Rehab Centers That Accept Cigna Insurance In Vermont
When the Affordable Care Act became law in 2010, the coverage of mental health and substance ab use treatment became mandatory. The essential services related to substance abuse disorder treatment include, behavioral therapy treatment, mental and substance abuse inpatient care, and substance abuse disorder treatment.
In Vermont, Cigna offers these benefits through a personal/family health insurance policy or from employer-provided health insurance. Cigna and all other health insurance providers began offering this coverage as a result of the Mental Health Parity and Addiction Equity Act of 2008. The law mandates that carriers like Cigna offer you addiction services at levels that equal the coverage of other covered services for inpatient and outpatient care. The law applies to all employers that have more than 50 employees.
Cigna pays for both inpatient and outpatient substance abuse disorder care. Factors that go into the decision-making process regarding which type is right for you include: the intensity of your addiction; your mental health; available family support systems; your living situation; and your program payment method. Discussing these issues with the program you are interested in attending creates a less stressful rehabilitation experience. Remember: some services require prior authorization or you could be responsible for the bill.
Cigna Services and Prior Authorization |
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| Service Type | Needs Prior Authorization | Prior Authorization not needed | Network Copay | Out of Network Copay |
| Mental/Behavioral health outpatient services | X | $60 per visit | 50% | |
| Mental/Behavioral health inpatient services | X | $1,000 per day | 50% | |
| Substance use disorder outpatient services | X | $60 per visit | 50% | |
| Substance use disorder inpatient services | X | $1,000 per day | 50% | |
State Of Vermont Cigna Coverage For Substance Use Disorders
Covered services in Vermont vary among policies. For example, Cigna covers treatment for both alcoholism and problem drinking. Alcoholism is more severe than problem drinking – people who are problem drinkers do not drink all the time, but drink excessively during those times. A common term for this problem is “binge drinking,” i.e. drinking heavily during specific times, such as the weekends.
Cigna has a special team called the Alcohol Specialty Care Management Team. This is designed to help members get the health care they need to beat alcoholism and problem drinking. Their recommendations are to attend a facility in Vermont that best meets your needs, even if there a rehabilitation program just around the corner from you.
When you decide to seek treatment for your substance abuse disorder, contact your insurance provider and utilize the tools at RehabCenter.net. Our counselors can help you regain the life of sobriety that you deserve.
