In-Network (HMO) Cigna Provider in Tampa, Florida

Cigna Approved Rehab in Tampa, Florida

Tuesday, October 6, 2020 | By Cooper Samp

Coalition Recovery in Tampa, Fl: Officially An In-Network Provider with Cigna

As of today, we are proud to announce that Coalition Recovery is now in-network with Cigna Insurance health plans. By partnering with Cigna, we have met the criteria for a high-level quality of care, and as a result, are able to offer evidence-based treatments at the most affordable rate available to individuals covered through Cigna. 

We are in-network with a wide range of insurances apart from Cigna; almost all private insurance policies.

About Cigna

Cigna, formed in 1982 and based out of Bloomfield, Connecticut, is one of the nation’s largest health providers offering medical, dental, disability, life and accident insurance. 

In-Network Cigna Rehab in Tampa

If you are reading this article, there’s a good chance you are covered (or looking to be covered) through Cigna. You may also be wondering whether or not substance abuse treatment is covered through your plan. Yes, it is! Thanks to the Affordable Care Act, healthcare providers must cover psychological conditions to the same degree as physical ones. 

However, if you are covered through Cigna, you may not be able to walk into any drug or alcohol rehab and receive fully covered treatment. In-network (HMO) requires attending treatment centers from a specified list. Out-of-network policies enable individuals to attend just about any doctor or facility, but these out-of-network coverages are often more expensive.

In-Network Benefits Through Cigna

The most common health coverage plans through Cigna are the HMO plans (in-network plans). HMO plans are the most common type of health plans because they cost less, but you are limited with your choices of healthcare providers. Thankfully, Coalition recovery is an in-network provider with Cigna meaning if you have a Cigna HMO plan, your treatment here will be covered. 

The advantages of a Cigna HMO

  • Lower monthly premiums and generally lower out-of-pocket costs.
  • Generally lower out-of-pocket costs for prescriptions.
  • Claims won’t have to be filed as often since the medical care you receive is in-network.
  • The convenience of having a primary care doctor as your advocate to coordinate and manage your care.

The disadvantages of a Cigna HMO

  • HMO plans require you to stay within their network for care, unless it’s a medical emergency.
  • If your current doctor isn’t part of the HMO’s network, you’ll need to choose a new primary care doctor.

Out-of-Network Benefits – In-Network Facilities Are More Affordable

If you have out-of-network benefits, of course your options are not limited to the selected doctors on the list. With a PPO (out-of-network) policy, your health coverage will still be covered no matter where you choose. However, there are still advantages to staying in-network. Individual’s with a PPO policy have separate deductibles and coinsurance rates for both in-network and out-of-network services. 

Therefore, unless you are set on a particular place, doctor, or cannot find an in-network facility in your area, it is financially advised to find in-network services even with out-of-network benefits. This goes for all healthcare coverages, not just substance abuse treatment. 

Cigna Policy Coverage for Substance Abuse

Family Support Group Recovery Program in Florida

Your coverage and benefits will vary depending on your Cigna plan. For example, the lowest plan Cigna offers – bronze – provides low monthly premiums, however, when medical expenses do happen, individuals may face higher deductibles and out-of-pocket expenses. The higher plans – gold – will offer higher premiums, but lower deductibles and out-of-pocket expenses. 

In relation to substance abuse treatment, your treatment will be at the very least partially covered. How much you will be responsible for will depend on your particular plan and the state you reside in. You can either call your health insurance provider or one of our admission specialists here at Coalition Recovery. They will be able to assess the costs of treatment by reviewing the treatment services covered by your plan. Call today (888) 707-2873.

Cigna Coverage for Inpatient Treatment

Inpatient addiction treatment programs that Cigna covers include:

  • Acute Inpatient Alcohol & Drug Detoxification
  • Inpatient Treatment for Alcohol & Drug Disorders
  • Partial Hospitalization for Alcohol & Drug Disorders

Inpatient Rehab Service and Costs

Here are several estimates if you are looking into inpatient rehab and the costs associated. Once again, these are just estimates; to obtain an accurate breakdown, please call us at (888) 707-2873.

Inpatient Rehab Coverage Estimates
Bronze plansTypically Cigna will pick up the costs after you pay your plan’s deductible in full. For out-of-network services, some plans will help cover costs while others may not.
Silver plansIn-network programs coinsurance usually falls between 30 to 50 percent after the deductible is met. Out-of-network services may or not be covered, depending on the state you reside in.
Gold plansCoinsurance for in-network plans can range from 20 to 50 percent after the deductible. Similar to the other plans, out-of-network providers may or may not be covered depending on the state in which the policy was issued.
Platinum plans10 to 30 percent coinsurance after meeting the plan’s deductible. Some plans may cover out-of-network programs at a higher coinsurance percentage.
Support Group Recovery Program in Florida

Cigna Coverage for Outpatient Treatment

Outpatient rehab services covered by your Cigna Health Plan typically include:

  • Individual, Family and Group Therapy
  • Intensive Outpatient Treatment
  • Alcohol & Drug Detoxification Medication Management
  • Anti-Craving Medication Management
Outpatient Rehab Coverage Estimates
Bronze plansCoinsurance based on the state of residence and may fall between zero to 50 percent. Out-of-network may or may not be covered in these plans.
Silver plansSeveral outpatient services that are in-network may have a coinsurance percentage, while others have a copay per visit. Out-of-network providers may or may not be covered.
Gold plansDepending on service provided, there may be a small coinsurance percentage or copay required per visit for in-network. Out-of-network services may or may not be covered.
Platinum plansMinimal coinsurance or copay requirements for in-network providers. Some policies may have out-of-network coverage, but coinsurance rates are generally higher for these services.

A standard outpatient program will have one or two therapy sessions a week. Your health plan will cover certain types of outpatient treatment. This is a good option for people who are still working, holding down a family, and other responsibilities. Intensive outpatient programs covered by insurance are more days per week (up to 5).

Looking for a Cigna Approved Rehab in Tampa?

Coalition Recovery provides quality care for residents of Florida and now provides the most affordable treatment available for individuals covered through Cigna. Throughout the past couple of years, we have developed plans with a variety of insurance providers to help bring down the costs of treatment for individuals covered.

We know first hand the struggles associated with addiction and mental health; don’t let finances be another. By attending an in-network facility, you can ensure you or your loved one is receiving high-standard care at the most affordable rate available.

Additional Resources

Understanding the Cost of Addiction Treatment
Out of Pocket Costs: Drug Rehab
Out of Pocket Maximum with Addiction Treatment

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