Yes, Cigna HealthCare of Arizona, Inc. typically covers Arizona’s mental health and substance abuse rehab costs, including services like detoxification, inpatient rehabilitation, outpatient therapy, and dual diagnosis treatment. However, the extent of coverage can vary depending on your specific plan.
You must check your individual plan details or contact Cigna HealthCare of Arizona, Inc. directly to confirm the coverage specifics, such as copayments, deductibles, and any pre-authorization requirements. Additionally, certain rehab centers in Arizona may be in-network or out-of-network, which could affect the overall rehab treatment cost.
If you’re seeking treatment at a luxury rehab center in Arizona, Nirvana Recovery in Phoenix offers a wide range of services, including dual diagnosis and individualized treatment plans . We work with various Arizona insurance providers, including Aetna, Cigna, GEHA, UMR, and BCBS. We can confidently verify your insurance coverage, with the possibility of up to 100% of your rehab treatment costs being covered. (We also offer convenient cash payment options.)
Cigna HealthCare Plan Of Arizona
Cigna’s strong presence in Arizona provides comprehensive coverage options, including mental health and substance abuse treatments. The plans typically offered by Cigna are:
Health Maintenance Organization (HMO): Requires members to use a network of doctors and hospitals.
Preferred Provider Organization (PPO): Offers more flexibility in choosing healthcare providers.
Exclusive Provider Organization (EPO): A blend of HMO and PPO, requiring network providers but not needing referrals for specialists.
Point of Service (POS): Combines HMO and PPO features, allowing out-of-network visits with higher costs.
Enrollment Information
Open Enrollment for 2024 has ended, but you may qualify for enrollment during a Special Enrollment Period. If you want to shop for a plan now, call Cigna at 1 (855) 953-0993 for a quote. You can also shop and compare plans online.
What Is Not Covered by Cigna Insurance in Arizona
While Cigna offers comprehensive coverage in Arizona, there are certain exclusions and limitations to be aware of:
Non-Participating Providers: Services from out-of-network providers are not covered except in emergencies.
Excess of Maximum Benefit: Expenses exceeding the maximum benefit limits are not covered.
Non-Covered Services: Services not listed as covered in the plan’s Evidence of Coverage (EOC).
Non-Medically Necessary Services: Services or supplies deemed not medically necessary.
Experimental or Investigational Procedures: Treatments considered experimental or investigational.
Pre-Effective Date Services: Services received before the coverage effective date.
Post-Coverage Termination Services: Services received after coverage ends.
No Legal Obligation Services: Services for which there is no legal obligation to pay.
Workers’ Compensation: Conditions covered by workers’ compensation.
War-Related Conditions: Conditions caused by participation in military service or war.
Government Services: Services provided by government agencies unless required by law.
School-Provided Services: Services required by public schools, except as stated for mental health and substance use disorders.
Medicare Coordination: Claims payment is adjusted by the amounts paid by Medicare.
Court-Ordered Treatment: Unless prescribed by a physician.
Self-Provided Services: Services provided by oneself or related entities.
Non-Emergency ER Services: Non-emergency conditions treated in an emergency room.
Custodial Care: Services for daily living activities or custodial care.
Private Duty Nursing: Only covered in inpatient settings when skilled nursing is unavailable.
Diagnostic Testing: Tests that could be performed on an outpatient basis.
Behavioral and Social Maladjustment: Stays related to non-mental health disorders.
Complementary and Alternative Medicine: Excludes many alternative therapies like acupuncture and massage therapy.
Non-Medical Counseling: Excludes services like education and vocational training.
Long-Term Therapy: Therapy intended for maintaining general physical condition.
Nutrition and Exercise Equipment: Excludes nutritional counseling and exercise equipment.
Physical and Occupational Therapy: Except as provided during inpatient hospital stays.
Foreign Providers: Charges from foreign providers, unless specified.
Routine Exams: Physical exams are not required for health reasons.
Mental Health and Substance Abuse Rehab Treatment Cost in Arizona?
Rehab treatment for mental health and addiction in Arizona typically involves a comprehensive program aimed at helping individuals overcome substance abuse and manage mental health disorders. While the term “rehab” often conjures images of staying at a residential facility, it’s important to note that rehab can take various forms, and not all of them require staying at a treatment center.
