Rehab Centers That Accept Cigna Insurance in New York
Cigna provides robust behavioral health coverage with a network of addiction treatment providers throughout New York. Cigna members have access to medical detox, residential programs, outpatient treatment, and medication-assisted therapy. Many Cigna plans include integrated mental health services, making it easier to address co-occurring disorders like depression or anxiety alongside addiction. Always verify network participation with Cigna member services.
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Rehab Centers That Accept Cigna Insurance in New York
Featured 30 Centers Accepting Cigna
From 548 facilities that accept Cigna, we've highlighted 30 starting points based on clear criteria.
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Showing 30 of 548 total facilities accepting Cigna
What Cigna Covers
Cigna's substance abuse benefits are administered through their behavioral health division, often in partnership with Evernorth Behavioral Health. Coverage typically includes medically supervised detoxification, residential treatment programs, partial hospitalization (PHP), intensive outpatient (IOP), and ongoing outpatient counseling.
Deductible Status
Whether you've met your annual deductible
Example range: $1,500-$4,000 (varies by plan)
Network Status
In-network vs out-of-network rates
Per-Session Costs
Copays or coinsurance amount
Example range: $30-$75 per session copay or 20% coinsurance
Level of Care
Inpatient vs outpatient rates differ
Get your exact costs: Call 1-800-244-6224
Common Plan Structures
- HMO:Requires in-network care, lower costs
- PPO:Can use out-of-network, higher flexibility
- EPO:In-network only, no referrals needed
- POS:Hybrid of HMO and PPO
Plan Source Matters
- Employer plan:Group benefits vary by company
- Marketplace:ACA plans with metal tiers
- Comprehensive behavioral health network
- Integrated mental health & substance abuse
- Virtual care options
- Case management included
- EAP programs with free sessions
- Covers evidence-based therapies
- Prior authorization required
- Network can be limited in rural areas
- Higher copays than some insurers
- May require step-down approach
What to Have Ready Before Calling
💡 Having this ready reduces call time and ensures you get accurate information
1Call Your Benefits Line
Call 1-800-244-6224 or the number on your card
1-800-244-62242Ask These Questions
- • What is my deductible and how much have I met?
- • What is my copay for outpatient therapy?
- • Does my plan cover inpatient treatment?
- • Do I need prior authorization?
- • General coverage information for the insurance plan
- • Whether a specific facility is in-network
- • Typical copays and deductibles for the plan
- • Prior authorization requirements
- • General admission process questions
- • Specific treatment history or records
- • Whether someone is currently in treatment
- • Details about their specific claims
- • Dates of service or diagnoses
- • Any personal health information
How to Talk to Insurance as a Family Member:
"Hi, I'm calling to understand what addiction treatment benefits are covered under [plan type]. I'm not asking about a specific person's claims, just what the policy covers in general." This approach gets you the information you need while respecting privacy laws.
Ask for a formal denial letter that includes:
- Specific reason for denial
- Policy section reference
- Appeal rights and deadlines
You have the right to appeal. Most insurers have 2-3 levels of appeals. The facility's billing team can often help you with this process.
- Different level of care (e.g., IOP instead of inpatient)
- In-network facility alternatives
- Single-case agreement for out-of-network
Federal law requires insurers to cover mental health and substance abuse treatment at the same level as medical/surgical care. If denied, ask if the same restriction would apply to medical treatment.
Frequently Asked Questions About Cigna
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