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Cigna Health Insurance for Drug and Alcohol Treatment Programs in Texas

 

 

Cigna health insurance for drug and alcohol rehab programs in Texas helps families cover some or all of the cost of drug rehab. Cigna is a worldwide health service company that helps people better their overall health and well-being. Cigna provides coverage for a range of treatments that help people recover from drug addiction. Like other health insurance providers, the level of coverage you receive from Cigna for drug rehab varies and is based on the health care plan and state a person lives in. Health insurance is an excellent option to consider because it helps pay for some of the cost of drug rehab. With the passage of the Affordable Care Act, more people in Texas now have access to the drug rehab they need through their health insurance.

The rehabilitation process to treat addiction involves multiple steps, and initially, a family should receive an assessment. An addiction assessment evaluates the addict and recommends drug rehab programs. The first step in treating drug addiction is drug detox to manage withdrawal symptoms and cravings. Typically, the severity of withdrawal and the extent of addiction determine what method of drug detox is needed. The next phase of drug rehab involves attending a residential or outpatient drug rehab program in Texas. Cigna health insurance plans may cover both options, but it depends on the plan type and what services are available in the network or out of the network.

 

How Does Cigna Health Insurance Cover Drug Rehab in Texas?

The process of using Cigna health insurance to pay for drug rehab begins with contacting the health insurance provider. It is important to know what services are offered within the network or if there pre-authorization, copay, or out-of-network providers. Typically, pre-authorization is usually required for the treatment of drug addiction. For example, prior approval is when the health insurer determines what rehabilitation or equipment is medically necessary for the condition. A family with an addicted loved one who has Cigna health insurance may be required to have pre-authorization for drug addiction treatment services for insurance to cover the services. In addition, there may also be a deductible or a copayment or coinsurance service.

A copayment is a flat amount that is paid for the services, and coinsurance is a percentage of the costs that are paid. A deductible is an amount that is paid for covered services before Cigna pays for drug rehab. Usually, accessing drug rehab in Texas from an in-network provider does help with avoiding paying the full cost of drug rehab. Out of network providers do not usually have a negotiated set price with the health insurance provider. Cigna health insurance plans also offer an employee assistance program that gives access to licensed clinicians. Most employers in Texas provide health insurance plans to their employees.

 

What Type of Drug Rehab Does Cigna Health Insurance Cover in Texas?

The type of drug rehab services and plans Cigna health insurance covers vary, but there is a range of treatment services for drug addiction. For example, outpatient drug rehab takes place in clinics at hospitals and local health department offices. Most health insurance plans cover some type of outpatient service or counseling. Intensive outpatient drug rehab programs are common where a patient meets three days per week, and these programs can last one to three months. Residential drug rehab programs are live-in facilities where the patient lives during drug rehab. Residential drug rehab is the better option if health insurance covers it because more counseling and therapy services are offered.

Cigna offers different plans to families, individuals, and employers. Common types of health insurance plans include Health Maintenance Organization plans, Exclusive Provider Organization plans, and Point of Service plans or Preferred Provider Organization plans. HMO plans typically require the person to choose a primary care provider from a local network of health care providers. The cost of an HMO is generally lower. A PPO plan offers a large network of health care providers and does not require the person to choose a primary care provider. With a PPO plan, the individual can see specialists without obtaining a referral.

 

Family Intervention for Drug Addiction in Texas

Watching someone struggle with drug or alcohol addiction is not easy, and families often struggle to know what direction to take to help their loved one. Even if a family has arranged drug rehab in Texas through their Cigna health insurance plan, the first step is getting the person to drug rehab. Family intervention in Texas motivates the individual to seek help for their drug addiction. Someone struggling with drug addiction is often in denial about their situation and unwilling to seek treatment. In addition, they may not recognize the negative effects their behavior has on themselves and others. With the help of a family interventionist, the individual is motivated to seek help and presented a structured opportunity to make changes before things get even worse.

During a family intervention, friends, family, and the interventionist come together to confront the addict about the consequences of addiction and ask them to accept help. A family intervention provides specific examples of destructive behaviors and their impact on the addict and their family. The intervention also offers prearranged treatment plans with clear steps, goals, and guidelines. More importantly, the intervention spells out what each person will do if the addict refuses to accept help. A successful family intervention is planned carefully. However, a poorly planned intervention can worsen the situation.

 

Health Insurance and Drug Addiction Trends in Texas

Most residents of Texas have some type of health insurance plan, and health insurance does cover some parts of drug and alcohol rehabilitation. In 2019, in Texas, 54% of residents had private health insurance, 17% had Medicaid, and 10% had Medicare. During that time, approximately 17% were uninsured, and Medicare and Medicaid programs cover over five million people. Drug addiction impacts many lives, and without proper help, drug addiction becomes progressively worse. According to the Texas Behavioral Health Barometer, among people aged 12 or older in Texas from 2015 to 2017, 6.3% had a substance use disorder in the past year.

 

Sources-

https://www.samhsa.gov/data/sites/default/files/cbhsq-reports/Texas-BH-BarometerVolume5.pdf

https://www.ahip.org/wp-content/uploads/Texas_StateDataBook_2019.pdf