Rehab Centers That Accept Cigna Insurance In Texas
Treating an addiction to drugs or alcohol impacts the entire family and seeking professional treatment in an appropriate program allows the individual to start making positive changes. In Texas, Cigna policies offer a variety of options to help a loved one focus on long-term goals in a safe and healthy environment.
Cigna Policies In Texas
Texas policies from Cigna offer several options to help with recovery goals and healthcare needs. The Cigna policies offer basic coverage, comprehensive solutions, and extensive coverage based on personal needs or the concerns of the family.
Bronze policies usually cover mental health and substance abuse, but only after an individual pays the deductible and complies with the policy. Expect a higher deductible and maximum out-of-pocket expense when compared to other policy options in Texas. Bronze policies have a higher co-payment or co-insurance rate, such as paying only 60 percent of the treatment costs.
More extensive policies, like Silver and Gold policies, offer lower out-of-pocket expenses and more comprehensive coverage. For example, a Silver policy from Cigna in Texas will usually offer a moderate deductible and co-payment rate for less out-of-pocket costs. Gold policies usually have the lowest deductible and out-of-pocket costs, but it also has the highest monthly rates. Co-insurance rates vary based on the policy and the details of the plan, but usually cover a stated percentage, like 60 to 80 percent of the costs of treatment.
Selecting Treatment For Addiction
Substance abuse and mental health treatments depend on several factors, including personal needs and the situation. Since Cigna policies in Texas usually cover treatment for addiction or a mental health disorder, the best treatment program depends on personal plans and concerns.
Generally, the policy offers a starting place when selecting a treatment program. Opt for an in-network facility, especially when a Bronze policy sets limitations on out-of-network treatment options. In most cases, out-of-network treatment costs more because it requires a higher deductible and covers a lower amount of the treatment expenses. Use the policy to evaluate treatment programs and focus on in-network facilities.
Evaluate the treatment options and comply with any standards in the policy. Cigna policies in Texas usually cover evidence-based treatments and traditional treatments for substance abuse. For example, a cognitive-behavioral therapy program is usually covered for addiction recovery. Holistic treatments or alternative therapies are not always covered by the policy. An example of treatments that the policy does not always cover is massage therapy or acupuncture. While it might provide some positive benefits, the policy generally considered the treatment elective or unnecessary for long-term goals and health.
Opt for treatment programs that take an evidence-based approach and offer holistic treatment solutions. A holistic program focuses on providing appropriate treatments based on the needs of the individual, so it evaluates every aspect of recovery and creates a personalized treatment plan that includes traditional treatments, counseling and evidence-based treatments. It also focuses on improving personal health and well-being based on any physical, emotional or mental health concerns that arise from substance abuse.
Finding Treatment For Addiction
Texas offers a variety of options to help with long-term recovery goals and treatment needs. By working with a Cigna insurance policy, individuals can evaluate and compare different programs based on their budget and goals. For more details about treatment options in Texas or to learn more about Cigna policies, use the tools at RehabCenter.net today.