Rehab Centers That Accept Cigna Insurance In Nebraska
Cigna provides Nebraska residents access to employer-sponsored group plan or as supplemental insurance for Medicare. If you or someone in your family is in need of drug treatment and you are lucky enough to have Cigna coverage, there is a lot to consider.
With most insurance companies, the exact coverage depends on the state you live in and the insurance provider. Since Cigna offers group plans in Nebraska, your employer’s arrangement with the company is also a key factor.
What Does Cigna Cover?
The details on what Cigna covers depend on the group plan your employer purchased. Cigna features a unique supplement program that may offer more help to those with drug dependence issues. The Cigna behavioral program focuses on mental health, which is often a factor in drug or alcohol addiction.
The Cigna Behavioral program offers help for those with a co-morbid condition, such as depression. Many people seeking help for drug abuse benefit from a dual diagnosis program that treats dependence and contributing conditions. Cigna Behavioral treats not only mental health options but developmental disorders and chronic illnesses, like diabetes. The goal is to control the underlying problem that triggers the drug use.
Inpatient Vs. Outpatient Care
Ever since the Affordable Care Act went into effect in 2010, insurance companies must provide addiction and mental health coverage. Bronze policies cover 60 percent of all health care costs, while Platinum pays up to 80 percent. There are also Silver and Gold policies and the differences between the policies lie in how much coverage is offered and how much you must pay out-of-pocket for treatment, whether entering an inpatient facility or an outpatient center.
At the lowest, or Bronze, level, it is possible that Cigna will cover just a portion of in-hospital detox, but not offer any other coverage. The higher the level of coverage, the more you can expect the company to pay. The amount of treatment the insurance provider pays will also vary. Some policies might approve short-term treatment while others pay a significant portion for long-term care.
Verifying Your Cigna Coverage
With any insurance provider, details are critical. Since Cigna offers Nebraska residents coverage via group plans or as supplemental insurance, they may have created a custom plan. Approval will likely be necessary before entering treatment. The best way to find out what Cigna offers is to contact the company directly or use the available resources at RehabCenter.net.
