use disorders, but the exact co-insurance and co-payment depend on the standards of the policy. A basic policy usually covers 60 to 80 percent of the costs after an individual pays for the deductible. An out-patient program usually requires a stated co-payment, such as $25 to $50 per session, rather than a co-insurance amount.
The rates for in-network treatments are usually lower than out-of-network programs; however, the exact details depend on the treatment facility and the standards of the policy.
Treatment Options
Treatment options for substance abuse and mental health disorders depend on personal needs and goals. An insurance policy from Cigna helps identify appropriate programs by eliminating out-of-network facilities in Hawaii, but the best facility to address personal needs will depend on a personal budget, goals and any complications associated with the recovery process.
Opt for treatment programs that offer a variety of tools to help with recovery. An evidence-based treatment, like cognitive behavioral therapy, helps reduce the risk of relapse by addressing the underlying causes of addiction. When combined with traditional treatments like counseling and group therapy, the evidence-based treatments allow individuals to make positive changes to their behavior and lifestyle.
Programs that offer personalized treatment programs and that specifically address co-occurring disorders like depression and anxiety also help reduce the risk of a relapse. The personalized treatment means that the facility specifically addresses the needs and goals of the individual rather than assuming that any one treatment will help with long-term goals.
Holistic treatments address more than just the substance abuse and mental health concerns. It also recognizes that physical ailments or other factors contribute to addiction and addresses those concerns. Most programs also offer detox services to remove the substance from the body before working on comprehensive treatment plans.
Exclusions in the Policy
Although Cigna policies in Hawaii offer coverage for mental health disorders and addiction, it also has exclusions and limitations that impact coverage. Generally, exclusions apply to specific types of treatments. For example, a policy might exclude art therapy or music therapy. Elective or optional treatments are not always covered by the policy because it is not considered a necessary program for recovery.
Limitations usually apply to specific details. For example, a policy might limit out-patient treatments to 12 sessions per year or in-patient treatment to 30 days in one year. The limitations do not specifically exclude a treatment; instead, it sets a limit on the treatment.
Seeking Treatment in Hawaii Rehab Centers
Treating an addiction in Hawaii provides the opportunity to make positive changes, but it starts with finding the right rehab center. A Cigna insurance policy from an employer offers a place to start by identifying out-of-network and in-network treatment programs. By using the tools and information available at RehabCenter.net, individuals can compare different facilities and options in Hawaii and find the rehab centers that offer the best solutions for personal goals and health concerns.
