Rehab Centers That Accept Cigna Insurance in Alabama
Addiction to drugs or alcohol changes the way that a loved one behaves. It alters relationships in a family and raises concerns about a loved one’s health and well-being. When you notice signs of substance abuse or a mental health disorder in a dependent loved one, understanding the details of an insurance policy in Alabama provides the opportunity to find the right rehab center for his or her needs. Cigna insurance policies in Alabama are available through an employer, a union, or a related group rather than an individual policy, but the insurance offers the opportunity for those in need to seek professional treatment.
The basic Cigna coverage in Alabama depends on the employer or the group rather than the provider. Since Cigna policies in the state are available through employers or groups, the exact details and options vary.
Generally, the standard policies offer coverage for mental health disorders and substance use disorders. In most cases, the coverage follows an HMO process, so individuals might need a referral from a medical doctor in some policies before seeking treatment in a rehab center. Policies also set standards for the rehab centers and can require that individuals seek treatment in an in-network facility rather than an out-of-network treatment program.
Coverage for substance abuse and mental health disorders usually applies after an individual pays the stated deductible. Cigna policies commonly pay for a percentage of the treatment costs when an individual enters a residential program or it pays most of the costs after a stated co-payment amount for outpatient treatments. Expect some variation in the coverage based on the facility and the treatment options. For example, a policy might cover 60 to 80 percent of residential treatment costs, but can exclude specific treatments like acupuncture or massage therapy.
Options for Treatment
Treatment options in Alabama depend on the needs of the individual and the details of the Cigna insurance policy. Generally, the policy will cover treatment at an in-network facility.
Focus on treatment programs that comply with the standards of the policy. In most cases, treatment facilities offer evidence-based treatments and traditional treatments to help with long-term goals. Most facilities offer counseling, group therapy, and family therapy to help with recovery. An evidence-based program also offers cognitive behavioral therapy, psychological treatments with evidence to show effectiveness in substance abuse recovery, and treatments for co-occurring disorders. A holistic program usually offers a variety of tools, including alternative therapies and treatments for physical ailments. In a holistic program, professionals evaluate the needs of the individual as a whole person, rather than focusing on the addiction or mental health disorder alone.
The best treatment facilities create a personalized treatment program and make arrangements for detoxification services based on the risks and needs of the individual. Some facilities offer detox services directly while other programs recommend medically supervised detox programs to help with the first steps of recovery.
Exclusions to Consider
Although Cigna policies in Alabama offer coverage for mental health disorders and employee assistance programs to help individuals focus on recovery goals, the policies also have exclusions that impact treatment options. Evaluate the limitations and exclusions before seeking treatment in a professional facility.
Expect exclusions for specific types of treatments. For example, elective or alternative treatments like acupuncture, massage therapy, or music therapy are not usually covered by the insurance policy. Some policies also exclude out-of-network treatments in most situations and might require a referral from a doctor for situations that require treatment in a specific facility for any reason. Read the details to determine when a program is excluded from coverage or when to inform the insurance provider about a program and obtain a referral before starting treatment. The exact details regarding limitations and exclusions vary between policies, locations, and treatment facilities’ insurance acceptance.
Selecting a Treatment Facility
Starting a treatment program for substance abuse or a mental health disorder in Alabama requires the right tools and information. Cigna insurance group policies offer the tools to start making positive changes by evaluating different programs and comparing appropriate options. Using the Cigna network helps narrow down the options and find appropriate programs that address personal needs. Use the tools at RehabCenter.net to learn more about treatment options in Alabama.