Will Cigna Cover the Cost of Rehab?

Prior to 2009, many of the nation’s top insurance providers viewed addiction treatment as an elective procedure. That became the basis for them not covering any portion of a patient’s addiction treatment costs. From 2010 on, the ACA made it clear. Healthcare insurance providers are required to handle claims for addiction treatment the same way they would any other medical condition. Additionally, the preexisting clause in the ACA made it illegal to not cover addiction treatment costs on that basis.

As things stand now, all Americans are suppose to carry some level of healthcare insurance as an individual or through their employers. The healthcare insurance providers like Cigna are required to cover rehab costs with one caveat: the extent of coverage and the types of treatment can be limited based on some criteria.

The following information will address specifics about what addiction treatment costs healthcare insurers are required to cover.

Addiction Treatment Coverage by Healthcare Insurance Providers

As we indicated above, not all addiction treatment processes are required to be covered by healthcare insurance policies. With that said, a major healthcare provider like Cigna might choose to cover a wider range of addiction treatment processes for various reasons. They might do this as a marketing ploy or in order to help the policyholder prevent more serious health issues in the future.

Prior to entering treatment, it’s incumbent on the patient to understand exactly what their policy will cover. Most treatment facilities, especially in MA, will be more than happy to assist in the discovery process by talking directly to the insurance company. Once coverage is understood, the patient will have to determine whether or not they have the financial resources to cover any additional treatment costs. At all times, a lasting recovery should be the primary goal.

Here’s the basic costs the ACA requires insurance companies like Cigna to cover, at least in part: