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How Cigna Can Help You With Substance Use Disorder

Medically Reviewed By:

Dr. Vahid Osmanm, M.D.

Board-Certified Psychiatrist and Addictionologist
Clinically Reviewed By:

Josh Sprung, L.C.S.W.

Board Certified Clinical Social Worker

Your Insurance May Cover The Cost Of Detox and Rehab

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Table of contents

The U.S. drug crisis continues, with millions of people impacted by substance abuse and everything that comes along with it – addiction, mental illness, trauma, and families burdened by overwhelming emotional and financial costs. 

This already huge problem is magnified even more by barriers to treatment that prevent people who are struggling the most from getting the help they need. One of the biggest obstacles faced by many people is figuring out how to pay for rehab services for problematic drug and alcohol use. 

But there is good news – the law requires insurance companies to provide coverage for Substance Use Disorder and mental illness treatment, making recovery more affordable than ever before. 

Let’s take a closer look at how having the right insurance coverage and choosing the right rehab program can get you moving in the right direction on the road to recovery.

Cigna Healthcare – The Right Insurance Company

As one of the largest insurance providers in the world, Cigna Healthcare is able to offer coverage for the most effective treatments and therapies for SUD, the disease of addiction.
Cigna’s Behavioral Health Programs give you comprehensive coverage for a variety of treatment options, as well as tools and resources that support mental health, including:
Inpatient Care – For those who require hospitalization for addiction or mental health issues
  • Outpatient Care – Including partial hospitalization and intensive outpatient programs
  • Emotional Well-Being Programs and Tools – On-demand peer coaching and other tools to boost positivity, reduce stress, and promote emotional resilience.
  • Behavioral Specialty and Support – Specialty teams focusing on eating disorders, autism, pain management, and prevention and intervention efforts for SUD and opioid abuse
  • Lifestyle Management – Helping you reach your health goals by breaking bad habits such as smoking, overeating, and poor stress management
  • Psychiatric Case Management – Making sure you are given the appropriate mental health medications and that you are taking them properly.
  • Narcotics Therapy Management – Identifying and addressing potential problems with controlled substances

Why Cigna Insurance Can Be a Key to Your Recovery

Choosing treatment at a Tulip Hill Healthcare facility becomes even more accessible and effective when you have Cigna insurance. As one of the nation’s most established healthcare providers, Cigna offers a comprehensive range of insurance plans that cover addiction treatment services. With Cigna, you can focus on healing rather than worrying about the cost of care.

Comprehensive Behavioral Health Coverage

Cigna’s commitment to behavioral health care is reflected in its extensive insurance policies, which typically cover a wide spectrum of treatment options for substance use disorders. These may include:

  • Inpatient rehabilitation

  • Outpatient programs

  • Detox services

  • Medication-Assisted Treatment (MAT)

Cigna offers robust behavioral health coverage, often detailed through their Behavioral Health Benefits section. These benefits are designed to help you access clinically proven therapies that support lasting recovery, all while minimizing financial stress.

Individualized, Whole-Person Care

Cigna emphasizes personalized treatment as a core part of its healthcare philosophy. Through initiatives like Behavioral Health Coaching and Case Management Programs, members are supported by dedicated care advocates who help tailor treatment plans based on personal health goals, needs, and barriers to care.

At Tulip Hill Healthcare, we collaborate closely with Cigna’s care coordination teams to provide a seamless treatment experience. This personalized approach not only enhances outcomes, but also ensures clients feel supported at every stage of their recovery journey.

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Broad Network of Trusted Providers

Cigna’s large network of in-network providers makes it easier for you to access care close to home or at a trusted facility like Tulip Hill Healthcare. You can use Cigna’s Find a Doctor or Facility tool to confirm in-network status and treatment locations.

Because our locations are in-network with Cigna, you benefit from:

  • Lower out-of-pocket expenses
  • Simplified billing and approvals
  • Streamlined admissions

This means you can enter treatment confidently, knowing your care is both accessible and affordable.

