Are you wondering if your Cigna health insurance in Los Angeles will cover a stay in rehab? If you have a problem with substance abuse, it can be difficult to know where to turn. You may not have the money to pay for treatment on your own. Attempting to research Cigna rehab insurance coverage can be overwhelming when you’re dealing with other problems. The idea that health insurance will cover everything might seem too good to be true. Is it really that simple?
Examining the Law: Is Cigna Rehab Insurance Coverage Mandated?
When attempting to use Cigna Health Insurance in Los Angeles to pay for rehab, a number of concerns may come up. You might be worried that your insurance won’t provide the treatment you need. Another concern is the possibility that attending rehab will raise your premium. Luckily, there are legal boundaries in place to prevent insurance companies from taking advantage of patients.
According to the Affordable Care Act (ACA), an insurance company can not raise your rates simply because you attended rehab. The ACA considers mental health and substance-abuse treatments to be among the 10 essential services. Much like you can’t be punished for having a pre-existing condition, you also can’t be punished for using Cigna health insurance in Los Angeles for any of these essential services.
The law also requires that Cigna Health Insurance in Los Angeles cover some form of drug treatment. According to the Mental Health Parity and Addiction Equity Act of 2008, insurance companies must provide similar coverage for mental health and substance abuse treatment as they would any other health treatments. In other words, Cigna must take addiction as seriously as they take cancer or any other life-threatening condition.
Researching Rehab: What Does Cigna Health Insurance in Los Angeles Cover?
Founded in 1792, Cigna is now a global health services organization. The company offers both Medicaid and Medicare products as well as a variety of insurance policies.
The amount of Cigna rehab coverage you’ll receive depends on your policy, your health situation, and a variety of other factors. Like many insurance companies, Cigna Health Insurance in Los Angeles offers tiered plans. A low-tier plan is available for a lower premium but requires more out-of-pocket costs. Upper-tier plans offer more coverage at a higher price.
When determining Cigna rehab insurance coverage, you’ll need to look over the details of your policy. However, it’s safe to say that your Cigna insurance will cover some portion of your treatment, such as medical detox, inpatient treatment, and sober living.
Seeking Help: How Can You Best Use Your Cigna Rehab Insurance Coverage?
Now that you’ve learned about rehab insurance coverage, your next step is to find a quality recovery center that offers the evidence-based treatments you need to get well. Here at Melrose Recovery, we focus on healing the inner conflicts that lead many people to abuse drugs and alcohol. We help inspire you to create excitement and happiness in your world using a variety of proven healing techniques, such as:
- Cognitive behavioral therapy
- Art, music, and experiential therapy
- Team activities and adventure sports
- Fitness and nutrition counseling
- Inspirational speaking
Recovering from drug and alcohol abuse is never easy, but with support from the team at Melrose Recovery, you’ll be able to find hope for a better tomorrow. Please contact us today to verify your insurance coverage and begin your healing journey. Contact Melrose Recovery Group today at 866-271-3438.