Are You in Search of a Rehab Facility?
Mental health disorders share similarities with physical ailments such as viral infections. Mental health disorders are not signs of weakness or lack of willpower; they are health issues that require professional care. Seeking help is a display of strength and resolve, and Emerald Health and Recovery strives to provide a safe, non-judgmental environment where clients can begin their recovery.
Important Factors to Consider Before Choosing a Rehab Facility
What Are Your Specific Needs?
The first thing you need to consider is whether your needs will be better met by an inpatient or outpatient program. Note that the two options are not mutually exclusive, but the chances of a successful recovery increase when a client starts with an option that is best suited to their substance abuse disorder and its severity.
Inpatient programs will allow you to work towards your recovery in an environment that is both safe and secure. Most inpatient facilities have care available to you around the clock. Another benefit is that an inpatient program can give you a barrier between yourself and the people who may have contributed to your substance use issue. You will not have any outside influences competing for your attention. This will allow you to fully concentrate on your recovery. The drawback is that inpatient programs will require you to stay at the facility for some time. This may lead to you feeling separated from your loved ones.
Cigna recommends inpatient treatment for clients with one or more of the following situations:
- Clients who unsuccessfully attempted outpatient therapy
- Clients with multiple mental or physical disorders
- Clients whose homes render it difficult to avoid or reject the substance being abused
- Clients who do not live close to in-network outpatient facilities
Outpatient programs allow you to stay at home. Your recovery may be easier if you stay in a familiar place. The drawback is that you may have to deal with negative influences that increase the chances of relapse. This can be a barrier to your progress, which may lead only delay your recovery.
Cigna recommends outpatient treatment for clients with one or more of the following situations:
- Clients who cannot commit to an extended leave of absence
- Clients who need to be close to their family and friends
- Clients whose homes are free from the substance being abused
- Clients who cannot afford inpatient treatment even with coverage
Is Specialized Care Available?
The second factor you should consider is whether specialized care is available at the facility. Specialized care that addresses factors and complications that are unique to the client’s demographics can be far more effective with revealing and treating the root causes of the substance abuse disorder. Specialized care programs include, but are not limited to:
- Treatment for substance use
- Opportunities for substance use analysis
- Analysis for mental health disorders
- Eating disorder analysis
- Restoration programs for women
- Restoration programs for men
Does My Health Insurance Cover This Facility?
If you carry Cigna Insurance, you will probably want to contact them to figure what they will and will not pay for. There are a couple of ways to accomplish this. You may wish to call the customer service number on your ID card. Or you may simply navigate to their website. You may find that your specific policy does not cover rehab facilities. However, the policies that do should cover several rehab centers around the U.S. The level of coverage and care are dependent on the specific policy that you have.
Cigna Insurance customers can usually find approved treatment centers online by simply searching for Cigna rehab centers. They offer policies that cover inpatient and outpatient treatment programs. Cigna’s mental health benefits include aftercare therapy and multiple inpatient check-ins. And neither Cigna nor any other American insurance company can raise a client’s premiums in response to rehabilitation therapy.
Note that most Cigna plans that cover mental health expenses cover from one to six weeks of inpatient therapy. Also, Cigna frequently requires pre-authorization for both in-network mental health services and out-of-network mental health services. To assist you in long-term recovery, they may offer extra services. A few of the extra services they cover may include:
- Medical exams and treatments
- Screenings and assessments
- Psychiatric evaluation and treatment
- Medications for treatment
In your search for Cigna rehab centers, you will need to decide between a facility that is in-network and one that is out-of-network. If you decide on an out-of-network facility, it may increase your out-of-pocket costs. Penalties for using out-of-network providers range from higher out-of-pocket expenses to no coverage at all for the out-of-network treatment. Also, some plans will require clients to receive pre-authorization to receive any coverage for out-of-network provider services. Before you start rehab, the best thing to do is to find out your total cost by contacting Cigna insurance. Generally, Cigna’s HMOs and EPOs require clients to stay in-network for Cigna to cover any medical costs, whereas PPOs and POS plans allow clients to receive treatment from out-of-network medical providers in exchange for higher out-of-pocket costs.
Cigna’s health plans are divided into four tiers: Bronze, Silver, Gold, and Platinum. All four tiers require clients to pay a deductible, though higher-tiered plans have lower deductibles and lower coinsurance rates. The lowest tier, Bronze, offers 0% coinsurance after the deductible is met, but restricts clients to in-network providers only. The highest tier, Platinum, offers 10% to 20% coinsurance after the deductible is met, and the penalties for receiving out-of-network care are less severe.
Cigna does not provide any coverage for private luxury rehabilitation facilities. Cigna deems luxury rehabilitation facilities as beyond what their clients need for recovery. Cigna clients can check into a luxury facility, but they are responsible for 100% of the treatment costs.
Many rehabilitation facilities have in-house financial specialists that can answer questions pertaining to health insurance coverage or arrange payment plans. Though these in-house specialists do not have the same level of knowledge as Cigna agents, the in-house specialists can answer most questions that a client may have.
Supporting Your Recovery
You should consider the manner a treatment center will your recovery. The current protocol calls for a period of 28 days. However, this protocol is a guideline and not a hard-set rule. The actual length of therapy is determined by multiple factors, including the client’s insurance plan, the severity of the client’s mental health disorder, the substance associated with the disorder, and the client’s obligations and responsibilities.
What Treatment Approach Does This Facility Use?
Another thing you should think about is the treatment approach a rehab facility utilizes. There are several scientifically based treatment approaches a rehab facility may use, which include, but are not limited to:
- Motive interviewing
- Medically based nutrition therapy
- Treatment to heal trauma
- Treatments that seek safety
- Cognitive behavior therapy (CBT)
- Dialectical behavior therapy (DBT)
Choosing a rehabilitation facility is not a simple task. However, successful recovery requires that clients select a facility that is best suited to their mental health disorder, their community ties, and their financial situation. Please remember to check with Cigna for coverage, because it is an important part of your choice. If you are unable to check with Cigna, we can contact them for you. We appreciate you considering Emerald Isle Health & Recovery for your treatment needs.