Rehab Centers That Accept Cigna Insurance In Iowa

Substance abuse impacts families and individuals in unexpected and potentially dangerous ways. It alters the way that a loved one thinks and behaves. In some cases, it also changes his or her physical and mental health. When a loved one shows signs of substance abuse or when an individual in the family behaves oddly, seeking treatment in a professional rehab center in Iowa provides the opportunity to make positive changes.

Iowa Coverage Basics

Iowa policies through Cigna depend on an employer or a specific group option rather than an individual preference. In Iowa, employers offer Cigna insurance as part of a group policy and offer a variety of options based on the needs of the group. Generally, the policies offer standard or basic coverage to address most health concerns; however, the exact details and options vary.

While Cigna policies offer different levels of coverage and the deductible varies between insurance plans, the policies usually offer coverage for mental health disorders and substance use disorders. The coverage generally applies after an individual pays the stated deductible, but the co-insurance or co-payment rates vary.

Expect in-network programs to cost less due to the higher amount of coverage. In most cases, Cigna policies offer greater coverage for in-network treatment programs. For example, an out-of-network program might only offer 60 percent coverage for treatment while the policy covers roughly 80 percent of the in-network facility. Cigna policies do not always cover out-of-network treatment options, so evaluate the policy before assuming that coverage applies to the specific type of situation or program.

Limits in the Policy

Generally, Cigna policies cover the cost of treatment for substance abuse or a mental health disorder; however, the policy also sets limitations on the coverage. Limitations usually refer to any limits on the duration of treatment or the types of treatments that an individual can seek for recovery goals. For example, a policy might limit coverage for residential care to 28 or 30 days in one year. Out-patient treatment programs usually have limitations based on the number of sessions rather than a specific time frame, such as 12 sessions per year, so evaluate the limitations before assuming that the policy covers the entire treatment program.

Exclusions also apply to many policies, particularly when it relates to the types of treatments that address substance abuse. In most cases, the coverage does not apply to any elective or optional treatments. For example, the policy does not usually cover massage therapy, art therapy or music therapy because it is considered optional. Look for any specific details regarding optional treatments that the policy excludes from coverage before starting treatment to ensure that the rehab center is covered by the Cigna policy.

Opting for Treatment

A Cigna insurance policy from an employer or a group program offers the foundation to start making positive changes, but an individual must finalize the treatment facility. Focus on in-network programs to ensure that the coverage applies to the specific rehab center.

Select a comprehensive treatment facility that offers a personalized treatment plan based on individual needs and goals. Holistic and evidence-based treatments address most health concerns, including any physical ailments and mental health disorders that complicate the recovery process. Select a program that offers cognitive-behavioral therapy, counseling services, holistic treatments and alternative therapies to ensure that the program offers a variety of tools to focus on recovery. Most rehab centers in Iowa offer traditional treatment options like family therapy and group therapy, so focus on evidence-based treatments or alternative solutions that further improve recovery results and help individuals focus on long-term goals.

Enter a treatment facility that addresses individual goals. The best facilities create a personalized plan of action and use multiple tools to help address the underlying causes of substance abuse.

Seeking Treatment in Iowa

Rehab centers in Iowa offer several tools to help with recovery goals, but only when individuals focus on their specific needs and select an appropriate program. A Cigna policy offers a place to start the search, but the final decision must focus on the treatment options. For more details about treatment in Iowa, use the tools at RehabCenter.net today.

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