Rehab Centers That Accept Cigna Insurance In Missouri

September 30, 2019

For patients interested in substance abuse treatment, the right care can make an enormous difference in the recovery process. Fortunately, health insurance providers will now cover a portion of the cost of this care. It is important for you to check with your individual plan and how that will influence your budgeting and planning.

Here is what all patients should know about Cigna insurance in Missouri.

Cigna Substance abuse Coverage in Missouri

In Missouri, there are currently several plans available through Cigna. All of these plans are currently classified as either bronze or silver. These metallic levels are used to make it easy for you to see how much of your costs, on average, will be paid by the insurance company, and how much will have to come from your pocket. For Silver level plans, you can plan on paying about 30 percent out-of-pocket. For Bronze plans, that number grows to about 40 percent.

At both levels, there are certain plans that allow you to pair the coverage with an HSA. An HSA is a tax-free savings account that allows you to put aside funds to cover certain medical expenses. This money can be used to cover things like deductibles or copayments, making it easier for you to budget for any out-of-pocket expenses for rehab costs. You can also use this money to budget for other parts of the rehab process, such as hospital costs for detox or for additional therapy after completing treatment as the patient begins to reenter society.

It is also important to note that none of the plans currently offered include coverage for any out-of-network services. This means that if you find the perfect inpatient facility but they are not part of the Cigna network, you will not receive any coverage. Although this can feel limiting, it can also be beneficial as patients may find it easier to make a decision about providers and facilities.

For all the plans, there are also two 5 tier systems for prescription drugs. This system is described as follows: Tier 1– Retail Preferred Generic, Tier 2– Retail Non-Preferred Generic, Tier 3– Retail Preferred Brand, Tier 4– Retail Non-preferred Brand and Tier 5– Retail Specialty. The second group is: Tier 1– Home Delivery Preferred Generic, Tier 2– Home Delivery Non-Preferred Generic, Tier 3– Home Delivery Preferred Brand, Tier 4– Home Delivery Non-Preferred Brand and Tier 5– Home Delivery Special. On the plans, the costs will vary depending upon the level, with some being charged a flat copayment and others being charged a coinsurance cost. It is important for you to review your personal insurance information so you can learn which medications are classified at each level. Then you, along with your provider, can make the best decisions about medication costs without sacrificing the level of care you need to thrive.

Although each plans has its own intricacies, here is what you should generally know about Cigna health plans in Missouri.

Silver

The Silver level plans will generally have higher deductibles but lower deductibles and copayments/coinsurance than the Bronze plans. When you check into rehab, you will find that the different plans will have different requirements at the Silver level. Some will require a consistent coinsurance payment for both inpatient and outpatient care, such as 15 percent after the deductible. Other plans, however, have a flat copayment for outpatient care, with the deductible waived. On these plans, you still pay a coinsurance rate after the deductible for inpatient care.

For many patients the journey to rehab begins in the emergency room. Too many patients find themselves using their substance of choice and seriously harming themselves or others. Regardless of the situation, patients should also be familiar with how emergency room care is billed. For the Silver level plans, you will generally have a low coinsurance payment, between 15 percent and 30 percent.

Bronze

On some of the Bronze level plans currently offered, you will be required to pay 40 percent out-of-pocket for both inpatient and outpatient treatment after your deductible has been met. On other plans in this category, there is a 0 percent copayment after the deductible has been met. Similarly, some of the plans will have 40 percent coinsurance required after the deductible has been met for emergency room care, while others have a 0 percent copayment after the deductible.

The decision to enter rehab can have a tremendous impact on the health of patients and their success with maintaining their sobriety. Patients and their loved ones should always carefully review individual insurance plans and speak with an insurance representative before making a decision about care while expecting coverage.