Cigna offers commercial and employer-sponsored plans that generally include behavioral health coverage as part of standard essential health benefits. If you or a loved one is considering luxury rehab and you carry Cigna coverage, the most reliable way to know your exact benefit is a direct verification of your specific plan.
This page explains generally how Cigna coverage tends to work for behavioral health and addiction treatment, and how to start a benefits check for your plan.
How Cigna Coverage Typically Works
Cigna's behavioral health network includes both in-network facilities and, on some plans, out-of-network benefit options. Coverage percentages, deductibles, and prior authorization requirements vary by the specific Cigna plan you hold, whether through an employer, the marketplace, or another source, so a plan-specific check is the only way to know your actual benefit.
What a Benefits Check Will Confirm
A verification call will confirm whether a specific facility is in-network with your Cigna plan, what your deductible and out-of-pocket status currently look like, and whether prior authorization is required before starting residential or inpatient treatment.
Information Needed to Verify Cigna Benefits
- ✓Your Cigna member ID number and group number, if applicable
- ✓The policyholder's name and date of birth, if different from your own
- ✓Whether you have already met your deductible for the current plan year
- ✓Any prior authorization documentation from previous treatment episodes