Rehab Centers That Accept Cigna Insurance In Utah
If you suffer from addiction, going to a substance abuse treatment center in Utah is one of the best choices a person you can make. This disease affects millions of Americans every year which can lead to problems such as a loss of a job, broken relationships, the development of other conditions, and much more. With treatment, you can take comfort in knowing that overcoming this disease is possible. If you have Cigna insurance, you’ll be able to enjoy a variety of rehabilitation coverage benefits, from detox through aftercare.
How Does Cigna Insurance Coverage Work For Substance Abuse Treatment?
A person who wants to receive coverage for substance abuse services will first need to get a referral from a physician or a substance abuse specialist. This helps Cigna insurance understand the reasoning behind providing coverage. Without a referral, you will likely find it difficult for your coverage to kick in.
Once you have been approved, you may have to pay a copayment or deductible. Many times, the annual deductible for a Cigna insurance policy will be around $5,000. Also, copayments tend to be anywhere from $10 to $100 depending on the service being acquired, meaning you need to speak with your insurance agent to learn more about what to expect from your policy.
It’s imperative to understand your many treatment options, including inpatient, outpatient, and intensive outpatient. Here’s an overview of each of them:
Inpatient: This type of substance abuse treatment requires that you stay at the center in a provided bed and other lodging accommodations. At an inpatient facility, you will take part in substance abuse education and treatment activities for about eight to 12 hours a day. Recreational activities are usually provided. Most residential treatment centers provide cognitive treatment, substance abuse education courses, fitness training, nutritional guidance, and more.
Outpatient: This type of treatment allows you to go home each night after eight hour treatment periods. Attendance is usually three to five times a week. The only major difference between inpatient and outpatient treatment is that you are more heavily supervised at a residential facility, thus greatly decreasing your chances of relapsing during early recovery.
Intensive outpatient: This type of facility will provide you with comprehensive addiction service, but usually let you leave on a daily basis. Daily attendance is usually required in treatments as diverse as cognitive behavioral therapy to relapse prevention courses. As intensive outpatient is different than inpatient and outpatient therapy, you may be required to pay a daily copayment, like $20 to $50 a day.
What Happens After Treatment?
After you have completed a treatment program, you will take part in aftercare. Coverage for aftercare depends on your policy, but once again, you will likely have to pay a copayment for each visit. Having Cigna healthcare coverage will greatly reduce the overall expense of obtaining proper aftercare services.