Drug Rehabilitation Programs in New York Covered by Cigna Health Insurance
Drug rehabilitation programs in New York covered by Cigna health insurance may include inpatient and outpatient drug rehab options. Families or individuals with Cigna health insurance in New York can access drug and alcohol treatment with their health insurance plan. Cigna health insurance generally provides coverage for a range of different behavioral health services. Someone in need of drug rehab in New York should contact their Cigna health insurance provider. Most drug rehab centers in New York work with health insurance providers.Drug rehab options include in-network substance use treatment providers through Cigna and out-of-network services. Treating drug addiction involves different steps, and the first is a drug detox to manage withdrawal symptoms and ease cravings.
The next step involves attending a residential or outpatient drug rehab center in New York following drug detox. Once the family or addict has determined what level of coverage they have through their health insurance plan, the next step is selecting the right drug rehab center. Another option to consider is an addiction assessment with a qualified healthcare provider or drug rehab referral center.An addiction assessment aims to evaluate the addict and recommend drug rehab centers in New York. No one form of drug rehab is right for every person; treatment settings and interventions should meet the person’s needs attending drug rehab.
How Does Cigna Health Insurance Cover Drug Rehabilitation Programs in New York?
Cigna health insurance covers some formsof drug rehab and behavioral health services. However, the extent of coverage depends on the type of Cigna health insurance plan. Coverage can range from partial to 100% inclusive, and certain plans cover the entirety of the drug rehab in New York. Yet, the family or addict may have some out-of-pocket expenses or a co-payment. Insurance coverage for drug rehab in New York and out-of-pocket expenses may fluctuate depending on the health insurance plan. Cigna health insurance offers Bronze, Silver, Gold, and Platinum plans. In addition, there are plans for individuals, families, and employers. Health Maintenance Organization plans, Exclusive Provider Organization plans, Point of Service plans, and Preferred Provider Organization plans are the most common types of health insurance plans.
An HMO plan with Cigna gives the family to keep their primary care provider and access local network health care providers. The cost of an HMO is generally lower than most health insurance plans. An EPO plan allows a family or individual to choose from a network provider. Point of Service plans offer families and individuals in-network care at a low cost and require the insured to choose a primary care provider. The insurance policy also requires the family and individual to receive a referral for a specialist. Depending on the Cigna health insurance plan, insured individuals may have full coverage or partial coverage for drug rehab in New York.
What Types of Drug Rehab Programs in New York Does Cigna Health Insurance Cover?
The type of drug rehab in New York that Cigna health insurance covers vary. Typically, it depends on the type of health insurance plan and level of coverage. Drug rehabilitation options may include outpatient drug rehab, outpatient drug rehab, intensive outpatient treatment, partial hospitalization or inpatient hospitalization, family, group, individual counseling, and aftercare support. Choosing the right drug rehab program is important. An addiction assessment and working with Cigna health insurance help the family determine what drug rehabilitation methods are needed.
The first step involves drug detox, and health insurance does cover some drug detox programs in New York. The two most common drug detox options in New York are medically supervised drug detox and clinical drug detox programs. Some residential and outpatient drug rehab programs are likely covered, yet the health insurance plan type determines what is covered. Residential and outpatient drug rehab programs include short-term and long-term programs, depending on the severity of drug addiction. It is also important for an addict to consider aftercare support like 12-step meetings, sober living homes, or peer support groups. Using health insurance, the family or addict should ensure drug rehabilitation is well-rounded.
Family Intervention Servicesin New York for Substance Abuse
Families in New York struggling with a loved one addicted to drugs or alcohol may not know how to help their drug-addicted loved one. Family intervention is a successful process. It helps the family regain control and convince their loved one they need help. Family intervention services in New Yorkmotivate an addict to seek out drug rehab and accept help. Family intervention is a focused approach to helping the family and addict. Most families with a drug-addicted loved one will hire a professional interventionist. Someone struggling with addiction is usually in denial about their addiction and unwilling to seek drug rehab. Moreover, they may not recognize the negative effects their behavior has on themselves and others. Family interventions are successful and work, yet a poorly planned family intervention makes the situation worse.
Health Insurance and Drug Addiction Trends in New York
Health insurance is an excellent resource to use to cover drug rehabilitation in New York. Health insurance plans alleviate some of the cost of drug rehabilitation. In 2019, 5.3% of New Yorkers were without health insurance. However, 49.8% had health insurance through an employer, 25.7% had Medicaid, and 13% had Medicare. Health insurance makes it easier to access drug rehabilitation programs in New York. Unfortunately, many people who are struggling with drug addiction do not get the help they need. According to the New York Behavioral Health Barometer, between 2017 and 2019, roughly 2.8% of New Yorkers aged 12 or older had an illicit drug user disorder—only a small percentage of those with illicit drug addiction get help.
