Cigna& addiction treatment

What's typically covered

Cigna is one of the largest U.S. health insurers. Under federal parity laws (MHPAEA) and the Affordable Care Act, most plans must cover medically necessary substance-use and mental-health treatment. Most Cigna plans cover the full continuum of care — medical detox, residential, partial hospitalization (PHP), intensive outpatient (IOP), and standard outpatient — when it is medically necessary. Specifics vary by plan.

Covered services depend on medical necessity and your specific plan.

What will it cost?

Your out-of-pocket cost depends entirely on your specific Cigna plan — deductible, coinsurance, and whether the program is in-network. It is not a fixed public price. The program can verify your exact benefits, usually in a single phone call.

Typical self-pay ranges (general estimates, not a quote):

Medical detox$250–$800 / day (outpatient detox often $1,000–$1,500 total; medical inpatient detox $5,000+)
Residential / inpatient$6,000–$30,000 for a 30-day program (≈$12,500 average); 60–90 days $30,000+
Partial hospitalization (PHP)$350–$450 / day
Intensive outpatient (IOP)$250–$650 / day (≈$3,000–$10,000 per program)
Standard outpatient$2,000–$10,000 per program, by intensity

These are general industry estimates to set expectations — not a price quote. Actual cost and coverage must be confirmed with the facility and your insurer. With insurance, you typically pay far less than self-pay.

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Programs that accept Cigna by state

248 programs in our directory accept Cigna-type coverage.

Clear Bed Recoveryconnects you to treatment facilities; we don't provide treatment ourselves. This page is general information, not insurance or medical advice.