Complete Cigna Coverage Guide, Plan Options, Out-of-Pocket Costs, and Benefits Verification

WHAT YOU NEED TO KNOW

• Cigna is in-network with Recovery First in Hollywood, FL—covers detox, inpatient rehab, PHP, IOP, outpatient treatment, and MAT
• Cigna offers multiple plan types (HMO, PPO, and marketplace plans) with varying network requirements and referral processes
• Federal parity laws require equal coverage for addiction treatment as primary medical/surgical services
• Out-of-pocket costs vary by plan tier; in-network ensures lowest costs and fastest approval
• Verify benefits before admission to know exact deductible, copay, coinsurance, and annual maximum

Cigna is a large healthcare company that serves organizations all over the world, including Florida. Many Cigna members opt to use their coverage to pay for drug or alcohol rehab at in-network facilities like Recovery First.¹

This page will answer some questions about using Cigna coverage for addiction treatment.

Does Cigna Cover Addiction Treatment in Florida?

Yes, Cigna offers insurance that covers rehab. Insurers are required by law to provide some level of coverage for substance use and mental health treatment.

Cigna Health Insurance Coverage for Addiction Treatment in Hollywood, FL

Cigna is a large healthcare company serving organizations worldwide, including Florida. Federal parity laws ensure coverage for addiction treatment equals primary medical/surgical service coverage. This guide explains Cigna coverage options, plan types, costs, how to verify benefits, pre-authorization, and how to begin treatment at Recovery First in Hollywood, FL.

Cigna Plan Types & Coverage Options Explained

What Addiction Treatment Services Are Covered?

Medical Detoxification: 24/7 medically supervised withdrawal with medications and nursing care.

Inpatient Rehabilitation: 24/7 residential treatment with medical staff, intensive therapy, and evidence-based programming.

Partial Hospitalization (PHP): 6–8 hours daily intensive program. Structured alternative to full inpatient.

Intensive Outpatient (IOP): 9–15 hours weekly, 3+ days per week. Allows continued work/school.

Medication-Assisted Treatment (MAT): FDA-approved medications combined with behavioral therapy.

Telehealth Services: Video-based therapy with therapists and counselors.

Understanding Out-of-Pocket Costs

Annual Deductible: Amount you pay before coverage begins. Typical range $500–$3,000+

Copayments: Fixed amount per visit. Typical $15–$50 per counseling session.

Coinsurance: Percentage you pay after deductible. Typically 10–40%.

Out-of-Pocket Maximum: Annual cap on total costs. Once reached, coverage is 100%.

In-Network Advantage: Recovery First is in-network—much lower costs than out-of-network.

How to Verify Your Coverage

Know your exact coverage before admission. Four verification options:

1. Online Benefits Verification: Visit recovery.org benefits page. Get coverage summary within minutes.
2. Call Member Services: Call number on back of insurance card for deductible, copay, and pre-authorization details.
3. Login to Member Portal: Log in to view Summary of Benefits and Coverage (SBC).
4. Call Recovery First Admissions: Call 954-526-5776. Admissions navigators verify coverage for you at no cost.

Pre-Authorization & Getting Your Referral

Pre-authorization is advance approval confirming treatment is medically necessary. For HMO plans, your primary care doctor must provide referral. Recovery First staff obtains pre-authorization within 24–48 hours typically.

Your Legal Rights: Federal Parity Protections

Federal law requires Cigna cover addiction treatment fairly. ACA deems it essential health benefit. Mental Health Parity Act requires equal coverage to medical/surgical services. No stricter limits, higher copays, or lower coverage. Cannot deny based on pre-existing addiction.