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How Aetna and Tulip Hill Healthcare Work Together to Maximize Your Treatment

Comprehensive Detox

3 to 10 Days

The recovery process often begins with detoxification, which is a process designed to help your body rid itself of harmful substances. This is a vital first step, because your mind cannot receive the lessons of recovery until free from the compulsion to drink and use. 

At Tulip Hill Healthcare, we offer safe, effective detox programs tailored to your needs:

  • Medically-supervised detox offers 24-hour, around-the-clock clinical supervision by a team of doctors, nurses, and addiction specialists. If appropriate, medications can be administered to alleviate withdrawal symptoms.
  • Nonmedical detox utilizes both counseling and adopting lifestyle changes as preparation for an ongoing treatment program.

Residential Drug and Alcohol Treatment

30 Days
Best for someone who:
  • Is battling a moderate-to-severe addiction
  • Has a long history of drug or alcohol abuse
  • Is unable to quit on their own, even after several attempts
  • Has failed to complete a previous treatment program
  • Has relapsed multiple times
  • Has ever overdosed
  • Is a danger to themself or others
  • Does not have a stable, supportive, and sober home life

During residential drug/alcohol treatment, you receive services in a live-in setting, away from the challenges and temptations that could hinder your recovery. Services include counseling, medication management, group therapy, holistic care, life skills training, and 24/7 medical supervision.

After establishing a firm foundation upon which to build a sober, healthier, and happier life, most people who complete treatment at a residential facility continue their recovery journey by enrolling in an appropriate outpatient rehab program.

Cigna’s large network of in-network providers makes it easier for you to access care close to home or at a trusted facility like Tulip Hill Healthcare. You can use Cigna’s Find a Doctor or Facility tool to confirm in-network status and treatment locations.

Because our locations are in-network with Cigna, you benefit from:

  • Lower out-of-pocket expenses
  • Simplified billing and approvals
  • Streamlined admissions

This means you can enter treatment confidently, knowing your care is both accessible and affordable.

  • Does Cigna InsuranceCover Detox at Tulip Hill Healthcare?

    Yes, Cigna Insurance covers alcohol and drug detox. These Tulip Hill Healthcare facilities are in-network detox providers covered by Cigna:

    If you are ready to break free from a dependence on drugs or alcohol, Tulip Hill Healthcare has the Cigna-approved detox program you need. CONTACT US TODAY to start your sober journey.

  • Does Cigna Insurance Cover Residential Drug and Alcohol Treatment at Tulip Hill Healthcare?

    Once you successfully detox, you may transition to an outpatient program where you continue to receive therapy while living at home and maintaining your daily responsibilities. 

    At Tulip Hill Healthcare, we offer several levels of outpatient recovery, including Partial Hospitalization Program(PHP), Intensive Outpatient Programs (IOP), and Outpatient Rehab (OP). These programs are designed for anyone who needs continued support as they reintegrate into their daily lives. This gives you flexible treatment options that fit into your work, school, and family life.

Outpatient Treatment Options

Partial Hospitalization Program (PHP)

30 Days

Best for: Individuals finishing inpatient rehab or who need a high level of structured support without needing round-the-clock monitoring.

  • 5–7 weekly sessions, 6–8 hours per session
  • Intensive individual counseling and peer group therapy
  • Medication support
  • Mental health treatment

PHPs offer treatment services that are nearly identical to those found in a residential facility, but without 24-hour supervision or overnight stays. You still go to the PHP every day, receive services and support, and then you go home every night to spend time with your family and sleep in your own bed.

If you are struggling every day to get or stay clean and sober, but you do not need round-the-clock, 24/7 supervision, then a PHP at a Tulip Hill Healthcare facility is the best drug rehab option for your needs.

