Ready to Take the Next Step?
Our admissions team is available 24/7 to verify your insurance and walk you through the process. Free, confidential, no obligation.
Does Cigna Cover Inpatient Rehab?
Generally yes. Cigna PPO plans cover medically necessary inpatient addiction treatment in California. Coverage details — deductible, co-insurance, in-network status, prior authorization — vary by specific plan. Our admissions team verifies your Cigna benefits at no charge.
What Does Cigna Cover for Addiction Treatment?
Cigna plans typically cover medical detoxification, residential inpatient treatment, partial hospitalization, intensive outpatient, outpatient therapy, and MAT medications. Under California's SB 855, Cigna must cover the full continuum of DSM-5 substance use disorder treatment.
How to Verify Cigna Benefits for Rehab
Call (213) 436-1475. Our team will contact Cigna directly with your member ID and benefits summary, confirm inpatient and detox coverage, verify your deductible and out-of-pocket costs, and walk you through prior authorization. Verification is free and takes a few hours.
What Are My Out-of-Pocket Costs With Cigna?
With a Cigna PPO plan, most clients' out-of-pocket costs for a 30-day residential program fall between $3,000 and $9,000 after deductibles and co-insurance — versus California's $56,654 average uninsured cost. Exact amounts come from your benefits verification.
How to Appeal a Cigna Denial
Cigna denials are often reversible. Document medical necessity, cite relevant parity protections, and use the internal and external appeals processes. Our billing team assists with appeals, and California's DMHC helpline — (888) 466-2219 — handles parity law complaints.