Rehab Centers That Accept Cigna Insurance In Montana
Montana is a beautiful location for individuals who want to start working on long-term recovery goals for substance abuse or a mental health disorder. Since the state offer rural and quiet areas to focus on recovery goals, it offers a different environment that helps with the changes associated with treating a substance use disorder. In Montana, Cigna insurance offers coverage through group policies and employers. The policies offer the tools to start making positive changes and working on recovery goals.
The basic coverage available though Cigna depends on the employer and the group standards. Generally, the policies offer coverage for mental health disorders or substance use disorders that complies with the standards of the state and federal government. Some policies exceed the minimum standards for coverage so that individuals have the tools to address their emotional and mental health.
While the basic coverage offers options to help with long-term goals, the exact details and amount of coverage varies. Read the details of the policy to determine the percentage of coverage that applies to a residential treatment program or an out-patient facility. In most cases, the policy pays for a percentage of treatment costs in a residential program or requires a specific co-payment amount for out-patient treatments. For example, a policy might cover 60 percent of the treatment expenses for covered treatments in a residential program.
Generally, coverage only applies to the treatment process after an individual pays the stated deductible. The deductible varies between policies, but usually a policy with a high deductible also has a higher out-of-pocket expense and a lower monthly cost. Policies with a higher monthly cost usually have a lower out-of-pocket expense and cover a greater portion of the treatment costs.
Exclusions in the Policy
Limitations in any policy from Cigna in Montana depend on the specific plan. In some cases, the policy will only cover in-network treatments and excludes facilities that are classified as out-of-network. In other situations, the coverage still applies to out-of-network treatment programs, but it is lower than the coverage for in-network treatment. For example, a policy might cover 80 percent of the in-network treatment facility while only covering 60 percent of the out-of-network treatments.
Exclusions for specific treatments also apply to most policies from Cigna. In general, the exclusions apply to elective or optional treatments like acupuncture or art therapy. Some policies also exclude specific holistic or alternative treatments that do not have enough evidence to determine the effectiveness of the treatment option. Most policies will pay for evidence-based treatments, traditional treatments and holistic treatments when the rehab center complies with any standards in the policy or is an in-network program.
Treatment Solutions for Addiction and Mental Health
Mental health disorders and substance use disorders require appropriate treatment to help with long-term goals. In general, Cigna insurance policies offer tools to address the underlying causes of an addiction by covering the costs of most treatment options available in a rehab center.
Opt for treatment programs that create an individual treatment plan and take a holistic or evidence-based approach to the recovery process. An evidence-based treatment program uses solutions and tools to help with recovery that medical professionals and scientists have studied for effectiveness against substance abuse. For example, cognitive-behavioral therapy or medical treatments for mental health disorders are classified as an evidence-based treatment. Holistic treatment programs evaluate the needs of the individual as a person rather than the symptoms of an addiction to identify the underlying causes of substance abuse. The program then creates a treatment plan based on the needs of the person. A holistic program can offer additional treatments, like medications for a physical ailment or nutrition therapy to address any nutritional deficiencies that develop after abusing drugs or alcohol.
Traditional treatments, like counseling and group therapy, are usually available in rehab centers. A program does not always offer detox services, but an individual benefits from going through a medically-supervised detox program before working on long-term goals.
Recovering from Addiction
Montana offers rehab centers to address substance abuse and co-occurring disorders, but the best program depends on personal needs. By using a Cigna insurance policy to narrow down the options, an individual can identify the best program for their budget and goals. For more details about treatment in Montana, use the tools at RehabCenter.net.