Overcoming addiction requires professional treatment, and your Cigna insurance can help make that care
accessible. At Refine Recovery, we accept Cigna insurance and work closely with their behavioral health
division to ensure our clients receive maximum coverage for addiction treatment services. Our luxury rehab
facility in Beverly Hills provides evidence-based care in a private, supportive environment.
Navigating insurance coverage can feel overwhelming when you’re already dealing with addiction. Questions like “Does Cigna cover rehab?” or “What will I pay out of pocket?” are common concerns. Cigna offers comprehensive behavioral health coverage through their various plan options, and our admissions team
specializes in helping clients understand and maximize their benefits.
At Refine Recovery, we’ve successfully worked with Cigna for years, helping individuals access the treatment they need. Our team can verify your coverage quickly and explain your benefits in clear, straightforward terms so you can focus on what matters most—beginning your recovery journey.
Yes, Cigna insurance provides substantial coverage for drug and alcohol rehabilitation programs. As a major national health insurance provider, Cigna recognizes addiction as a treatable medical condition and includes comprehensive substance use disorder benefits in their plans. Coverage typically extends to multiple levels of care including medical detoxification with 24/7 supervision, residential inpatient treatment programs, partial hospitalization programs (PHP), intensive outpatient programs (IOP), individual therapy and counseling, and family therapy sessions.
The specific coverage amounts and limitations depend on your individual Cigna plan and whether you choose in-network or out-of-network providers. Refine Recovery works directly with Cigna to provide seamless coverage verification and authorization, ensuring you understand your benefits before beginning treatment. Our residential program offers the comprehensive, immersive care that many individuals need to break free from addiction and build a foundation for lasting recovery.
Cigna provides coverage for treating various substance use disorders under the Mental Health Parity and Addiction Equity Act, which requires insurers to cover behavioral health conditions similarly to physical health conditions. This means your Cigna plan should offer comparable coverage for addiction treatment as it does for other medical care.
Substances covered under Cigna insurance plans include:
Yes, Cigna includes comprehensive mental health coverage as part of their behavioral health benefits. Mental health conditions often accompany substance use disorders, with research indicating that approximately half of individuals with substance addiction also experience co-occurring mental health issues. Treating both conditions together significantly improves outcomes and reduces the risk of relapse.
Cigna covers mental health treatment for conditions including major depressive disorder, generalized anxiety disorder and panic disorder, post-traumatic stress disorder (PTSD), bipolar disorder and mood disorders, obsessive-compulsive disorder (OCD), eating disorders, schizophrenia and psychotic disorders, and personality
disorders.
Mental health services typically covered include psychiatric evaluations, individual psychotherapy sessions,psychiatric medication management, psychological testing when indicated, and crisis intervention services.
Dual diagnosis treatment, which simultaneously addresses substance use disorders and mental health conditions,
is typically covered by Cigna insurance. The co-occurrence of addiction and mental health disorders is
remarkably common, affecting millions of Americans. Treating one condition while ignoring the other often
leads to incomplete recovery and higher relapse rates.
At Refine Recovery, our integrated dual diagnosis program combines addiction treatment with psychiatric care.
Our clinical team includes licensed therapists, psychiatrists, and addiction specialists who collaborate to create
comprehensive treatment plans. This approach recognizes that mental health conditions and substance use often
share common roots and reinforce each other, requiring coordinated treatment for optimal outcomes.
Cigna’s behavioral health coverage recognizes the importance of integrated treatment and typically authorizes
dual diagnosis programming when clinically appropriate. Our admissions team can verify whether your specific
plan includes dual diagnosis benefits and what authorization requirements may apply.
Beyond residential treatment, Cigna provides coverage for various outpatient treatment levels. These programs allow individuals to receive structured addiction treatment while living at home or in a sober living environment, making treatment more accessible for those with work, family, or educational commitments.
Cigna outpatient coverage typically includes:
Partial Hospitalization Programs (PHP):
High-intensity treatment typically involving 5-6 days per week, 6+ hours per day
Intensive Outpatient Programs (IOP):
Structured programming usually 3-5 days per week, 3-4 hours per session
Standard Outpatient Therapy:
Weekly individual and group counseling sessions
Medication-Assisted Treatment (MAT):
Medications like buprenorphine or naltrexone combined with therapy
Family Counseling:
Sessions involving family members in the recovery process
Continuing Care:
Long-term recovery support and relapse prevention
The number of covered sessions and program duration depends on medical necessity determinations and your specific plan. Our team coordinates with Cigna’s utilization review department to ensure you receive the appropriate level of care for your clinical needs.
