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Does CIGNA Insurance Cover Addiction Treatment Costs?

Treatment for a substance use disorder is something many people need, but very few people who need help actually receive it. The Substance Abuse and Mental Health Services Administration (SAMHSA) has put recent estimates of people struggling with drug abuse at around 22 million people in the United States. Of those people, only about 10 percent actually get the treatment they need. 

There are many barriers to receiving proper addiction treatment. Denial of a problem, negative social support, fear of treatment, concerns about privacy, poor treatment availability, and difficulty being admitted to a rehab program are some of the top reasons why people don’t receive drug abuse treatment. 

Researchers and health care professionals recognize that participating in treatment is the best way to address a substance abuse problem.

Entering treatment, however, is a significant hurdle for many people to overcome. If you are fortunate enough to have health insurance, this hurdle might be made smaller for you. Most insurance companies offer behavioral health services that provide coverage for substance abuse treatment programs.

Cigna is an international health insurance company that provides coverage for health care services to people living in 30 countries. It maintains a global network of physicians and hospitals, so local services are available to you wherever you are. It boasts a customer base of more than 95 million people globally.

The Cigna corporation that you know today was formed through a merger of INA Corporation and Connecticut General Corporation in 1982. Parts of the company, however, date back to more than 200 years in the United States.

Cigna strives to form partnerships with individual customers and companies to provide innovative and effective health coverage. Facts about Cigna include:

  • It has $41.6 billion in annual revenue.
  • It was No. 73 on the 2018 Fortune 500 list.
  • It has more than 45,000 employees around the world.
  • It has nearly 16 million global medical customers.
  • In 2017, 168 million medical claims were processed.
  • U.S. service centers are available 24 hours a day, seven days a week, 365 days a year.
  • It has a global network of 122,000 behavioral health care professionals and 14,000 facilities.
  • Almost 70,000 pharmacies are contracted with Cigna around the world.


Cigna offers health insurance plans and services for individuals and families, employers and brokers, as well as health care providers. Many companies offer health care packages through Cigna, but individuals can also purchase insurance based on their specific needs. Coverage offered by Cigna includes the following:


  •  Medical
  •  Dental
  •  Supplemental insurance
  •  Medicare
  •  Group employee plans
  •  International insurance

An additional and valuable service that Cigna offers is an employee assistance program (EAP). Cigna’s EAP provides access to licensed clinicians who can provide support to help you work through challenges you may be facing in life. The responding clinicians are trained to work with emotional and behavioral issues that could be affecting many different areas of your life. EAP services are available to your family members as well. 

You have three options for getting in touch with an EAP clinician. You can meet with a licensed counselor in person who has been contracted by Cigna. You can talk with an EAP consultant over the phone who can explain your EAP benefits and make referrals, as appropriate. You can also chat with an EAP consultant through the live chat feature online. 

Cigna’s EAP offers the following services:

  • Elder care (companion services, home health care, and safety monitoring)
  • Financial assistance (spending habits, budgeting strategies, debt consolidation, managing credit, and retirement planning)
  • Physical health (nutrition and exercise)
  • Emotional health (stress, depression, and grief)
  • Job/career (job skills, career growth, interviewing, and networking)
  • Relationship (marital and domestic violence)
  • Family life (parenting, development, and childcare)
  • Legal (domestic/family law, civil law, and real estate law)
  • Substance Use (alcohol and drugs)


Cigna has created initiatives to treat behavioral health needs. Programs have been developed to address specific health and wellness concerns that affect individuals as well as their families. The following sections are featured:

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  •  Family Care
  •  Healthy Eating
  •  Exercise
  •  Dental Health
  •  Healthy Aging
  •  LGBT Health
  •  All About Autism
  •  The Truth About Eating Disorders
  •  Coping with Substance Abuse
  •  Family Behavioral Awareness Series

Each topic has a link to resources, including free seminars that provide valuable information from experts in the field, as well as customer stories about their experiences in each area. In Coping with Substance Use Disorder, for example, experts share their knowledge on various topics, such as healthy practices of successful people in recovery, challenges with substance use, and treatment options that work. 