A Tulip Hill Healthcare PHP is also the right choice if you have recently completed residential treatment and need continued services and support.

Intensive Outpatient Program (IOP)

1 to 2 Months

Best for: Anyone who still needs significant support during early recovery, but who also needs flexible drug rehab options. This is a step down from partial hospitalization – it offers the same services, treatments, and therapies, but there are fewer weekly sessions. 

IOP makes it much easier for you to go to work, attend school, spend time with your loved one, and fulfill other obligations

  • 3 to 5 days per week, 3 hours per session
  • Next step for anyone completing PHP
  • Focuses on coping skills, relapse prevention and response, and post-treatment aftercare planning

If you are newly sober and need extra support without daily supervision, or if you need a flexible treatment option that lets you hold a job, then a Tulip Hill Healthcare IOP is your best path to recovery.

Outpatient Drug and Alcohol Rehab Ongoing as Needed

Best for: Anyone who needs support as they prepare to leave treatment soon. OP rehab gives you the tools, skills, and resources to build and maintain a happy, healthy life free of alcohol and drugs.

  • Individual counseling
  • Group and family therapy
  • Preventing and responding to relapse
  • Peer support
  • Local resources

Outpatient drug treatment at Tulip Hill Healthcare is the least-intensive level of care, typically meeting only one or two times a week and continuing until you leave structured rehab services.

If you are nearly ready to transition to living a life of recovery on your own, but want to continue practicing the skills you have acquired, Tulip Hill Healthcare offers the top outpatient drug rehab programs in Kentucky and Tennessee.

Dual Diagnosis Treatment

Many individuals with substance use disorder also struggle with underlying mental health issues, such as anxiety, depression, or PTSD. These conditions often complicate the recovery process, making it necessary to address both issues simultaneously.

At Tulip Hill Healthcare, we offer dual diagnosis treatment to help clients address all aspects of their well-being. This holistic approach to treatment helps to provide the best chance for long-term sobriety.

Because it is the best way to meet all of your recovery needs, all of our facilities provide services for co-occurring disorders as a standard treatment.

Medication-Assisted Treatment (MAT)

Mental health experts call the combination of anti-addiction medications and psychotherapy the “gold standard” of substance abuse treatment.

How big is the problem locally, within our own communities?

In 2023, overdoses killed over 3600 Tennesseans – 75% of those deaths involved fentanyl, the powerful opioid called the “deadliest drug in America”. That same year, overdoses claimed the lives of nearly 2000 Kentuckians – almost 80% involved fentanyl.

The Substance Abuse and Mental Health Services Administration says that MAT cuts drug deaths by at least 25%. That’s a lot of lives that could be saved by timely treatment.

MAT combines behavioral treatment with anti-addiction medications. It’s effective because the medications diminsh cravings that drive compulsive use and that trigger relapses.

If you find it hard to stay sober on your own, Tulip Hill Healthcare’s Cigna-approved Medication-Assisted Treatment in Tennessee and Kentucky is the proven resource you need that just may save your life.

  • Does Cigna Cover Medication-Assisted Treatment at Tulip Hill Healthcare?

    Yes, Cigna covers Medication-Assisted Treatment at Tulip Hill Healthcare, meaning you can get the medication and the therapy you need to successfully recover.

    These facilities provide in-network MAT covered by Cigna:

    Find out more about how Cigna-approved Medication-Assisted Treatment at Tulip Hill Healthcare gives you the support you need to regain both your sobriety and your stability.

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Maximizing Your Chances for Long-Term Recovery with Cigna and Tulip Hill Healthcare

Achieving lasting recovery from SUD requires more than just medical treatment – it involves ongoing support, counseling, and lifestyle changes. With Aetna insurance covering a wide range of services, Tulip Hill Healthcare offers everything you need to build a strong foundation for long-term sobriety.

