Rehab Centers That Accept Cigna Insurance In Maryland
You’ve decided to visit a health professional during office visits or enter yourself in an inpatient or outpatient program to help with alcohol or drug abuse or addiction. If you’re unsure about the cost of care, you can get assistance from a health insurance plan. With health insurance, your plan will cover some of the treatment costs so you don’t have to be responsible for all of it yourself; instead, you’ll have a copay or co-insurance to take care of. Health insurance can also help with a dual diagnosis of a mental health disorder on top of substance abuse since individual plans cover mental and behavioral health services as well. In the state of Maryland, Cigna is one of the companies that offers individual health insurance plans to help with the treatment you need.
Maryland Individual Insurance Coverage Through Cigna
There are three Cigna individual health insurance plans to choose from in Maryland. You can pick from one at the bronze level, one at the silver level and one at the gold level. These metallic levels are common to individual health care plans, and they represent the balance of what you pay compared to what the plan pays. With a bronze level plan, your monthly payment is less but you pay more on care, and it’s the opposite with the gold level plan.
Each plan also has a number in it that is the deductible you will be responsible for covering. You will be able to get the help you need with any plan you choose through Cigna because they all cover substance abuse, as well as mental and behavioral health needs. At all of the levels, the Cigna plans are Open Access Plus plans that cover in-network providers for lower costs, as well as out-of-network ones at higher costs.
Levels of Plans and Their Benefits
On the bronze level, you have the option of the Cigna Access HSA Bronze 6000 plan that requires you to pay a 30 percent co-insurance for office visits, inpatient care or outpatient care. You can visit a provider outside the network, but the cost on your part will jump to a 50 percent co-insurance. You need to get pre-authorization for inpatient treatment that is outside the network or the cost will go up for you.
The silver level plan is the Cigna Access HSA Silver 2750 plan. This plan covers office visits and inpatient and outpatient care with a 15 percent co-insurance cost from you for in-network providers. If you go outside the network, you will pay a 35 percent co-insurance and need pre-authorization for inpatient treatment.
If the gold level would be the best fit for you, you have the Cigna Access Flex Gold 1000 plan. With this plan, you would be responsible for a 15 percent co-insurance for in-network office visits, outpatient care or inpatient care. The price goes up to 35 percent co-insurance for out-of-network providers, and you need to get authorization before your out-of-network inpatient care.
These plans also includes a health savings account or flexible spending account component that you can use to save tax-free money to put toward your care. Each of these plans also has variations that include plans for Native Americans and Alaskan Natives, and cost share plan options.
Rely on Health Insurance
With a Maryland individual health insurance plan from Cigna, you can gain assistance that makes drug or alcohol treatment more affordable and achievable. Choose a plan that gives you a monthly premium and costs of care that will work for your budget, and then you can use the plan to enter treatment and change your life. Often, going to a provider that is in the plan’s network will help you keep the costs of your care down even more. Nonetheless, Cigna’s plans allow you to go out of the network if you find a program you really like. Cigna will give you the help you need for more affordable treatment, helping you have success with recovery.