CIGNA Health Insurance is a United States-based health insurance company, though it has a wide outreach of staff, clients, and global businesses.
As of December 2022, their website reports over 178 million customer relationships, as well as over 2 million relationships with healthcare providers, clinics, and other facilities (1).
Having health insurance is something that many individuals entering different forms of rehabilitation should consider, as companies such as Cigna have a long-standing history of supporting those in care – whether this is physically, mentally, or emotionally.
This post will explore the different factors involved in healthcare insurance, as well as advising how these services work, what they cover, and other important facts to know before beginning your rehabilitation journey, through Rehab 4 Addiction’s referral services or other means.
Although Cigna is primarily based in the US, this does not mean that cover is not offered in other areas of the world, such as in the United Kingdom.
In the UK, Cigna offers global plans or Close Care plans, both of which may be eligible for direct billing options, which allow easier payment plans for those who live outside of the US.
In general, Cigna aims to make itself accessible to all individuals who would benefit from its healthcare benefits, meaning that it often works alongside different intergovernmental organisations (IGOs) as well as non-governmental organisations (NGOs) to provide support all across the world.
All insurance companies are different in the services that they offer and where these services are offered, so it is vital that individuals do their research or find out more before initiating their rehabilitation journey and have to make changes later.
Information on which countries are covered by each company’s different healthcare plans are generally outlined across these companies’ individual websites, but individuals can also contact referral services such as Rehab 4 Addiction to get immediate information on healthcare insurance providers and what each one will cover and where.
The exact rehabs accepting this insurance is subject to frequent change. To find the updated list of rehabs accepting Cignal health insurance, contact us on 0800 140 4690.
As mentioned above, there are many different sources of information that list where an individual will be able to receive rehabilitative care and what type(s) of care are covered by each insurance provider.
You can contact our helpline on 0800 140 4690 to find out which specific rehabs accept Cigna health insurance.
The approval process for rehabilitation includes ascertaining whether or not an individual’s care programme will be covered through any existing or potential future healthcare providers.
Cigna’s referral programme also considers the following factors:
In most cases, the individual will also need to gain a referral for addiction from their general practitioner (GP) as well as pre-authorisation from Cigna itself.
Those seriously considering Cigna as a healthcare insurance provider should consider creating an account to make the process faster in the future or to stay informed with updates and changes in policies.
Typically, all individuals who are in position to require Cigna Healthcare Insurance should ensure that all the details of this are covered before they enter any type of drug and alcohol rehabilitation.
From an administrative point of view, this is so that the rehabilitation provider correctly bills and charges the individual; any changes to payments etc. could cause potential delays in care, for example.
This can be discussed with the individual’s healthcare provider (Cigna – in this case) or by calling Rehab 4 Addiction’s 24/7 addiction support hotline on 0800 140 4690.
Depending on the Vitality Cigna Treatment plan that the individual has chosen, there will be different levels of care and different treatment options that may be covered.
In general, Cigna healthcare insurance covers both inpatient and outpatient care, including the three key stages of rehabilitation: detoxification, therapy, and aftercare.
Healthcare insurance for employees and international plans will also typically cover addiction/substance use disorders, though this should always be double-checked.
In terms of the actual cost of rehabilitation, Cigna may pay refunds of up to £15,000 for rehabilitation in the UK, but this is also dependent on the type of plan and the coverage that this provides.
Healthcare insurance can cover the following areas:
However, what is covered will depend on the ‘Level of Care’ that the individual has signed up for through Cigna Healthcare.
This is dependent on the individual’s needs; no individual will be required to pay for a high level of care than they require, and this is why it is essential that individuals are completely honest and transparent during the approval process and previous to this when beginning their rehabilitation journey.
Though it is possible, in some cases, that individuals can access some forms of rehabilitation through NHS health insurance and the NHS in general, this is not generally as part of a complete drug and alcohol rehabilitation programme.
For example, individual treatments such as therapy sessions, short-term detox programmes, and other short-term forms of care are available through the NHS, but these also come with the risk of long waiting times and lists which is not suitable in many cases of extreme addiction struggles.
Individuals whose claims through Vitality Cigna Insurance are denied, as well as those who feel as though another provider may be more suitable for them have many options.
In all cases of emergency with addiction, individuals should contact emergency services, but those seeking further help and support with entering different rehabilitation programmes and centres can always speak to a member of the Rehab 4 Addiction team to learn more about the other options available to them.
Our addiction support line is available 24/7 on 0800 140 4690 for individuals to start their rehabilitation journey today, staffed by professional, friendly, and non-judgmental individuals to help with any enquiries or questions.
[1] Cigna healthcare; About Cigna Healthcare; 31 December 2022; https://www.cigna.com/about-us/
