Rehab Centers That Accept Cigna Insurance In Alaska
Entering a professional rehab center in Alaska provides the opportunity to start improving personal health and recovering from substance abuse. The key consideration when looking for a treatment facility in your desired location is the cost of treatment and the insurance coverage. Although Cigna insurance does not offer individual policies in Alaska, the company does offer group policies through employers to help with healthcare costs and mental health treatments.
Coverage in Alaska
Exact coverage for substance abuse and mental health disorders through Cigna policies in Alaska depends on the employer rather than the insurance provider. Group policies through an employer focus on the needs of the group and the standards of the company rather than individual preferences and goals.
In general, Cigna policies in Alaska offer standard or basic coverage that handles most healthcare needs. Policies from Cigna usually offer coverage for mental health disorders or substance use disorders that comply with state and federal standards. Furthermore, the policies commonly offer greater coverage than the basic necessities, so it helps with residential and outpatient treatment needs.
Since each policy depends on the employer, coverage varies significantly between policies. In most cases, the policy pays a stated percentage of the costs of residential or outpatient care. For example, a policy might cover 60 percent of the costs of treatment after an individual pays the deductible in a basic or standard policy. Some policies offer greater coverage, such as 80 percent of the costs of treatment, so read the policy for details about the exact coverage. When coverage does not require a co-insurance rate, it usually sets a clear co-payment for treatment. For example, outpatient programs might require a co-payment of $25 to $50 per session rather than a percentage of the total treatment expenses.
Selecting a Treatment Facility
Entering a rehab center in Alaska depends on several factors, including the insurance coverage from Cigna and the goals of the individual. When a loved one shows signs of substance abuse or a mental health disorder, a professional rehab center offers the tools to make positive changes to a personal lifestyle.
Select a program after evaluating the standards of the policy. Some policies only pay for in-network facilities or cover a larger percentage of the costs of treatment. Avoid out-of-network programs unless the facility specifically treats a health concern that is not available in other local facilities.
Focus on programs that offer a personalized treatment plan and multiple solutions to help with long-term recovery. An addiction treatment program can offer cognitive behavioral therapy, behavior modification, and traditional treatments to help with long-term goals. It can also provide appropriate tools to help with any physical ailments or health conditions that develop from substance abuse. Ideally, a program will also offer detox services to help reduce the risk of complications while detoxifying the body and preparing for more intensive treatment options.
When a holistic treatment program does not offer all of the tools an individual needs, consider an evidence-based approach to recovery. Evidence-based treatments use medical tools and psychological treatments to help with long-term goals and identify the underlying causes of addiction. It also offers treatments for co-occurring disorders and mental health conditions so that individuals address several complications. Traditional treatments, like counseling and group therapy, also help with long-term goals.
Select a treatment program that addresses personal needs and goals without excluding multiple treatment solutions. The best programs offer personalized treatment plans that address the underlying causes of substance abuse.
Exclusions in the Policy
Always look at the exclusions and limitations in a policy before starting a treatment program. Exclusions usually relate to specific treatments, such as acupuncture or massage therapy, rather than rehab centers. Some policies also exclude out-of-network treatment programs and do not cover the treatments in the facilities. Limitations differ from exclusions because it specifically limits coverage rather than preventing coverage. For example, a policy might limit the duration of treatment to 30 days in a residential program or 12 sessions in an out-patient facility. Limitations usually apply on a yearly basis.
Recovering in Alaska
The best way to handle an addiction to drugs or alcohol in Alaska is by seeking professional treatment. Cigna policies from an employer offer the tools to start recovering and improving personal health. To learn more about treating addiction in Alaska, use the tools at RehabCenter.net today.
