Rehab Centers That Accept Cigna Insurance in New Jersey
Entering a rehab facility to address substance abuse or a mental health disorder requires assistance from an insurance policy. In New Jersey, Cigna offers policies through group and employer programs. They offer a variety of options to help with long-term goals and address personal healthcare needs in a safe environment.
Coverage From Cigna
In New Jersey, Cigna insurance policies are group plans provided by an employer. As a result, the details of any policy vary. Usually, companies offer several policies to help with long-term goals and will allow company employees to select the program that works best for their needs.
Cigna plans cover mental health disorders and substance use disorders, usually at a percentage of the treatment costs or a co-insurance rate. The individual pays for the remaining amount, such as 40 percent of the costs.
In most cases, a policy does not cover the full cost of long-term residential care, setting a limitation on the duration of treatment. For example, a policy might only allow 30 days for residential treatment limit out-patient treatment to 12 sessions. Long-term treatment options might require larger out-of-pocket expenses.
Expect some variations between policies provided by an employer. Compare the options and select a policy that addresses personal needs based on health concerns and mental health.
Exceptions In The Policies
Although Cigna usually offers coverage to help with the costs of addiction treatment and recovery, it also sets limitations or exceptions. In most cases, it will not cover elective treatments. For example, it will not pay for acupuncture, massage therapy, or art therapy. Since those treatments are considered elective or optional, they aren’t considered necessary for your recovery.
Other exceptions apply to the situation rather than the specific treatments. For example, the policy might cover emergency detox services, but might limit coverage for non-emergency detox treatments.
Treatment Options In New Jersey
The best treatment programs in New Jersey depend on several factors, including policies and personal goals. Before starting any treatment program, evaluate the policy to determine if the facility offers in-network treatment options. Cigna policies usually cover in-network programs at a higher percentage when compared to out-of-network facilities, particularly when an individual enters a residential treatment program.
Opt for a treatment program that offers a variety of tools to address substance abuse and mental health disorders. For example, a program that offers evidence-based treatments and holistic treatments will have several options to help with long-term goals. A program should offer counseling services, group therapy, and family therapy. It also must use tools like cognitive-behavioral therapy or detox services.
Focus on programs that offer tools for co-occurring disorders and mental health disorders to obtain appropriate treatment solutions. Ideally, a treatment program will offer a personalized plan of action to help with long-term goals.