Rehab Centers That Accept Cigna Insurance In Louisiana
For patients struggling with substance abuse, the right rehab care can be critical for helping them regain control over their lives and their health. Many patients and their loved ones, however, feel intimidated when they start to consider all that proper treatment entails. For example, most patients will need some form of detox. This is the process by which patients rid their bodies of their illicit substance of choice. For some patients, they might need medical help to get through their detox safely which might require hospitalization.
After detox, patients will have to decide whether inpatient or outpatient treatment will be right for them. Inpatient treatment tends to be the best option for those who have particularly longstanding or intense substance abuse problems. It also works best for those who have been through rehab before or do not have a strong support system for them at home to help them at the end of each day. Outpatient treatment works well for those who might have other obligations, such as childcare, that they cannot easily delegate. Inpatient treatment provides care and support 24 hours a day, 7 days a week, which can be wonderful for patients who need that level of intervention to be able to progress with their treatment.
Even after the initial inpatient or outpatient treatment is over, however, patients will need to continue their care as they prepare to reenter society. Many patients will have a variety of life changes that will need to be made, such as finding new friends or employment. Some form of continued treatment, such as additional outpatient therapy or a halfway house, can help provide patients with the support they need as they face these problems while still maintaining their sobriety.
Each phase of treatment is important for those struggling with substance abuse problems, but it is easy to see each type of treatment as yet another dollar sign and become overwhelmed. Fortunately, since the passage of the Affordable Care Act, all insurance plans under the law must include coverage for mental health and substance abuse treatment. This means your plan will offer you some help in paying for the care you need. The exact details of the coverage, such as copayment and coinsurance amounts, however, will vary from plan to plan, even within the same company. For this reason, it is critical that patients review their individual plans so they can choose providers and facilities that will offer them needed treatment while also maximizing savings. Here is what all patients should know about their Cigna coverage in Louisiana.
Cigna Substance Abuse Coverage in Louisiana
There are plans offered in the areas around Louisiana that provide substance abuse coverage. These plans are divided into two categories, Bronze and Silver. These designations refer to the percentage of care that would be covered by the plan. Silver level plans typically cover for 70 percent of your care while Bronze plans will cover 60 percent. Since Silver plans cover more of your care, they also have higher premiums.
A few of the plans on both levels are eligible for an HSA account. An HSA is a special savings account that allows you to set aside tax-free money to save for impending medical expenses. There are typically regulations that dictate what this money can be used for, but you can usually count on it being eligible for covering your deductible, copayments, and coinsurance. This allows you to plan ahead and begin saving money for these costs when you know that you or a loved one will likely need rehab soon. With the money in a savings account, it will not be as burdensome to cover the out-of-pocket charges of the care. You can also use the money to save for particular parts of treatment, such as costs associated with continued outpatient care after returning home or the costs of prescription drugs that are needed to help the patient cope with co-occurring disorders, such as depression.
The plans offered in this area do generally require you to stay within your network, which can limit your choices, but can also make it easier to make a selection. Both inpatient and outpatient mental health and substance abuse treatment will be covered, and most will be covered with a coinsurance payment due with the treatment. A few of the plans do differentiate between regular outpatient treatment an outpatient office visit and charge a flat copayment for an office visit.
Facing a substance abuse problem can be intimidating, but with financial support from insurance companies and emotional and medical support from trained therapists, patients can begin to find their way back towards health.