Find Alcohol & Drug Rehabs that Accept Cigna Insurance

In many cases, yes. Cigna provides behavioral-health and substance-use-disorder (SUD) benefits that may include coverage for addiction treatment when it’s determined to be medically necessary.

Coverage specifics depend on your exact plan, state of residence, provider network, and treatment type, so it’s essential to verify your individual benefits.

Depending on your plan, Cigna may cover many of the following services when medically necessary:

• Medically supervised detoxification (inpatient or outpatient)
• Inpatient or residential rehab programs, including 24-hour care when required 
• Partial Hospitalization Programs (PHP) and Intensive Outpatient Programs (IOP) 
• Outpatient therapy and counseling, including individual, group, or family sessions
• Medication-Assisted Treatment (MAT), typically using FDA-approved medications for opioid or alcohol dependence
• Treatment for co-occurring disorders (dual diagnosis) — substance use together with mental health conditions

Cigna evaluates treatment for addiction under its behavioral-health benefits, applying standards such as medical necessity, network status, and plan requirements. 

Your provider or treatment facility may need to submit documentation or obtain approval (prior authorization) before full coverage is confirmed.

Selecting an in-network facility can reduce your out-of-pocket costs, as those providers have agreed payment arrangements with Cigna.

Out-of-network care may still be covered under some Cigna plans (especially PPOs), but you’ll likely face higher deductibles, coinsurance, or upfront payment hassles.

While every plan is different, here’s what to expect:

• You may need to meet an annual deductible before coverage kicks in.
• After the deductible, you’ll often pay copays or coinsurance for covered treatment.
• In-network services generally cost less than out-of-network care.
• Plan tier (Bronze, Silver, Gold, Platinum) and state regulations affect your share of costs.

Better Addiction Care can help you estimate your expected costs under your specific Cigna plan.

Before authorizing certain types of care, Cigna may require:

• A clinical assessment confirming a substance use disorder
• A referral or recommendation from your primary care physician or mental-health provider
• Documentation that treatment is medically necessary
• Use of a licensed, approved facility or provider

These steps help ensure the treatment meets Cigna’s clinical and network standards

Verifying your insurance benefits ahead of time ensures you understand:

• Whether your chosen facility is in-network with Cigna
• Your deductible, coinsurance, or copay obligations under your plan
• Whether prior authorization is required and who will handle it
• Which services (detox, PHP, MAT, etc.) are included under your plan

At Better Addiction Care, we assist with verification so you can focus on recovery—not paperwork.

You can verify your benefits by:

1. Calling the phone number on your Cigna ID card and asking about substance use disorder benefits.
2. Logging into your member portal on Cigna’s website to review behavioral-health and substance-use coverage.
3. Allowing Better Addiction Care to coordinate with Cigna directly to confirm your benefits, network providers, and any required authorizations.

Cigna offers coverage for behavioral health and addiction treatment across the U.S., but the exact options and in-network facilities vary by state and plan type.

Better Addiction Care works with programs and facilities nationwide that accept Cigna, helping you access options in your region or travel beyond if needed.

If your Cigna plan doesn’t pay for the full cost of your chosen program, options include:

• Choosing an in-network facility to reduce cost
• Considering sliding-scale or payment-assistance options at treatment centers
• Discussing alternative levels of care (outpatient instead of inpatient) if medically appropriate

Better Addiction Care guides you through these contingencies so you still get the care you need.

With Cigna coverage, Better Addiction Care offers you support to:

• Confirm your benefits and what you’re eligible for under your plan
• Handle pre-authorizations and documentation on your behalf
• Match you with qualified, accredited treatment centers that accept Cigna
• Explain your cost-responsibility upfront so you’re fully informed before admission

We simplify the insurance process so you can concentrate on personal recovery.

Taking the first step is easy.

Call Better Addiction Care today or complete our secure online form to review your Cigna benefits and explore treatment options tailored to your needs and insurance coverage.