“Cigna also made headlines recently for efforts to address the opioid overdose epidemic that has swept across the United States. Cigna leveraged resources from its medical, behavioral, and pharmacy divisions to identify ways to end the opioid cycle of addiction. Cigna set itself a goal of reducing opioid use among its customers by 25 percent by 2019. It announced in March 2018 that it had achieved this goal a year ahead of schedule.”

Cigna partnered with more than 1 million physicians to employ safer prescribing practices and reduce the number of opioid prescriptions. Physicians were provided with information about opioid misuse, overuse, and proper prescription management. Additionally, Cigna implemented a customer-focused initiative to educate consumers on proper and safe pain management to prevent future opioid use disorders from developing. 


As part of Cigna’s efforts to provide effective and comprehensive health care coverage, it created the Cigna Designated Substance Use Treatment Provider program. The program is available to employees, individual subscribers, and their family members. Key features of this program include providing access to substance use disorder treatment programs around the country, annual admission and readmission data, as well as cost data about attending a rehab program. 

This program covers the cost to attend inpatient, residential, partial hospitalization, and intensive outpatient treatment programs.

Many programs offer a variety of treatment options, such as music therapy, art therapy, yoga, and mindfulness practices. Not all of the services within each program may be covered. 

Services that are considered to be experiential or nonmedical, such as educational services, vocational rehabilitation, religious counseling, and custodial services, are not likely to be covered.

Woman reading a PowerPoint about insurance on her laptop.

In the case of nonmedical therapies, such as art, music, or yoga, the costs may be covered if the therapies are included in the treatment program of a facility that has already been approved by Cigna. 


If you are a Cigna customer, myCigna is your home base for all of your health coverage needs. It contains information on all of your health insurance plans and behavioral health benefits, as well as information about your employee assistance program if you work for a company that offers one. Once you register with myCigna, you can do many things related to your health care coverage such as:


  •  Get answers to coverage questions.
  •  Track and file claims.
  •  View account activity.
  •  Find doctors and services.
  •  Receive out-of-pocket cost estimates for new services.
  •  Get a breakdown of costs, including deductibles and copays.
  •  Receive health advice through featured health programs.
  •  Make payments and manage account balances.
  •  Purchase new plans.
  •  Manage your profile.
  •  Print or request ID cards.

All relevant contact information should be available through the myCigna platform, but additional information about how to contact Cigna is also available. Specifically, if you are looking for substance abuse services, Cigna Behavioral Health customer service representatives can be reached at 1-800-433-5768. The back of your ID card also provides contact information for various services division you may wish to speak with. 


Navigating your health benefits can be a tricky process, especially when it comes to figuring out which behavioral health services are available. If Cigna insures you, the good news is you should be able to find a substance abuse treatment program that is covered by your insurance plan.

While some costs, especially specialty treatments, might come at an additional expense to you, Cigna has a network of more than 30 rehab facilities across the country that it is already contracted with. Finding the right addiction care can be a challenging process, but Cigna is there to help you meet your treatment goals.


Cigna Company Profile. Cigna from

(May 2017). The Cigna Designated Substance Use Treatment Provider Program. Cigna from

(March 2018). Cigna’s Partnership with Physicians Successfully Reduces Opioid Use by 25 Percent – One Year Ahead of Goal. Odyssey Base from

myCigna. Cigna from

Employee Assistance Program. Cigna from

(September 2016). Results from the 2015 National Survey on Drug Use and Health: Detailed Tables. Substance Abuses and Mental Health Services Administration from

(September 2007). Treatment Barriers Identified by Substance Abusers Assessed at Centralized Intake Unit. Journal of Substance Abuse Treatment from




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