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Cigna Health Insurance for Drug and Alcohol Treatment Programs in California

 

 

 

Cigna health insurance is a worldwide service company and provides health insurance to millions of people. Families or individuals with Cigna health insurance in California can access drug and alcohol treatment with the health insurance plan. Cigna health insurance provides coverage for a range of different services, like drug addiction treatment. Overall, the level of coverage depends on the type of plan. Families in need of drug rehab in California should contact their Cigna health insurance provider. Most drug rehab centers in California work with health insurance providers, and there are usually specific in-network substance use treatment providers through Cigna. Drug rehabilitation has a process; the first step is the drug detox. The purpose of drug detox is to manage withdrawal symptoms and cravings.

Following drug detox, the next step involves attending a residential or outpatient drug rehab center. Typically, the severity of addiction and underlying issues determine what type of drug rehab is needed. Once a family has determined what level of coverage they have through their health insurance plan, the next step is selecting the right form of drug rehab. Most families receive an addiction assessment, usually done with a private or state healthcare provider or a drug rehab referral agency. The purpose of an addiction assessment is to help determine the severity of addiction and what drug rehab centers are available. The family can take this information to their health insurance provider and select a drug rehab center that is the best fit for their drug-addicted loved one.

 

How Does Private Health Insurance Cover Drug Rehab in California?

Cigna health insurance covers different aspects of drug rehab, and the extent of coverage depends on the type of Cigna health insurance plan. The coverage can range from partial to 100% inclusive, and certain plans cover the entirety of the drug rehab process. Typically, whatever is not covered by the health insurance plan is paid out of pocket. Insurance coverage for drug rehab in California and out-of-pocket expenses may fluctuate depending on the specific plan. Like other health insurance providers, there are varying levels of plans classified as Bronze, Silver, Gold, and Platinum. Cigna offers plans to individuals, families, and employers. The types of plans include Health Maintenance Organization plans, Exclusive Provider Organization plans, Point of Service plans, and Preferred Provider Organization plans.

An HMO plan with Cigna requires the person to choose a primary care provider from a local network of health care providers. Overall, the cost of an HMO is generally lower than most health insurance plans. An EPO plan allows a family or individual to choose from a network provider, and it may require them to choose a primary care provider. However, seeking drug rehab in California out of network will likely not be covered. Point of Service plans offer families and individuals in-network care at a low cost and require the family to choose a primary care provider and require the family and individual to receive a referral for a specialist. Depending on the Cigna health insurance plan, the family may have full coverage or partial coverage.

 

What Type of Drug Rehab Does Health Insurance Cover in California?

The type of drug rehab in California that Cigna health insurance covers vary and it depends on the level of health insurance plan. Typically, drug rehab options include outpatient drug rehab that takes place in clinics or hospitals, local health departments, and counseling offices. Intensive outpatient drug rehab could also be covered, providing more service options for someone who needed outpatient drug rehab. Most partial hospitalization programs are covered, and these programs provide treatment to an addiction while they live at home. Residential drug rehab programs are also covered, but it may not be full coverage. Residential drug rehab programs in California operate as long-term or short-term, and the level of coverage depends on the type of health insurance plan. Moreover, most drug detox programs are covered by health insurance like standard detox or medically supervised detox.

 

Family Intervention for Drug Addiction in California

Families in California struggling with a loved one addicted to drugs or alcohol may not know how to help their drug-addicted loved one. Family intervention is a successful process, and it helps the family convince their loved one they need drug rehab. Family intervention can motivate someone to seek help for drug addiction. It is challenging to help a loved one struggling with any type of addiction. Family intervention is a focusses approach and is often needed. Most families hire a professional interventionist to help. Someone that is struggling with addiction is usually in denial about their addiction and unwilling to seek drug rehab. Moreover, they may not recognize the negative effects their behavior has on themselves and others.

A family intervention presents the drug-addicted family member with a structured opportunity to make changes before things get worse. Without proper help and drug rehab, substance abuse becomes progressively worse. Family intervention is a carefully planned process done with family and friends and the help of a professional interventionist. During the intervention, family and friends come together to confront the addict about the consequences of addiction and ask them to get help. During the family intervention, the family provides specific examples of destructive behaviors and offers prearranged treatment plans.

 

Health Insurance for Drug Rehab and Drug Addiction Trends in California

According to the California Health Care Almanac, alcohol use disorder was more prevalent than other types of substance use disorders. Approximately 6% of Californians reported meeting the criteria for dependence on alcohol, compared to 3% for illicit drugs. Overall, substance use disorders were more prevalent among young adults aged 18 to 25 and occurred at nearly twice the state average. Cigna health insurance covers over 330,000 people with private employer-based health insurance within California, and 0.6 million have private health insurance through Cigna.

 

Sources-

California Health Care Almanac. Substance Use in California: A Look at Addiction and Treatment. October 2018. https://www.chcf.org/wp-content/uploads/2018/09/SubstanceUseDisorderAlmanac2018.pdf

California Health Care Foundation. Health Insurance in California: A Recent History. December 17, 2018.