Holistic and Therapeutic Support

In addition to traditional therapies like individual counseling and group therapy, Tulip Hill Healthcare incorporates a range of holistic therapies designed to address the mind, body, and spirit. These include mindfulness practices, nutrition counseling, art therapy, and more. These holistic methods, combined with traditional approaches, help to support overall healing and well-being.

Aetna’s coverage for behavioral health services includes not only medical treatments but also access to these essential therapeutic practices that can provide long-term healing and stability.

  • What Recovery Therapies Does Cigna Cover at Tulip Hill Healthcare?

    Cigna generally covers evidence-based therapies related to recovery from SUD or mental health, as long as they are medically necessary. This includes:

    When it comes to holistic therapies such as yoga, acupuncture, nutritional guidance, art therapy, etc. Cigna may cover some of these services on a case-by-case basis.

    Check with your Cigna care coordinator or the Tulip Hill Healthcare to verify what your policy covers.

Ongoing Aftercare and Alumni Support

Recovery does not end when you leave the treatment facility. At Tulip Hill Healthcare, we understand that maintaining sobriety after treatment can be challenging. That’s why we offer comprehensive aftercare services, including case management, therapy sessions, and alumni programs that connect you with ongoing support from peers and counselors who understand the challenges of staying sober.

Cigna’s coverage for aftercare services ensures that you have access to the resources you need to maintain your recovery. Whether it’s continuing therapy or participating in recovery support groups, you’ll have the support you need to stay sober and build a fulfilling life.

Take the First Step Toward Recovery Today

If you or a loved one is struggling with addiction, help is available. Aetna insurance can help make the recovery process more affordable and accessible, and Tulip Hill Healthcare is here to guide you every step of the way. To learn more about how Aetna can help you access addiction treatment at any Tulip Hill Healthcare facility in Kentucky or Tennessee, please reach out to us today. Disclaimer: Insurance coverage varies based on individual plans. Please verify your benefits with Aetna directly or contact our admissions team for assistance.

Frequently Asked Questions (FAQs)

1. What addictions are covered by Cigna?

Cigna covers every form of SUD:

2. How do I verify that Cigna covers addiction treatment at Tulip Hill Healthcare?
  1. Call Cigna directly at 1-800-853-2713.
  2. Visit the Cigna member portal.
  3. Contact the Tulip Hill Healthcare admissions team.
Will I need to pay anything out-of-pocket for treatment?

The cost of treatment at Tulip Hill Healthcare will depend on your Cigna insurance plan. Some plans may require copays, deductibles, or out-of-pocket expenses. However, Cigna’s behavioral health coverage can significantly reduce the overall cost of treatment.

To get a clear picture of what you may need to pay out-of-pocket, we recommend:

  • Contacting Aetna directly to understand your copays and deductible requirements.
  • Working with our admissions team: We can help you verify your benefits and provide you with a breakdown of expected costs, so you know what to expect.
How long will my treatment at Tulip Hill Healthcare last, and will Cigna cover the full duration?

The length of treatment varies depending on your needs, but typical addiction treatment programs can range from 30 days for residential treatment to 90 days or longer for ongoing outpatient care. Cigna typically covers a range of treatment durations, but the specifics of your coverage will depend on your plan.

At Tulip Hill Healthcare, we offer a complete, but flexible continuum of care, from an initial assessment to detox to residential treatment to Partial Hospitalization Programs (PHP), to Intensive Outpatient Programs (IOP), to standard outpatient services to aftercare. 

Once we verify your benefits with Cigna, we’ll ensure that the treatment plan is designed to align with both your recovery needs and your insurance coverage.

What should I do if I have trouble accessing treatment through Aetna?

If you encounter any difficulties accessing treatment through your Aetna insurance, please reach out to our admissions team at Tulip Hill Healthcare. We are here to help guide you through the process, troubleshoot any issues, and work directly with Aetna to ensure that you receive the care you deserve. Our team will do everything we can to make your recovery journey as smooth and accessible as possible.

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