Celadon Recovery Addiction and Mental Health Treatment In Florida
Addiction and mental health services can undoubtedly be cost-prohibitive, and many people worry about how they will cover treatment costs.
Under the Affordable Care Act, all insurance plans must cover mental health services. This means that your HMO or PPO plan includes coverage for various levels of care. Many rehab centers are in-network with various insurance plans for their clients.
Celadon Recovery is proud to be in network with Cigna’s network. Policyholders may receive free or subsidized care through their Cigna insurance policy. Let’s get into what you need to know.
How Do You Know What Insurance Coverage You Have?
Navigating rehab coverage can be confusing, particularly if you’ve never received mental health services or previously attended substance abuse treatment. Many people find it challenging to understand what their insurance policy will and will not cover.
You can start by contacting your insurance company directly. Ask for specific clarification on your policy and the fees you will incur for substance and mental health treatment.
You can also contact our program’s admissions counselors. We work closely with insurance companies and can verify your policy quickly.
Understanding Your Health Insurance Plan
You probably receive health insurance through your or a loved one’s employer. You might also receive coverage through the open marketplace. You may qualify for Medicaid or other state-funded services if facing financial hardship.
Health insurances are categorized into four tiers: platinum, gold, silver, and bronze. These tiers distinguish total costs. However, they don’t determine the quality of care or treatment available.
Unless it’s covered by an employer, consumers pay for insurance monthly through their premiums. You may not notice this cost if it comes out of your paycheck directly (but it will be reflected on your paystub).
Deductible: Your deductible is the amount you must pay out-of-pocket before insurance kicks in. Some treatment providers will create a financial plan for clients with high deductibles.
Coinsurance: Coinsurance refers to the percentage of the cost of service. So, if you have 40% coinsurance, and the service cost was $1000, you are responsible for paying $400.
Copay: Copay refers to the designated amount you pay for a particular service or type of care. For example, seeing a primary care physician may cost you a $30 copay.
In-network: In-network means the provider can bill your insurance to render services. If you plan to use your insurance to subsidize costs, working with treatment providers who accept your insurance plan is essential. If you have a PPO, you may be able to visit providers out of your network. This option is usually not offered to HMO policyholders.
What Kinds of Addiction Treatment Services Are Covered By Insurance Benefits?
Insurance often covers numerous types of behavioral health treatments. Here are some of the following services that you may receive coverage from.
Clients with moderate or severe substance use disorders typically start their recovery processes with medical detox. Detox is necessary for flushing all the toxins out of your body.
Detoxification is a period of acute stabilization, and it is especially important if you abstain from alcohol, opioids, benzodiazepines, or stimulants.
You will experience varying withdrawal symptoms during this time, but you will have ongoing support and monitoring. Detox is not considered adequate addiction treatment- it is essential to continue your care through an official drug or alcohol rehab.
Inpatient Treatment and Residential Treatment
Residential care provides the highest level of clinical care for substance use disorders. Residential treatment is the preferred treatment of choice for people who need support and monitoring to overcome their addiction.
Most insurance covers residential treatment for moderate to severe substance use disorders. If you intend to use insurance to subsidize the cost of care, is important to determine which healthcare providers are in-network.
Our inpatient rehab provides comprehensive behavioral health services. Throughout treatment, you will receive support for your addiction and learn new ways to cope with stress without using drugs or alcohol.
Intensive Outpatient and Outpatient Treatment
Cigna insurance coverage typically entails intensive outpatient (IOP) and outpatient treatment (OP) for substance use and mental health disorders. If you aren’t sure what your plan covers, ask your insurance provider directly.
These treatment options represent a stepdown level of care. You will still be receiving support for your addiction and mental illness, but you will also be implementing the coping techniques you learn in the real world. Our outpatient programs help with relapse prevention, budgeting, family relationships, legal issues, and other important life skills.
After all, effective rehab treatment isn’t just about succeeding in a structured program. It’s about thriving once you complete your care. That’s why outpatient services are so essential for ensuring your success.
Dual-Diagnosis Support For Substance Abuse and Behavioral Health
Many people with a drug or alcohol addiction also experience mental illness like depression, anxiety, PTSD, personality disorders, eating disorders, or schizophrenia. Insurance network providers typically require that rehab facilities offer treatment for these co-occurring issues.
Dual-diagnosis treatment services vary, but they may include working with specific healthcare professionals, psychiatric medication, and other behavioral health recommendations.
Getting the Help You Need with Cigna Health Insurance Coverage
Along with Cigna, our treatment programs are also in-network with other major providers, including Cigna, BlueCross BlueShield, Humana, Magellan Healthcare, and more.
At Celadon Recovery, we are pleased to offer a full continuum of services from detox and inpatient care to partial hospitalization programs and outpatient rehab. We believe in a holistic healthcare approach and are here to help you or your loved one get your life back on track!
If you have questions about your Cigna plan or want clarification on our addiction treatment center costs or the benefits of our treatment facility, our admissions counselors are happy to speak to you 24/7. Contact us today to learn more!