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Cigna Health Insurance Coverage

Surf City Recovery accepts United Healthcare rehab insurance coverage. If you have United Healthcare rehab insurance coverage, you can use our state-of-the-art facility to address alcohol and drug use disorders.

What is Cigna Healthcare?

United Healthcare is a prominent health insurance provider within the United States, offering a diverse range of plans to cater to individual, family, and group needs. They operate under the umbrella of their parent company, UnitedHealth Group, which is dedicated to promoting health and well-being.

Many of their plans cover substance abuse treatment, including detoxification, inpatient rehab, and outpatient recovery. If you’re covered by United Healthcare and are seeking help with an alcohol or drug addiction, you can call our admissions team today.

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Cigna Health Insurance Coverage for Drug Rehab

Does Cigna Health Cover Drug Rehabilitation?

Yes, United Healthcare generally covers mental and behavioral health services, which includes various forms of alcohol and drug rehabilitation. However, the specific details of coverage vary significantly depending on your individual plan and state of residence.

Types of Rehab Covered

  • Inpatient and outpatient detoxification: This involves medically monitored withdrawal from substances.
  • Inpatient rehabilitation: This refers to residential treatment programs focused on intensive therapy.
  • Outpatient alcohol and drug use rehab: This involves attending treatment sessions while living at home.

Plan Type and Coverage

  • Full permanent plans: These plans, such as HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations), typically offer a wider range of substance abuse treatment facilities compared to other plans like short-term medical plans.
  • Short-term medical plans: These are not considered full-coverage plans and do not typically cover rehab, as they fall outside the scope of the Affordable Care Act requirements.

Coverage Details

  • Pre-certification: Some services might require pre-approval from United Healthcare before coverage takes effect.
  • Inpatient coverage: This depends entirely on your specific plan type and state of residence.
  • Outpatient coverage: Similar to inpatient coverage, you may pay a deductible before insurance kicks in.

By taking these steps, you can ensure a clear understanding of your individual coverage for rehab and navigate your healthcare journey with confidence.

Factors That Affect Cigna Health Insurance Coverage for Drug Rehab

United Healthcare offers various insurance plans with different levels of coverage for a wide range of health services, including drug and alcohol rehab. However, the specific details of your coverage will depend on several factors.

  • Diagnosis: The type of addiction you are diagnosed with can influence coverage, as specific treatments might be covered differently.
  • Treatment type: Coverage varies depending on whether you require inpatient, outpatient, or medication-assisted treatment.
  • Plan specifics: Your plan’s copays, deductibles, and out-of-network coverage limits play a significant role in your financial responsibility.
  • Referral requirements: Some plans may require a referral from a primary care physician for specialized rehab treatment.
  • Treatment provider: In-network providers generally offer more affordable options compared to out-of-network providers.
  • Benefits details: Thoroughly reviewing your plan’s benefits document will provide an accurate understanding of covered services and limitations.

Types of Addiction Covered by Cigna Healthcare Insurance

United Healthcare Insurance encompasses various addiction treatment options, ensuring coverage for a range of substance dependencies. If you or someone you care about is seeking support for alcohol or drug addiction, you might be interested in knowing the types of addiction that your insurance plan supports. As substance use disorders are classified under mental health, many forms of addiction are included in the coverage. Here are some of the addiction types covered by United Healthcare:


Alcohol addiction, also known as alcoholism or alcohol use disorder, is characterized by an inability to control alcohol consumption despite negative consequences on one’s health, relationships, and responsibilities. Treatment for alcohol addiction may include detoxification, counseling, medication, support groups, and rehabilitation programs.


Opioid addiction involves the misuse or dependence on prescription painkillers or illegal opioids like heroin. Opioids bind to opioid receptors in the brain, leading to pain relief and euphoria. However, prolonged use can result in tolerance, dependence, and addiction. Treatment typically involves a combination of medication-assisted therapy, counseling, detoxification, and rehabilitation.


Although often perceived as less addictive than other substances, marijuana addiction is real and can lead to dependence and withdrawal symptoms. Treatment for marijuana addiction may involve behavioral therapy, support groups, counseling, and in severe cases, residential treatment programs.