Inpatient Rehab: This is the most intensive form of treatment, where individuals stay at a rehab facility full-time. It provides a structured environment with 24/7 medical and emotional support. Inpatient rehab in Arizona usually involves detoxification, therapy sessions, counseling, medication management, and activities designed to help individuals develop coping strategies for a successful recovery.
Inpatient Programs Cost in Arizona: These can range from $5,000 to $60,000 for a 30-day stay, with costs increasing for longer stays or more intensive care.
Intensive Outpatient Rehab: This type of rehab does not require staying overnight at a facility. Instead, individuals attend scheduled therapy sessions and treatments during the day or evening while living at home. Outpatient programs in Arizona can be a good option for those with milder addictions or those who have completed inpatient treatment and are transitioning back to daily life.
Outpatient Programs Cost in Arizona: These are generally less costly, ranging from $1,000 to $10,000 for a 30-day program, depending on the level of care required.
Partial Hospitalization Program: PHP in Arizona is a more flexible option that provides intensive care, typically more than regular outpatient care but less than full inpatient hospitalization. Patients in a PHP receive treatment during the day and return home in the evening. It’s designed for individuals who need significant support but do not require 24-hour supervision.
Partial Hospitalization Program Cost in Arizona: Generally costs between $350 and $450 per day
Detox Services: Detoxification is often the first step in rehab, where individuals undergo medical supervision to withdraw from addictive substances safely. Detox in Arizona can be done in both inpatient and outpatient settings.
Detoxification Services cost in Arizona: Depending on the medical supervision required, detox can cost anywhere from $300 to $800 per day.
Rehab also involves various therapeutic approaches such as individual counseling, group therapy, family therapy, holistic treatments like yoga or meditation, and support groups. The goal is to address the physical, psychological, and emotional aspects of addiction and mental health disorders. Individual therapy sessions typically cost between $100 and $250 per hour, while group therapy sessions may be less expensive.
Does Cigna Insurance cover both inpatient and outpatient services in Arizona?
Yes, Cigna covers both our inpatient and outpatient services for mental health and substance abuse treatment in Arizona. This means that you can receive comprehensive care whether you need intensive, round-the-clock support in our residential setting (inpatient) or you can live at home while attending regular therapy sessions and treatments (outpatient). Coverage details and the extent of benefits may vary depending on the specific Cigna plan you are enrolled in.
How can Cigna Coverage for Rehab in Arizona be verified?
To ensure Cigna covers your treatment, follow these steps:
Review Your Plan Details: Check your insurance policy documents, the Evidence of Coverage, or the Summary Plan Description for specific coverage information.
Contact Cigna Customer Service: Speak with a representative to verify coverage and understand any limitations.
Use Cigna’s Online Tools: Access the Cigna website to use tools like the coverage calculator and provider search.
Verify with Nirvana Recovery about Cigna Insurance Coverage
What are the copayment or coinsurance requirements for the Cigna Insurance plan in Arizona?
The copayment and coinsurance requirements for Cigna Insurance plans in Arizona depend on the specific plan and services used. Generally, copays are fixed fees for services such as doctor visits or prescription medications, and these amounts are specified on your insurance card.
Coinsurance is a percentage of the cost that you pay after your deductible is met. For example, if your plan has an 80/20 coinsurance, you would pay 20% of the covered medical costs after meeting your deductible, with the plan covering the remaining 80%.
Typically, it could range from 10% to 30% for in-network services after you’ve met your deductible. For out-of-network services, the percentage might be higher, often ranging from 30% to 50%.
Out-of-Pocket Maximum: Cigna plans often include an out-of-pocket maximum, which is the limit on what you pay for covered services in a year. Once this maximum is reached, the plan covers 100% of covered services for the rest of the year.
A deductible is the amount you must pay out-of-pocket each year for covered healthcare services before your insurance plan starts to pay its share. For example, suppose your plan has a $2,000 deductible. In that case, you will need to pay the first $2,000 of your medical expenses before your insurance begins covering costs, aside from any copayments or coinsurance. After the deductible is met, your insurance will share the cost of services, typically through coinsurance.
