Rehab Centers That Accept Cigna Insurance In Maine

Substance abuse impacts personal relationships, health and emotional well-being in unexpected and potentially dangerous ways. Depending on the substance, the harm that individuals face and the complications vary; however, an individual must seek professional treatment in a rehab center when the problems start causing severe reactions. In Maine, individuals have a variety of tools to start making positive changes and improving personal health. By working with Cigna insurance policies, an individual can focus on long-term goals and recovery.

Cigna Through Employers

Cigna policies in Maine are available through group policies and employers rather than individual policies. Due to the variation available from different employers and companies, the specific details and coverage vary; however, most policies from Cigna offer standard or comprehensive coverage for mental health and addiction.

Standard policies focus on HMO plans and work within a network. The policies do not always cover out-of-network treatments or offer limited coverage for out-of-network programs. The in-network programs usually offer solutions for substance abuse that comply with the standards of the policy. In general, the policy covers a portion or percentage of treatment costs after an individual pays the deductible. Out-patient treatments usually require a co-payment rather than a percentage of the costs, so evaluate the details before finalizing a policy.

Comprehensive policies from Cigna in Maine offer greater coverage and a lower deductible than a standard policy. It also charges a higher monthly premium when compared to standard or basic policies. Generally, the policies allow individuals to seek treatment and pay for a percentage of the costs. In most cases, it will pay for 60 to 80 percent of the treatment expenses after an individual pays the stated deductible. The exact coverage varies between policies and employers, so evaluate the details before assuming that the policy covers the situation.

Expect some variation in the amount of coverage and the costs associated with a rehab center in Maine. Each employer offers different policy options, so the exact coverage depends on the policy, the employer and personal decisions regarding employer-provided policies from Cigna.

Limits and Exclusions

The limits and exclusions in a policy provide boundaries regarding treatment options. In most cases, limits focus on the duration of treatment or the types of treatments that the policy covers. For example, a policy might limit residential or in-patient treatment to 30 days in one year. Other policies set limits on outpatient sessions, such as allowing up to 12 sessions in one year.

Exclusions differ from limits in the policy because the exclusions describe specific types of treatments that the policy does not cover. Although Cigna policies in Maine cover treatment costs for mental health disorders and addiction, certain exclusions in the treatment program apply to most policies. For example, a policy does not always cover optional treatments like massage, acupuncture or art therapy.

Treating Substance Abuse

After evaluating a policy and ensuring that the coverage applies to a specific treatment program, focus on finding the right program to address personal needs. A treatment program in Maine usually falls into three main categories: holistic treatments, evidence-based treatments and traditional treatments. Holistic programs often use evidence-based treatments and traditional treatments, but it goes beyond the basic treatments and looks for underlying causes. In some cases, it also includes treatments for physical ailments or conditions to help resolve underlying concerns.

Evidence-based treatments, like cognitive therapy and behavior modification, follow specific guidelines and strategies that show effective results when working on long-term recovery goals. A traditional approach uses counseling, group therapy and related therapy treatments to help identify and resolve any mental health concerns associated with substance abuse.

Regardless of the treatment approach, an effective program also offers detox services to help individuals take the first step toward realistic recovery goals.

Recovering and Healing

Healing after substance abuse often requires the right tools and strategies. By working with a professional rehab center in Maine, individuals have the opportunity to make positive changes in their life. The key is finding the right treatment program and working with Cigna insurance to ensure that the treatment stays within a strict budget. For more details about treatment programs in Maine or to learn more about insurance for addiction recovery, use the tools at RehabCenter.net.

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