What is Cigna Insurance?
Cigna Insurance is a global health insurance organization with more than 86 million customers. Cigna Insurance provides affordable healthcare for people around the world. Cigna Insurance also provides insurance coverage for addiction treatment. Cigna Insurance addiction treatment services include drug and alcohol rehabilitation, detoxification, and counseling for addiction treatment.
What is Insurance?
Insurance is a planned contract that you make with an insurance company to transfer the risk of financial loss due to specific, larger expenses. This means that you pay health insurance so that your healthcare provider can cover half, or the majority, of the bill in case you need a medical service done.
Does Cigna Insurance Cover Substance Abuse?
Your Cigna coverage for substance abuse treatment will vary depending on the level of your Cigna plan and the state that you live in. For example, the Cigna bronze plan offers lower premiums than Cigna’s gold or platinum plans. Although the bronze plan offers lower premiums, beware, as its deductibles and out-of-pocket expenses will be higher.
On the flip side, the deductibles and out-of-pocket expenses are much less expensive for gold and platinum Cigna plans. The coverage is also much better in the gold and platinum Cigna plans than in the bronze Cigna plan.
What is An In-Network Health Insurance Plan?
An in-network health insurance plan is one in which your doctor and medical facility have a contract with your health insurance plan. To have an in-network health insurance plan, your health plan must provide a list of networks, pharmacies, doctors, facilities, etc. that meet a certain credential criteria. These medical professionals and services also must be willing to accept a discounted rate for their covered services under the health insurance plan in exchange for being a part of the network.
Having an in-network insurance plan allows you, as the customer, to save money by allowing you to have a discount on the service rates of your health care provider under your insurance plan. On the other hand, having an in-network insurance plan helps health care providers gain more customers while simultaneously incentivizing customers to pay for a specific brand of health care insurance. In other words, having an in-network health insurance plan is a win-win-win for you, health care providers, and health insurance companies.
What is An Out-of-Network Insurance Plan?
An out-of-network insurance plan is one in which your doctor and facility have no contract with your health insurance plan. This means that your health insurer cannot control what your healthcare provider charges you for its service.
As a result, the rates that you would have to pay for your health care provider under your out-of-network health insurance plan will be much higher than it would be under an in-network health insurance plan. One reason for this is that you will have to likely pay full price when your insurance plan is out-of-network.
Another reason for this is that you may have to pay the difference between the doctor’s bill and what your insurance covers with an out-of-network insurance plan. The third reason for this is that under out-of-network plans you will have to pay for a percentage of the covered charges, otherwise known as coinsurance.
Out-of-network insurance plans have no copay. Still, out-of-network insurance health plans almost always have a higher cost of coinsurance than in-network insurance plans’ copay and coinsurance combined.
What About Cigna Network Plans?
When it comes to using Cigna insurance plans for substance abuse treatment, it is best to use an in-network plan. The reason for this is that using an out-of-network provider will require you to pay more out-of-pocket expenses. In fact, because some Cigna plans do not cover out-of-network services, you could be left paying the entire bill out-of-pocket.
It is important to note that there are some Cigna plans that cover parts of out-of-network services if you pay a deductible and coinsurance. If you need pre-certification for any substance abuse treatment services, look at your insurance policy or call the number on the back of your insurance card to see what services or treatment options your plan covers.
What Are Substance Abuse and Mental Health Treatments?
Substance abuse treatments are programs made to help people that are suffering from addiction to drugs and/or alcohol get clean and sober. The end goal of substance abuse treatment programs is to give the people in addiction recovery the ability to function in society in a successful manner as sober individuals.
Mental health treatments are programs made to help people that are suffering from mental illnesses better cope with their issues. The end goal of mental health treatments is to give the people suffering from mental illnesses the ability to function in society in a healthy manner.
Although substance abuse and mental health treatment programs treat very different things, the format of both of these treatment programs is often the same. In fact, many people that suffer from substance use disorders also suffer from mental illness. Because of this fact, there are treatment programs in which both substance use disorders and mental illnesses are treated simultaneously within the same program.
Types of Substance Abuse and Mental Health Treatment Programs
1. Inpatient Treatment
Inpatient treatment is a treatment program in which you have to live in the treatment facility all day and all night for a short, but intensive, period of time. Inpatient treatment usually includes some hospital stay and treatment. Patients that receive inpatient treatment are in the early stages of treatment and thus need 24/7 monitoring.
Residential treatment is like inpatient treatment in that they both require you to live in their treatment facilities all day and all night. One difference between inpatient treatment and residential treatment is that residential treatment is much more casual. This is because residential treatment operates more like a housing community.
Another difference between residential treatment and inpatient treatment is that residential treatment tends to last way longer than inpatient treatment does. This is because residential treatment lasts anywhere from 3 months to a year.
Outpatient treatment is a treatment program that allows you to spend the night in the comfort of your own home after receiving treatment at a treatment facility during the day. The amount of hours and days in the week that you have to spend at a treatment facility during outpatient treatment is dependent on the severity of your substance abuse problem or mental illness at that time.
