Rehab Centers That Accept Cigna Insurance In Florida

You’re at the point where you’re ready to make a change and enter a drug or alcohol treatment program. You don’t want the cost of care to deter you from getting help toward a new life. You have numerous ways to keep the cost of care down, which include choosing more affordable programs and office visits or outpatient care over inpatient care. But you also want to make sure that you are getting the right care to help you move forward instead of only focusing on the cost.

A major way you can make a rehab program more affordable is by using your health insurance. If you already have a plan, see which services and which percentage of services it will cover. If you need to get a plan or switch plans, consider your options to choose the one that will benefit you the most. Health insurance will cover some of the treatment costs, leaving you responsible for just a portion of what you would have had to pay.

Cigna Plans in Florida and What They Cover

Cigna is one insurance company that can help you pay for drug or alcohol treatment with an insurance plan. In Florida, you have many individual Cigna plans at your disposal that can help with your care. All of the plans provide coverage for substance abuse and mental and behavioral health, so you’ll get some coverage no matter which one you pick. The difference will lie in the amount of your monthly premiums, the copays and co-insurance, and the amount the insurance company covers.

The number in the plan name refers to the deductible you will need to cover. Also, each plan falls into a bronze, silver or gold level, which has to do with how much you will spend compared to how much the plan will cover — gold being the best balance.

The Cigna Health Savings 6000 >300 plan is a bronze level LCP plan with a 0 percent co-insurance if you go to office visits or inpatient or outpatient treatment within the network. If your preferred facility or provider is outside that network, expect a much higher co-insurance of 50 percent in addition to pre-authorization for inpatient care to keep the cost down. Another bronze plan to pick from is the Cigna Vantage Flex 6400 LCP plan, which requires a 40 percent co-insurance for care and does not cover providers outside the network.

There are three silver level options, which cover in-network providers only. The Cigna Vantage Flex 1900 LCP plan only covers providers in the network. Office visits come with a copay of $75, while inpatient and outpatient care costs a 30 percent co-insurance. The Cigna Vantage Flex 2750 LCP plan requires a $60 copay for office visits and a 20 percent co-insurance for inpatient and outpatient care. The Cigna Vantage Flex 5000 LCP plan comes with a $75 copay for office visits and a 10 percent co-insurance for inpatient and outpatient treatment.

At the gold level, you have one plan choice, which is the Cigna Vantage Flex 1000 LCP plan. This plan covers office visits with a $40 copay required from you, and inpatient and outpatient services with a 20 percent co-insurance required from you. The plan does not cover providers that are outside the network.

The last option is a health savings account LCP plan, the Cigna Vantage HSA 6000. While this plan has a high deductible, it comes with a 0 percent co-insurance for office visits and inpatient and outpatient services that are in the network. You will not be covered if you go outside the network. With this plan, you can also add to a health savings account to help with the costs of care.

Get Help With Your Treatment

Health insurance can be the missing link you need to afford the cost of a treatment facility or outpatient program. Cigna insurance can provide the coverage you need in your state of Florida. And since the Cigna plans cover mental and behavioral health concerns as well as substance abuse, you can even rely on them if you have a dual diagnosis.

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