Methamphetamine addiction, commonly known as meth addiction, is a serious and debilitating condition characterized by compulsive drug-seeking behavior and use of methamphetamines. Treatment often includes behavioral therapies, counseling, support groups, and sometimes medication to manage withdrawal symptoms and cravings.


Cocaine addiction involves the misuse and dependence on cocaine, a powerful stimulant drug. Cocaine addiction can have severe physical, psychological, and social consequences. Treatment typically involves therapy, counseling, support groups, and sometimes medication-assisted therapy to manage withdrawal symptoms and cravings.

Prescription Drugs

Prescription drug addiction refers to the misuse or dependence on prescription medications, including opioids, benzodiazepines, stimulants, and sedatives. Treatment may involve a combination of medication-assisted therapy, counseling, support groups, detoxification, and rehabilitation programs tailored to the specific type of prescription drug being abused.


Heroin addiction is a severe and life-threatening condition characterized by dependence on heroin, an illegal opioid drug derived from morphine. Treatment for heroin addiction often includes medication-assisted therapy, counseling, support groups, detoxification, and residential rehabilitation programs.


Benzodiazepine addiction involves the misuse or dependence on benzodiazepine medications prescribed for anxiety, insomnia, or other conditions. Withdrawal from benzodiazepines can be dangerous and requires medical supervision. Treatment may involve tapering off the medication, counseling, therapy, and support groups.

United Healthcare provides coverage for treatment options for these various addiction types, recognizing the importance of addressing substance use disorders and supporting individuals in their journey to recovery.

For inquiries about addiction coverage under your health insurance plan, reach out to us today! Our dedicated addiction specialists are ready to address any questions or concerns you may have.

FAQs relating Cigna Health Insurance Coverage

Does United Healthcare Insurance cover drug rehab treatment?

Yes, United Healthcare Insurance typically covers drug rehab treatment as part of its behavioral health benefits. However, coverage specifics may vary depending on your plan and individual circumstances.

What types of drug rehab services are usually covered by United Healthcare?

United Healthcare often covers a variety of drug rehab services, including inpatient detoxification, residential treatment programs, outpatient counseling, medication-assisted therapy, and support groups.

Do I need pre-authorization for drug rehab treatment with United Healthcare?

Pre-authorization requirements may vary by plan and the specific rehab services you’re seeking. It’s important to check with United Healthcare or your healthcare provider to determine if pre-authorization is required.

Are there any limitations on the duration or frequency of drug rehab services covered by United Healthcare?

Some United Healthcare plans may have limitations on the duration or frequency of rehab services covered, such as limits on the number of days or sessions per year. Check your plan details or contact United Healthcare for specific information.

Does United Healthcare cover both in-network and out-of-network drug rehab providers?

United Healthcare typically offers coverage for both in-network and out-of-network rehab providers. However, using in-network providers may result in lower out-of-pocket costs. Review your plan’s provider network and coverage details.

Will United Healthcare cover medication-assisted therapy (MAT) for drug addiction treatment?

Yes, United Healthcare often covers medication-assisted therapy (MAT) as part of its drug addiction treatment benefits. MAT combines medications with counseling and behavioral therapies to effectively treat substance use disorders.

Are there any out-of-pocket expenses I should expect for drug rehab with United Healthcare Insurance?

Out-of-pocket expenses for drug rehab with United Healthcare Insurance may include deductibles, copayments, coinsurance, and costs associated with out-of-network providers or services not covered by your plan. Check your plan details for specific information on costs.

Does United Healthcare offer resources or support to help me find a drug rehab facility?

Yes, United Healthcare often provides support and resources to help members find drug rehab facilities. This may include online provider directories, care coordination services, and access to addiction specialists who can assist with treatment referrals.

What steps should I take to verify my coverage and benefits for drug rehab with United Healthcare Insurance?

You can verify your coverage and benefits for drug rehab by contacting United Healthcare directly or logging into your online member account. It’s important to understand your plan details, including coverage limits, exclusions, and any pre-authorization requirements.

Does United Healthcare Insurance cover aftercare or follow-up services following drug rehab treatment?

Coverage for aftercare or follow-up services may be included in United Healthcare Insurance plans. These services could include ongoing therapy, support groups, and medication management to help maintain recovery. Check your plan details for specific coverage information.


An Approved Cigna Healthcare Rehab Facility