4. Dual-Diagnosis Treatment
Dual diagnosis treatment is a treatment program that treats both mental illnesses and substance use disorders. Dual diagnosis treatment exists because many people who suffer from substance use disorders also have a mental illness. Therefore, to treat one of these disorders, you have to get to the root of the other disorder and recognize how the two disorders connect.
5. Holistic Treatment
Holistic treatment is a form of alternative treatment. In this type of treatment, counselors use non-medical services such as art and outdoor activities to help treat your substance use issues or mental illness. Holistic treatment can also provide you with coping mechanisms.
6. Hospitalization Treatment
Hospitalization treatment is the treatment in which you spend a large portion of your time in the hospital. Hospitalization treatment is for people whose substance abuse or mental illness condition needs close monitoring, a more accurate diagnosis, or adjustments in medication.
7. Medication-Assisted Treatment
Medication-Assisted Treatment (MAT) is a treatment program that utilizes prescription medications to help treat or stabilize you. If your mental illness is due to a biochemical imbalance in your brain, you may benefit from medication-assisted treatment. You may also benefit from medication-assisted treatment if you are experiencing severe withdrawals due to your detox of substances that you are addicted to.
Types of Therapy for Substance Abuse and Mental Health Treatment
Psychotherapy is when you talk to a therapist to explore and improve on how you cope with your thoughts, feelings, and behaviors.
2. Cognitive Behavioral Therapy
Cognitive-Behavioral Therapy is a form of psychotherapy that uncovers the unhealthy patterns that you exhibit within your thoughts, feelings, and behaviors. Once uncovering these unhealthy patterns, cognitive behavioral therapy helps you trade in your unhealthy patterns for healthy ones.
3. Eye Movement Desensitisation Therapy (EMDR)
Eye movement desensitization therapy (EMDR) is when a mental health professional will make you recall a traumatic memory while simultaneously making you move your eyes back and forth in repetitive movements. The goal of EMDR therapy is to help treat PTSD by reducing the emotional distress levels that you have when thinking about past traumatic experiences.
4. Group Therapy
Group therapy is when you have therapy sessions with one therapist and a group of other patients with similar issues as you. Within group therapy sessions, everyone gets time to express their thoughts and emotions.
Group therapy is beneficial because it provides you with the opportunity to get advice and learn from the mistakes of other people who have similar struggles as you. Group therapy is also beneficial because it provides you with a group of supportive peers that understand you and support you.
5. Family Therapy
Family therapy is when you have a group therapy session with your therapist and all your family members that have been affected by your substance use disorder or mental illness. When you struggle with a substance use disorder or a mental illness, it often brings stress to your entire family. Through family therapy, both you and your family members can work through any resentful emotions that you have towards one another.
6. Individual Therapy
Individual therapy is when you have talk therapy with just you and a therapist. Individual therapy provides you with the opportunity to just focus on you and your issues at a pace that is right for you. Individual therapy also gives you the opportunity to talk about any issues that you are too uncomfortable to talk about around others.
7. Exposure Therapy
Exposure therapy is a type of cognitive-behavioral therapy in which you go through any thoughts, actions, or experiences that trigger your anxiety with a therapist. The purpose of doing this is so that you can learn positive ways to cope with your triggers. Medical professionals use exposure therapy to treat obsessive-compulsive disorder, post-traumatic stress disorder, and phobias.
8. Dialectical Behavior Therapy
Dialectical behavior therapy (DBT) is similar to cognitive behavior therapy except that DBT emphasizes the validation and acceptance of your negative and uncomfortable thoughts, feelings, and behaviors. The theory behind DBT therapy is that if you can accept your negative and uncomfortable thoughts, feelings, and behaviors, you will have an easier time working through them.
9. Existential Therapy
Existential therapy is a therapy that aims to help you work through any inner conflict you have with life and the aspects of it that you cannot control or escape. The key themes that existential therapy often focuses on include freedom and responsibility, meaninglessness, and death.
During hypnotherapy, a hypnotherapist puts you into a deep state of relaxation. This is so that he or she can help you work through any goals or issues that you have through your subconscious. Hypnotherapy does not work on everyone, but it has been shown to be an effective way to help treat issues related to stress and anxiety.
Insurance for Treatment Is Made Easy With Unity Behavioral Health
Unity Behavioral Health has several treatment programs and forms of therapy that cater to both mental health disorders and substance use disorders. Through our variety of treatment programs, we aim to provide care that is specific to our patients’ individual needs.
To make things easier for our patients, we also make sure to offer our services through a variety of in-network health insurance plans. That way you do not have to break the bank to benefit from our one-of-a-kind treatment programs and beautiful facilities.
To learn more about Unity Behavioral Health and the insurance plans that we accept and work with, feel free to contact us 24 hours a day, 7 days a week.