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Does Insurance Cover Addiction Rehab?

When you’ve taken a big step toward recovering from addiction, there are a lot of questions that you may need answered. One of the biggest questions may be if your insurance company even covers rehab. This leads to other questions, such as what kind of addiction rehabilitation your insurer will pay for. Will they let you stay at a facility, or will they only cover Outpatient rehabilitation?

These are the types of questions that may get in the way of your number one focus, which is to recover from your addiction to turn your life to its next chapter. Here are some answers to Cigna insurance coverage, and how to choose what type of therapy might be right for you. This way, you can continue with your journey with no worries. Let’s take a look at finding out about your Cigna drug rehab coverage

What is Cigna?

Cigna is a health insurance company that operates in thirty countries and jurisdictions. They boast that they provide insurance for 180 million customers. Their focus is whole health, which includes body, mind, and spirit. Cigna has 70 thousand employees and work with 1.5 million providers, facilities, and specialists. 

Cigna has a page on their website dedicated to drug addiction rehabilitation, which they call Substance Use Disorder. They cover both in and out patient services. Let’s take a look at what they have to say about their coverage. More information on your Cigna health coverage is available on their website.


Cigna suggests inpatient therapy for people who have tried outpatient therapy but feel as if they need more help. Other reasons to choose in patient therapy includes distance from a rehabilitation facility. Those with physical issues that may limit mobility or households that make it difficult to stay away from a patient’s vices are also reasons to choose inpatient therapy.

Inpatient therapies offer an intense focus on recovering from substance use disorder. It gives a caring, and understanding environment to help you focus on recovery. Cigna will cover one to six weeks of inpatient therapy. It’s recommended that a patient continues with outpatient therapies to reinforce their commitment to getting well.


Outpatient services are good for people who are close to a rehabilitation facility. If you are working and unable to either take a medical leave or leave of absence, or are in a position where you cannot quit working, this is also a good option. Sometimes inpatient therapy can be expensive. Some also want to stay close to friends and family, who make up the bulk of their support network.

When doing outpatient therapy, an environment that does not allow for easy access to drugs and alcohol is ideal. Moving in with a family member, or even into a new area of town can help with this. During this type of therapy, you are responsible for making your sessions on time. In addition, other support groups may be useful to you to keep you on the right track.

Other Support Groups

To make your rehabilitation stick, it’s recommended that you continue to reach out to others after your rehabilitation is done. There are several groups available for those struggling with drugs and alcohol, like Alcoholics Anonymous and Narcotics Anonymous. Your rehab facility may also have resources to link you to other types of groups. Stay committed to your goal of healing from substance use disorder and you will find that these resources become invaluable.

It is also important to keep the health of other parts of you in mind. If you are suffering from depression or other mental illness, a counselor or group therapy can also help. These types of sessions can help you identify other issues that may have contributed to your substance use disorder. Once identified, you can work on resolving these issues. Resolving these issues will help strengthen your resolve.

Here is more information on finding the right type of group support for you.

The ABC’s of Insurance terminology

When taking a look at your benefits, there can be a list of confusing terms that might make things a little more complicated. Here are some terms that you may encounter while looking through your insurance paperwork.

Copay: This is the amount you have to pay for services and goods related to treatment. This is your contribution. This might be presented as a flat fee or a percentage.

Coinsurance: This is the amount your policy requires you to pay for services. This is often presented in a percentage.

Deductible: The amount of an insurance policy that must be paid before benefits will go into effect.

Premium: the amount you pay to hold the insurance policy. This is usually a monthly fee, but sometimes can be paid annually. If you receive insurance through your employer, you likely have this deducted from your paycheck.

EOB: An Explanation of Benefits, or EOB, refers to a document generated after a claim is submitted. This will explain what was covered by the insurance company and what you might still owe to the provider. It will also provide an explanation if something was not covered.

There are many other terms that might be useful to learn. Check this website for more information on understanding how your insurance policy works:

Who can I ask for more help?

Many facilities employ social workers, who can help connect you to services and explain various benefits that you may be eligible for. You can also contact someone in financial services, who will be able to answer questions about bills. Lastly, your insurance company is there to help. Many companies have a login area for customers to find out information for bills, claims, EOBs and more. They are also available by phone to answer questions you may have about your policy.

Remember–you are not alone in your journey away from substance use disorder. Friends and family will be there to catch you, and creating a network of professionals will only strengthen your support network. Keep going–you’re going to make it through this. Make use of the resources available to you and look forward to the bright future ahead of you.

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MD Abdullah
MD Abdullah
Abdullah is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson. She is the author of four books, including End Financial Stress Now and The Five Years Before You Retire.


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