Are there any preauthorization requirements for Drug Rehab treatment Cigna Insurance in Arizona?
Yes, Cigna Insurance typically requires an ARIZONA UNIFORM PRIOR AUTHORIZATION FORM to be filled out for drug rehab treatment in Arizona. Preauthorization ensures the treatment is medically necessary and covered under your plan. This applies to both inpatient and outpatient rehab services. It’s important to contact Cigna or your healthcare provider to initiate the preauthorization process before beginning treatment to avoid unexpected costs.
What specific Drug treatments and medications are covered by the Cigna Insurance Plan?
Commonly prescribed preferred medications for substance abuse and mental health are covered under the Cigna National Preferred 3-Tier Prescription Drug Plan as of July 1, 2022. Please note that this list is frequently updated and may only include some covered medications under your plan.
To check specific coverage, log in to the myCigna app or myCigna.com.
Savings Tip
Consider asking your doctor about generic medications that offer the same effectiveness as brand-name drugs but at a lower cost, sometimes up to 85% less.
Drug treatments and medications are covered by the Cigna Insurance Plan.
Abbreviations Meaning
PA (Prior Authorization): Approval needed from Cigna before coverage.
QL (Quantity Limits): Limits on the quantity covered.
ST (Step Therapy): Lower-cost alternatives must be tried first.
AGE: Age-specific coverage requirements.
ANXIETY/ DEPRESSION/ BIPOLAR DISORDER: alprazolam amitriptyline bupropion er buspirone citalopram (QL) desvenlafaxine er (ST, QL) diazepam duloxetine dr (QL) escitalopram (QL) FETZIMA (ST, QL) fluoxetine (QL) lorazepam mirtazapine nortriptyline paroxetine (QL) trazodone venlafaxine (ST, QL) venlafaxine er (ST, QL)
ATTENTION DEFICIT HYPERACTIVITY DISORDER: atomoxetine AZSTARYS (ST) DAYTRANA (ST) dexmethylphenidate er dextroamphetamine/ amphetamine dextroamphetamine/ amphetamine guanfacine er methylphenidate methylphenidate er (ST) MYDAYIS QUILLICHEW ER (ST) QUILLIVANT XR (ST) VYVANSE (ST)
Is Nirvana Recovery's Outpatient Program Covered by Cigna Insurance in Arizona?
Yes, many of our patients with Cigna Insurance find that their outpatient treatment costs at Nirvana Recovery are covered in Arizona. We work closely with Cigna to ensure that you receive the maximum benefits possible. To help you get started, we offer a free insurance verification service to clarify your coverage and minimize out-of-pocket expenses. Don’t let financial concerns hold you back from getting the help you need—contact us today to verify your coverage and begin your recovery journey.
How to Get Started with Nirvana Recovery
Taking the first step towards recovery can be challenging, but Nirvana Recovery is here to support you through the process:
Cigna often covers treatment even after a relapse, but it’s important to check your specific plan’s provisions and work with your provider to ensure ongoing coverage.
Coverage for holistic or alternative treatments varies by plan. Some Cigna plans may cover therapies like acupuncture or yoga as part of a comprehensive treatment program, but you should verify this with your provider.
Cigna often covers dual diagnosis treatment, where mental health issues and substance abuse are treated together, but verification with your plan is recommended.
Cigna covers various substance abuse treatments, including detoxification, residential rehab, outpatient therapy, and medication-assisted treatment, depending on the plan.
Conclusion
Navigating the complexities of insurance coverage for mental health and substance abuse rehab can be overwhelming. However, understanding Cigna’s coverage and how Nirvana Recovery can support your journey makes the process more manageable. Contact Nirvana Recovery today to take the first step towards a healthier future.
Does Cigna Insurance in Arizona Cover Drug and Alcohol Rehab Cost?
Published On August 29, 2024
Table of Contents
Yes, Cigna HealthCare of Arizona, Inc. typically covers Arizona’s mental health and substance abuse rehab costs, including services like detoxification, inpatient rehabilitation, outpatient therapy, and dual diagnosis treatment. However, the extent of coverage can vary depending on your specific plan.