Understanding your Cigna plan helps you make informed treatment decisions. Here are the key components:
Cigna offers several types of health insurance plans. HMO (Health Maintenance Organization) plans require selecting a primary care physician and obtaining referrals for specialists. PPO (Preferred Provider Organization) plans provide greater flexibility to see out-of-network providers, though at higher costs. EPO (Exclusive Provider Organization) plans cover only in-network providers except in emergencies. POS (Point of Service) plans combine HMO and PPO features, requiring referrals but allowing out-of-network care.
Choosing in-network providers maximizes your benefits. In-network care at Refine Recovery means lower outof-pocket costs, simplified claim processes, guaranteed pre-negotiated rates, and typically easier prior authorization. Out-of-network care is sometimes covered but usually involves higher deductibles, higher coinsurance percentages, potential balance billing, and more complex reimbursement processes.
Your financial responsibility includes several elements. Monthly premiums maintain your coverage. Annual deductibles must be met before insurance begins paying. Copayments are flat fees per service (like $50 per
therapy session). Coinsurance is your percentage of costs after the deductible (commonly 10-30%). Out-ofpocket maximums cap your annual spending, after which Cigna covers 100% of covered services.
Verifying your Cigna coverage is essential before beginning treatment. You have several options:
Contact Cigna directly using the behavioral health phone number on your insurance card. Log into myCigna,
their online member portal to view your benefits and claims. Call Refine Recovery at (866) 890-9573, and our
admissions specialists will verify your coverage for you.
When verifying benefits, you’ll need your Cigna member ID number, group number if you have employer-sponsored insurance, policyholder’s date of birth, and specific questions about substance abuse treatment
coverage. Our verification process is confidential and typically takes just minutes.
While Cigna provides comprehensive coverage, you may have some out-of-pocket expenses. Refine Recovery
offers multiple options to help manage these costs:
We create customized payment schedules that fit your budget
Use pre-tax dollars for
deductibles and copays
Third-party financing options specifically for medical expenses
Limited financial assistance for those who qualify
Before admission, we provide a detailed cost estimate including your current deductible status, expected
copayment amounts, coinsurance obligations, and total estimated out-of-pocket costs. This transparency allows
you to plan financially and explore all available options. We believe cost should never be a barrier to life-saving
treatment.
Located in Beverly Hills, Refine Recovery combines luxury accommodations with clinical excellence to create
an optimal healing environment. Our comprehensive approach addresses physical, psychological, and social
aspects of addiction.
Supervised withdrawal management with medical support
Intensive 24/7 care in a structured therapeutic environment
Step-down care maintaining treatment intensity
Continuing care supporting long-term sobriety
Integrated treatment for co-occurring disorders
Getting started with treatment shouldn’t be complicated. Our streamlined verification process makes using your
Cigna benefits easy:
We contact Cigna’s behavioral health division to verify your benefits, including specificcoverage for detox, residential, and outpatient services, deductible amounts and year-to-date spending, copayment and coinsurance requirements, and authorization processes.
We translate insurance language into clear, understandable terms, explaining what
services are covered, what you’ll pay out of pocket, available payment options, and expected treatment timeline.
We handle all administrative requirements, submitting clinical documentation, communicating with Cigna’s review team, securing treatment authorization, and updating you on approval
status.
Throughout treatment, we manage continuing care authorization, submit claims directly to Cigna, address any coverage questions, and coordinate benefits for the entire treatment continuum.
Recovery begins with a single decision. If you or a loved one is struggling with addiction, don’t let insurance questions delay getting help. Refine Recovery’s admissions team is available 24/7 to answer your questions and
verify your Cigna coverage.
Call (866) 890-9573 to speak with an admissions specialist, or complete our online insurance verification form.
We’ll explain how your Cigna benefits can help you access luxury addiction treatment in Beverly Hills and begin your journey toward lasting sobriety.
Take the first step towards lasting sobriety.
Every moment matters when it comes to your recovery. One Decision Can Change Your Life – Make This One Count.
