Insurance And Rehab Coverage

Rehab Coverage

You’ve made the decision to get clean, to seek rehabilitation for your substance use disorder. No matter what’s led you to this point, this is a strong decision. You need to commit to ending this tumultuous time of your life. Someone is going to be there to grab the hand you have extended and help you up on the way.

Sometimes one of the biggest worries is how you will pay for the help you need. If you have insurance, you may have questions about what is covered. With the insurance company, Cigna rehab is covered in a variety of ways. Let’s go over some terminology you’re going to encounter as you go through your insurance plan, then take a look at choosing what type of therapy is going to be best for your needs.

Common insurance terms

The most common terms you will need to be aware of involve payment. Some of these terms have similar definitions and can be confusing. Here are some of the terms.

A Copay is the amount you contribute to a service you have received. Usually this is presented in a percentage, but may also be a flat fee. Copay amounts will differ between service types. A Specialist usually has a higher copay.

Coinsurance is the amount you pay toward services and items, presented only as a percentage.

When you pay a deductible, you are paying the fee that must be paid before insurance will start covering services. Deductible amounts vary from company to company and even policy to policy, but it does not change based on the services you are making use of.

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Lastly we have the Premium. A premium is a fee you pay monthly to keep your insurance coverage. If you work and get your coverage through a provider, this may be deducted from your paycheck. Otherwise, you would pay it in the same way you pay any other bill.

Look for more medical terminology here.

What type of services are best for you?

Most insurance companies do cover rehabilitation from addiction. The medical term used is Substance Use Disorder. Your insurance company provides guides for what is covered. You will want to look for assistance from in-network providers. This will be cheaper as some insurance companies will not cover services considered out of network unless no in network providers are available.


There are several reasons to choose in-patient services. Ask yourself these questions:

Did outpatient services help me in the past?

Am I going to have trouble getting back and forth to a rehabilitation facility?

Are there other health problems, physical or mental, that might make being in-patient a better choice?

Do I need an environment free of drugs and alcohol?

If you answered yes to these questions, in-patient services may be your best choice. They can provide an environment without temptations, and provide assistance with other issues that may be contributing to your substance use disorder. If you live far from a rehabilitation center, this will also solve the issue of getting to and from the center.


Here are a few more questions to consider:

Will my boss let me take a leave of absence? 

Can I afford to quit if they won’t allow me the time off?

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Will I be okay away from my loved ones?

Can I afford in-patient treatment?

The answer to these questions may be no. That points you toward out-patient rehabilitation. Sometimes, life can’t slow down to allow for going away for up to six weeks. Luckily if you are close to your chosen rehabilitation facility you can get help while still living your life.

Doing your therapy out-patient has the benefit of keeping your friends and family close. This allows you to draw on them to help you if you ever need it. There are people who do better when they can keep busy, and out-patient therapy allows you to continue to work. You do have to keep in mind that you will have to commit to attending every session without fail. 

Check here for the SAMHSA’s website, which can connect you to people who can help with this decision.

Other Services

Rehab Coverage

There are other types of services that can help you during and after your substance use disorder treatment is done. There are many groups dedicated to providing a safe environment and group therapy. Alcoholics Anonymous and Narcotics Anonymous are just two examples of 12-step programs that have helped many. There are other groups that can help as well.

Another additional service to consider is individual therapy. If you suffer from mental health issues, it’s important to address these issues while going through substance use disorder rehabilitation. At times, your mental health can be a major contributor to why you turned to these substances. Talking to a professional will allow you to go through what may be causing your issues. Therapy can also help you resolve these issues.

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Group therapy also exists for mental health issues. Family and couples counseling can help if your substance use disorder creates rifts in your family. Sometimes you need another person to tell you that something you did hurt them to resolve problems. This gets your family involved in your rehabilitation and strengthens your support network.

There has been a heavy emphasis in recent years on taking care of your mental health. In addition some experts are highlighting taking care of your whole self, which involves body, mind and spirit.  Many insurance companies now offer greater coverage for mental health issues. This means that you won’t have to worry about additional therapy coming entirely out of your own pocket.

Keep moving forward. You will find that there is plenty of help waiting for you. Remember that you can direct questions you may have about coverage to your insurance company or you can reach out to a social worker for more information about services you may be able to use. Armed with this information, you will keep moving towards the dawn of your new life.