You must check your individual plan details or contact Cigna HealthCare of Arizona, Inc. directly to confirm the coverage specifics, such as copayments, deductibles, and any pre-authorization requirements. Additionally, certain rehab centers in Arizona may be in-network or out-of-network, which could affect the overall rehab treatment cost.
If you’re seeking treatment at a luxury rehab center in Arizona, Nirvana Recovery in Phoenix offers a wide range of services, including dual diagnosis and individualized treatment plans . We work with various Arizona insurance providers, including Aetna, Cigna, GEHA, UMR, and BCBS. We can confidently verify your insurance coverage, with the possibility of up to 100% of your rehab treatment costs being covered. (We also offer convenient cash payment options.)
Cigna HealthCare Plan Of Arizona
Cigna’s strong presence in Arizona provides comprehensive coverage options, including mental health and substance abuse treatments. The plans typically offered by Cigna are:
Enrollment Information
Open Enrollment for 2024 has ended, but you may qualify for enrollment during a Special Enrollment Period. If you want to shop for a plan now, call Cigna at 1 (855) 953-0993 for a quote. You can also shop and compare plans online.
What Is Not Covered by Cigna Insurance in Arizona
While Cigna offers comprehensive coverage in Arizona, there are certain exclusions and limitations to be aware of:
Mental Health and Substance Abuse Rehab Treatment Cost in Arizona?
Rehab treatment for mental health and addiction in Arizona typically involves a comprehensive program aimed at helping individuals overcome substance abuse and manage mental health disorders. While the term “rehab” often conjures images of staying at a residential facility, it’s important to note that rehab can take various forms, and not all of them require staying at a treatment center.
Inpatient Programs Cost in Arizona: These can range from $5,000 to $60,000 for a 30-day stay, with costs increasing for longer stays or more intensive care.
Outpatient Programs Cost in Arizona: These are generally less costly, ranging from $1,000 to $10,000 for a 30-day program, depending on the level of care required.
Partial Hospitalization Program Cost in Arizona: Generally costs between $350 and $450 per day
Detoxification Services cost in Arizona: Depending on the medical supervision required, detox can cost anywhere from $300 to $800 per day.
Rehab also involves various therapeutic approaches such as individual counseling, group therapy, family therapy, holistic treatments like yoga or meditation, and support groups. The goal is to address the physical, psychological, and emotional aspects of addiction and mental health disorders. Individual therapy sessions typically cost between $100 and $250 per hour, while group therapy sessions may be less expensive.
Does Cigna Insurance cover both inpatient and outpatient services in Arizona?
Yes, Cigna covers both our inpatient and outpatient services for mental health and substance abuse treatment in Arizona. This means that you can receive comprehensive care whether you need intensive, round-the-clock support in our residential setting (inpatient) or you can live at home while attending regular therapy sessions and treatments (outpatient). Coverage details and the extent of benefits may vary depending on the specific Cigna plan you are enrolled in.
How can Cigna Coverage for Rehab in Arizona be verified?
To ensure Cigna covers your treatment, follow these steps:
What are the copayment or coinsurance requirements for the Cigna Insurance plan in Arizona?
The copayment and coinsurance requirements for Cigna Insurance plans in Arizona depend on the specific plan and services used. Generally, copays are fixed fees for services such as doctor visits or prescription medications, and these amounts are specified on your insurance card.
Coinsurance is a percentage of the cost that you pay after your deductible is met. For example, if your plan has an 80/20 coinsurance, you would pay 20% of the covered medical costs after meeting your deductible, with the plan covering the remaining 80%.
Typically, it could range from 10% to 30% for in-network services after you’ve met your deductible. For out-of-network services, the percentage might be higher, often ranging from 30% to 50%.
Out-of-Pocket Maximum: Cigna plans often include an out-of-pocket maximum, which is the limit on what you pay for covered services in a year. Once this maximum is reached, the plan covers 100% of covered services for the rest of the year.
A deductible is the amount you must pay out-of-pocket each year for covered healthcare services before your insurance plan starts to pay its share. For example, suppose your plan has a $2,000 deductible. In that case, you will need to pay the first $2,000 of your medical expenses before your insurance begins covering costs, aside from any copayments or coinsurance. After the deductible is met, your insurance will share the cost of services, typically through coinsurance.
