Rehab Centers That Accept Cigna Insurance in North Carolina

Rehab is an important step in the recovery process for those struggling with substance abuse problems. These treatment options must have the capacity and skills needed to address all aspects of the patient’s life. Overcoming a substance abuse problem is not as simple as just ridding the body of the substance– detox is just the first stage. Patients must also be able to understand what led to their disease and how they can handle stress and triggers in life in a healthier way.

There are a number of different available rehab facilities available for your treatment, some of which focus on using traditional treatments (such as 12 steps, CBT and DBT) while others incorporate more alternative concepts, such as acupuncture or art therapy. These treatments are offered in inpatient and outpatient facilities.

Deciding on the best treatment is dictated by your personal needs and the cost of each treatment. Fortunately, with the Affordable Care Act, all insurance companies must include mental health and substance abuse services. These plans can help drastically reduce financial burdens. For those in North Carolina, here is what they should know about Cigna Health.

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Cigna Substance Abuse Coverage In North Carolina

Cigna offers North Carolina residents access to the Cigna Access HSA Bronze 6200. Since this is a Bronze Level plan, patients can expect an estimated 60 percent of their healthcare costs to be covered. It is important to note that these plans generally have lower deductibles and higher costs for care, such as deductibles and copayments.

This plan is classified as HSA eligible, which means that you can put funds away in a tax-free HSA account. This account can be used to save money for medical expenses, such as deductibles and copayments. Some patients may be able to use their HSA to save for certain aspects of treatment, such as holistic treatments. Many patients respond well to alternative practices that take into account the whole patient. Review the terms of your specific HSA to see what it covers.

When you do enter rehab with Cigna coverage in North Carolina, expect to pay 40 percent out-of-pocket, regardless of whether it is inpatient or outpatient treatment, so long as you stay in-network. If you find a provider or facility that is out of the network, you will have to pay a little more– about 50 percent of the costs.

This arrangement allows you to save a little more money if you remain within the network, but it also provides at least limited coverage even when you find a different licensed provider. This gives you greater flexibility when finding the right treatment. Having a provider with whom you can develop a strong relationship and who clicks well with your personality can make a big difference.

Similarly, most medications will be covered at 40-50 percent. Since medications can help with detox and maintaining sobriety, you should review your insurance information to see where your needed medications fall.

There are many decisions that patients entering rehab need to address. They will have to carefully evaluate the type of treatment and environment that will best fit their needs. To do this affordably, however, most people will need to stay within the confines of their insurance coverage. Speak with an insurance representative before making medical decisions that require coverage.

 

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