The decision to seek treatment for a substance use disorder or mental health disorder for oneself or a loved one can be extremely challenging, and that’s before one faces issues surrounding cost. After all, securing effective addiction and mental health treatment can be expensive and time-consuming.
That’s where Cigna, working in partnership with Detox Nashville, can help. If someone is wondering, “Does Cigna cover detox in Nashville?” read on to learn the answer to this question and much more.
What is Cigna?
Cigna is a global health service company dedicated to helping people improve their physical, mental, and emotional health. The company employs 74,000 people worldwide to serve more than 150 million members across 30-plus countries. The Bloomfield, Connecticut-based organization was formed by the 1982 merger of the Connecticut General Life Insurance Company (CG) and INA Corporation (the parent corporation of Insurance Company of North America).
Cigna boasts more than 60 years of experience in designing, implementing, and managing group health insurance and employee benefit programs. The organization prides itself on creating innovative healthcare solutions. Cigna’s health insurance plans fall into three categories:
- Health maintenance organization (HMO) plans. HMO plans tend to work well for those willing to work with healthcare providers who are in-network. HMOs cover healthcare services provided by physicians and facilities that contract directly with Cigna.
- Exclusive provider organization (EPO) plans. Cigna’s EPO plans allow members flexibility in selecting a healthcare provider. Still, some services may not be covered by Cigna if these providers or facilities are out of its network.
- Preferred provider organization (PPO) plans. PPOs enable members to choose among providers. Again, receiving healthcare services outside of Cigna’s provider network can result in significant costs that the member must pay out of their own pocket.
On the health insurance marketplace, Cigna offers four levels of individual health plans: Bronze, Silver, Gold, and Platinum. Each level covers a different share of the healthcare bills. For instance, Platinum is the most expensive plan, with Cigna paying off 90% of members’ healthcare bills. Gold covers 80% of members’ healthcare bills, Silver covers 70%, and Bronze covers 60% of members’ bills.
Does Cigna Cover Detox?
Yes, Cigna covers detox in Nashville for its members. The organization has partnerships with detox and addiction rehab facilities throughout the U.S. to provide these services to its members at discounted rates. Of course, out-of-pocket expenses for addiction treatment depend on the specific Cigna plan. Monthly premiums, copays, deductibles, and other costs can all vary from plan to plan.
While one should check with a Cigna representative to find out the requirements and offerings of their specific plan, most Cigna plans cover the following services:
- Inpatient or residential care
- Partial hospitalization program (PHP)
- Intensive outpatient (IOP) program
- Outpatient (OP) treatment
- Aftercare services
Does Cigna Cover Mental Health Treatment?
As required by the Affordable Care Act, behavioral and mental health treatment are considered essential health benefits. Therefore all health insurance plans must provide coverage for these treatments (with rare exceptions). Covered mental health benefits include counseling and therapy as well as inpatient mental health and addiction treatments.
Most Cigna healthcare plans cover therapy for mental health treatment, but, again, the extent of coverage depends on the plan. Also, how much a particular plan covers depends on factors like whether one has met the deductible and whether the healthcare provider is in-network or out-of-network.
The treatment modalities Cigna plans cover can include:
- Psychodynamic therapy
- Family therapy
- Dialectical behavior therapy (DBT)
- Cognitive-behavioral therapy (CBT)
The mental health conditions that Cigna plans cover can include:
- Eating disorders
- Mood disorders, such as bipolar I or II
Some mental health conditions that Cigna plans do not typically cover include:
- Couples counseling (see below for more info and ways to pay for couples counseling)
- Weight loss services
Most Cigna plans cover video therapy sessions, which enable members to use them instead of visits to a doctor’s or therapist’s office.
In-Network Versus Out of Network
Much of what Cigna members must pay in relation to their addiction treatment and mental health treatment needs depends on whether their specific healthcare provider is “in-network” or “out of network.” It is therefore essential that members know exactly what these terms mean.
If a member’s healthcare provider is in-network, that member will have to pay a copay and/or a deductible. The sum total cost of treatment depends, of course, on the specific plan. To find out how each mental health treatment session will cost, members are advised to look at their summary of benefits or contact a Cigna representative directly.
If a member’s healthcare provider is out-of-network, they will have to pay the entire fee that the healthcare provider charges upfront. However, in some cases, Cigna members will be partially reimbursed for out-of-network costs.
Will I Have to Pay a Deductible for My Cigna Coverage?
A deductible is the sum of medical costs a plan member must pay out of their own pocket before the insurance coverage begins. Whether one will have to pay a deductible with Cigna for mental health treatment or for Cigna-covered detox in Nashville, Tennessee depends on the plan.
It also depends on whether the provider is labeled in-network or out-of-network. It is therefore wise to reach out to a company representative to discuss options and what they might signify in relation to the deductible.
Learn More About Cigna Detox in Nashville, TN
Here at Detox Nashville, we believe no one should have to continue living with an addiction or a mental health disorder because of cost considerations. We have partnered with Cigna Insurance so that Cigna members can enjoy a range of treatment options.
For more information, reach out to your Cigna representative or contact us today.