Are there any preauthorization requirements for Drug Rehab treatment Cigna Insurance in Arizona?
Yes, Cigna Insurance typically requires an ARIZONA UNIFORM PRIOR AUTHORIZATION FORM to be filled out for drug rehab treatment in Arizona. Preauthorization ensures the treatment is medically necessary and covered under your plan. This applies to both inpatient and outpatient rehab services. It’s important to contact Cigna or your healthcare provider to initiate the preauthorization process before beginning treatment to avoid unexpected costs.
What specific Drug treatments and medications are covered by the Cigna Insurance Plan?
Commonly prescribed preferred medications for substance abuse and mental health are covered under the Cigna National Preferred 3-Tier Prescription Drug Plan as of July 1, 2022. Please note that this list is frequently updated and may only include some covered medications under your plan.
To check specific coverage, log in to the myCigna app or myCigna.com.
Savings Tip
Consider asking your doctor about generic medications that offer the same effectiveness as brand-name drugs but at a lower cost, sometimes up to 85% less.
Drug treatments and medications are covered by the Cigna Insurance Plan.
Abbreviations Meaning
ANXIETY/ DEPRESSION/ BIPOLAR DISORDER: alprazolam amitriptyline bupropion er buspirone citalopram (QL) desvenlafaxine er (ST, QL) diazepam duloxetine dr (QL) escitalopram (QL) FETZIMA (ST, QL) fluoxetine (QL) lorazepam mirtazapine nortriptyline paroxetine (QL) trazodone venlafaxine (ST, QL) venlafaxine er (ST, QL)
ATTENTION DEFICIT HYPERACTIVITY DISORDER: atomoxetine AZSTARYS (ST) DAYTRANA (ST) dexmethylphenidate er dextroamphetamine/ amphetamine dextroamphetamine/ amphetamine guanfacine er methylphenidate methylphenidate er (ST) MYDAYIS QUILLICHEW ER (ST) QUILLIVANT XR (ST) VYVANSE (ST)
SUBSTANCE ABUSE: BUPRENORPHINE/ NALOXONE (QL), KLOXXADO (QL), NARCAN (QL), ZUBSOLV (QL)
Is Nirvana Recovery's Outpatient Program Covered by Cigna Insurance in Arizona?
Yes, many of our patients with Cigna Insurance find that their outpatient treatment costs at Nirvana Recovery are covered in Arizona. We work closely with Cigna to ensure that you receive the maximum benefits possible. To help you get started, we offer a free insurance verification service to clarify your coverage and minimize out-of-pocket expenses. Don’t let financial concerns hold you back from getting the help you need—contact us today to verify your coverage and begin your recovery journey.
How to Get Started with Nirvana Recovery
Taking the first step towards recovery can be challenging, but Nirvana Recovery is here to support you through the process:
Nirvana Recovery offers a comprehensive list of specialized treatment options for various substance abuse conditions, including:
Each treatment plan is personalized to meet the individual’s needs and often includes a combination of detox, therapy, and aftercare support.
Frequently Asked Questions
Yes, Cigna provides coverage for both types of treatments under various plans.
Use Cigna’s online provider search tool or contact customer service for assistance.
Discuss alternative treatment options with your provider or inquire about financial assistance programs.
Cigna often covers treatment even after a relapse, but it’s important to check your specific plan’s provisions and work with your provider to ensure ongoing coverage.
Coverage for holistic or alternative treatments varies by plan. Some Cigna plans may cover therapies like acupuncture or yoga as part of a comprehensive treatment program, but you should verify this with your provider.
Cigna often covers dual diagnosis treatment, where mental health issues and substance abuse are treated together, but verification with your plan is recommended.
Cigna covers various substance abuse treatments, including detoxification, residential rehab, outpatient therapy, and medication-assisted treatment, depending on the plan.
Conclusion
Navigating the complexities of insurance coverage for mental health and substance abuse rehab can be overwhelming. However, understanding Cigna’s coverage and how Nirvana Recovery can support your journey makes the process more manageable. Contact Nirvana Recovery today to take the first step towards a healthier future.