Rehab Centers That Accept Cigna Insurance In Mississippi
Entering an addiction treatment program or working on personal mental health starts with finding the right rehab center. By working with an insurance provider, individuals have the tools to focus on accomplishing new goals and working on long-term recovery. In Mississippi, Cigna insurance offers coverage to help with mental health disorders and addictions as long as it is through an employer group plan.
Employer Provided Policies
Although Cigna does offer coverage through group policies and employers in Mississippi, it does not offer individual plans. As a result, the details regarding coverage and the options depend on the employer and the health risks to the group rather than the individual.
Group policies through Cigna offer coverage for mental health disorders and substance use disorders, but the exact coverage varies between policies and groups. Generally, the policies require a deductible before coverage applies to the mental health treatments. The policies follow HMO practices and usually cover in-network treatments; however, out-of-network treatment programs are not always covered by the policy or have a lower coverage rate when compared to an in-network program.
Cigna policies through an employer also offer an Employee Assistance Program for behavioral health and addiction recovery. The program allows individuals to seek outpatient treatments or counseling services to help with long-term goals and adjust personal behaviors.
Limitations in Cigna Policies
Since Cigna policies in Mississippi stem from group programs and employer standards, the exact limitations and exceptions in the policies vary. In most cases, the policies will charge more for out-of-network treatments or can exclude out-of-network facilities. For example, an in-network program might have coverage up to 80 percent of the total costs after paying the deductible. Out-of-network programs, on the other hand, might cover 60 percent or less of the treatment costs. Read the details of the policy to determine the exact co-insurance rates and co-payments associated with mental health disorders and addiction before seeking treatment.
Expect exceptions in the policy. An exception is a treatment that the policy does not cover, even if it is part of a facility or treatment program. For example, most policies exclude treatments like acupuncture or massage therapy because it is classified as an elective or optional treatment.
Treatments for Addiction in Mississippi
The best treatment programs for recovery in Mississippi depend on the details of a specific insurance policy. Cigna policies from an employer usually offer standard coverage or comprehensive coverage for substance abuse recovery. Use the insurance policy to help identify the right treatment program by identifying in-network treatment facilities.
Evaluate the treatment options in the program. Generally, a program that offers traditional treatments like counseling, group therapy and family therapy help with long-term goals. Furthermore, evidence-based treatments like cognitive therapy and behavior modification focus on the science behind substance abuse and change personal behavior to help with long-term goals.
Holistic treatment programs, which focus on the entire person rather than the symptoms of the mental health disorder, offer more comprehensive treatment solutions. In a holistic program, the facility provides appropriate treatments for co-occurring disorders, physical ailments and the substance abuse. It offers traditional treatments with alternative therapies to address the underlying causes of addiction.
In any treatment facility, opt for a program that offers detox services. Detoxification services provide a safe environment to remove the substances from the body and ensure that an individual has a low risk of health complications throughout the first stages of recovery. A medically supervised program is particularly important when an individual abuses alcohol, opiate drugs or any substance with a high risk of severe withdrawal symptoms. Cigna policies usually cover detox services and emergency treatments for substance abuse, so focus on programs that allow individuals to remove the drugs or alcohol from the system before moving forward with treatment.
Recovering in Mississippi
Recovering from substance abuse starts with taking the first step and understanding the current insurance policy. Although Cigna offers coverage in Mississippi, the policies are available through employers. As a result, the details and options in the policy vary based on the needs of the group and the employer standards. For more information about recovery programs in Mississippi or working with Cigna insurance, use the tools at RehabCenter.net today.