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Healing the body and mind from addiction is a complex process that might need several forms of treatment. That’s why the costs can go up unexpectedly, and that’s something that many of us don’t want to experience. Thankfully, there are insurance policies that will help ease this financial burden.

As your trusted drug addiction treatment center, Elysium Healthcare offers plenty of options for insurance policyholders. One of the most frequent carriers we encounter is Cigna, one of the biggest healthcare insurance companies in the US. We accept most of their insurance plans so you or your loved one can get the Cigna rehab needed to recover at one of our 5 California facilities. 

Cigna Drug Rehab: Policies for Addiction Treatment

Insurance companies are required by the Affordable Healthcare Act (AHA) to provide some level of coverage for drug rehabilitation or substance abuse treatments. This includes expenses for detoxification, inpatient rehab, residential rehab, and partial hospitalization. Still, the coverage will depend on the type of plan you get. Cigna has several tiers in particular, and these are as follows:

  • Bronze: The Cigna Bronze plan is the most affordable option in terms of monthly premiums. However, you can only claim 60% of medical expenses and you have to pay the other 40% out of pocket.
  • Silver: The price tag for the Cigna Silver Plan is higher than the Bronze Plan, but Cigna will cover 70% of the total expenses while you only pay 30%. 
  • Gold: The second most expensive option is the Cigna Gold Plan. The company will pay 80% of your medical expenses and you pay only 20% out of pocket.
  • Platinum: If you have the means, you can opt for the Cigna Platinum Plan as it offers the most coverage. They will cover 90% of your expenses while you only pay 10% out of pocket.

Out-of-Pocket Payments and Deductibles

Given the numbers above, you still need to consider your deductibles. In insurance, this is a set amount you have to pay before your policy starts to cover the costs. In most plans, your deductible will be lower if your monthly premiums are higher. The same is true vice versa.

It’s important to remember that out-of-pocket payments include all the deductibles, co-pays, and co-insurance payments that you pay outside of your monthly premium. This value has a maximum, and if you’ve reached that amount, all other expenses will be covered by your insurance company.

HMO and PPO: What’s the Difference?

Cigna has other variations of insurance plans compatible with the tiers mentioned. Among these are HMO and PPO plans, two classifications with Bronze to Platinum tiers. There are a few key differences between these two, so read on to learn which option is the best for you.

HMO

HMO stands for Health Maintenance Organization, a network of healthcare providers who provide services for insurance holders and their dependents. An HMO plan gives you access to these doctors, but you’ll need to choose a primary care provider from this network. This option requires lower monthly premiums than PPOs, so it’s a good option for those within a budget.

PPO

The Preferred Provider Organization (PPO) plan is the more expensive option, but this will allow you more flexibility. You can choose a healthcare provider outside of the PPO network without the need for referrals, and you’ll still be covered. This is a good option if you want a recovery or drug addiction specialist who is outside of Cigna’s PPO network.

Cigna Rehab Treatments at 90210 Recovery

At 90210 Cigna, we accept most Cigna policies to cover your or your loved one’s treatment costs. That way, you can rest easy knowing that you’re getting the best programs without endangering your finances. You’ll be well on your way to complete recovery with the help of our addiction specialists, therapists, and counselors. Some of the programs offered include: 

  • Medical Detoxification
  • Residential Inpatient 
  • Family Support
  • Recovery
  • Mental Health Repair
  • Aftercare and Alumni Programs

Why Get Insurance in the First Place?

Some people are hesitant about getting insurance, since it’s something you only benefit from if you’re injured, which everyone avoids as much as possible anyways. However, try as we might, everyone ends up injured at some point. Having an insurance plan is a guaranteed cushion that protects you from huge financial losses when illnesses or injuries happen.

Lower Out-of-Pocket Costs

The most basic reason why people get insurance is to lower the costs of medical procedures and related expenses. This is especially applicable for those with drug addiction or substance abuse problems, since rehabilitation will mean extended stays in a treatment facility.

Access to More High-End Treatment Centers

Depending on the type of plan you get, you’ll have more freedom in choosing the treatment center where you or a loved one will stay. These include ones with more programs or specialists. The costs won’t be much of an issue since your insurance will be covering it.

Investment Opportunities

Part of the premiums you pay become investments after some time. This means that you’ll be earning a certain amount, called dividends. The amount will depend on your monthly payments and it increases proportionally.

Reach Out to Us

For more information about Cigna insurance plans and what treatments are covered, please contact us today. Our team will be on standby to answer your inquiries.