Rehab Centers That Accept Cigna Insurance In South Carolina
For people struggling with a substance abuse disorder, pursuing treatment is an important first step in the recovery process. When entering recovery, they will be able to receive the help they need from trained professionals. During treatment, they will learn valuable skills, such as how to handle temptations and stresses in a healthy way. They will also often be given opportunities to explore their personal history and better understand what might have led to the development of their substance abuse problem.
As potential patients prepare to enter rehab, however, they and their loved ones can often become overwhelmed by the cost. For many, there will be multiple steps to the process. The first stage is detox,which requires medical supervision and guidance. Inpatient or outpatient treatment is also required, a process which last for several weeks, if not months. Aftercare, including regular meetings or continued outpatient treatment can also help them maintain sobriety.
These treatment options are costly, but the Affordable Care Act has ensured that mental health and substance abuse treatments are in all insurance plans. Patients will, however, have to verify how their exactly coverage is set up. Different plans will cover different amounts, even from the same company. Here is what you should know about Cigna insurance in South Carolina.
Cigna Substance Abuse Coverage in South Carolina
Cigna offers South Carolina residents a Bronze Level plan, known as the Cigna Access HSA Bronze 6300. Under this plan, you will have to pay 40 percent of your inpatient or outpatient substance abuse or mental health treatment when you remain in network. If you go out of the network for either service, you will need to cover 50 percent of the treatment provided.
This out-of-network coverage means that you will have at least some of your expenses covered regardless of the rehab facility and providers you end up using. This can make the search for the right treatment facility much easier. It is important for patients to select their rehab based upon how well the treatment center fits their unique needs and personality.
For those in rehab, prescription drug coverage is also important. These medications can help you successfully detox and also help you help you face co-occurring disorders, such as anxiety. There are two five tiers of medication classifications under this Cigna plan, the first is: Tier 1– Retail Preferred Generic, Tier 2– Retail Non-Preferred Generic, Tier 3– Retail Preferred Brand, Tier 4– Retail Non-preferred Brand and Tier 5– Retail Specialty.
The second group is: Tier 1– Home Delivery Preferred Generic, Tier 2– Home Delivery Non-Preferred Generic, Tier 3– Home Delivery Preferred Brand, Tier 4– Home Delivery Non-Preferred Brand and Tier 5– Home Delivery Specialty.
Under both tiers, you must pay 40 percent after the deductible, with the exception of the Tier 4 categories, which require 50 percent after the deductible. You will need to review your personal insurance information to see where your needed medications fall under this system. This can help you budget for medications and find the most affordable options that still provide the needed care.
As patients prepare to enter rehab, they will be making a number of decisions that impact their futures. Selecting the right rehab will positively influence the outcome of treatment and the ability of the patient to maintain sobriety. Those interested in pursuing treatment with Cigna in South Carolina should review the above information and contact us to learn more about available treatment options as they prepare to move forward.