Table of Contents
- Cigna Programs and Services
- Mental Health Services
- Cigna and the Healthcare Marketplace
- What Is A Deductible?
- What Do “In-Network” and “Out-of-Network” Mean?
- Different Types of Insurance Plans
- Live Free Recovery Services
- Live Free Recovery is In-Network With Cigna Insurance
Cigna Programs and Services
Cigna is a worldwide health services company. It has more than 180 million customer and patient relationships in more than 30 countries. Cigna insurance works with customers, providers, clients, and communities to create individualized solutions and promote whole-person health.
Substance Use Disorders (SUDs)
Cigna insurance knows that if you or someone you care about is struggling with a substance use disorder, it affects your whole life. Free seminars are offered to anyone who wants to learn about SUDs and recovery. Seminars are held every month, January through October.
Substance use disorders may refer to substance use or dependence. Symptoms of a SUD may include:
- A decline in attendance and work or school attendance
- Getting into trouble frequently
- Using substances in hazardous situations, like driving or operating machinery
- Being secretive and acting suspiciously
- Appetit or sleep pattern changes
- Unexplained change in attitude or personality
- Sudden mood swings
- Unusual periods of hyperactivity, agitation, or giddiness
- Lack of motivation
- Seeming to be fearful, anxious, or paranoid without reason
- Bloodshot eyes and abnormal pupils
- Sudden weight gain or loss
- A decline of physical appearance
- Unusual smells on body, breath, and clothing
- Slurred speech, tremors, or loss of coordination
- A sudden change of friends, hobbies, and favorite hangouts
- Legal difficulties associated with substance use
- Unexplained financial problems or need for money
- Continuing to use substances even though it harms relationships
Mental Health Services
Cigna insurance also offers free seminars for anyone who wants to learn more about children and adolescent behavioral disorders. This is an important service because mental health problems and SUDS often happen together. In fact, more than 25% of adults living with serious mental health problems also have substance use problems. This is because:
- Some illegal drugs may cause people with an addiction to experience symptoms of a mental health disorder.
- Mental health problems sometimes lead to alcohol or drug use. People with mental health problems sometimes misuse substances as a type of self-medication.
- SUDs and mental disorders share some underlying causes. This includes:
- Changes in brain structure
- Genetic susceptibility
- Early exposure to trauma or stress
Substance use disorders occur more often with these mental health problems:
- Anxiety disorders
- Personality disorders
Having a health assessment is an easy way to learn more about your health and decide what you may need to do to improve your health going forward. This report is a useful tool to use as a guide to help you set healthy goals and reveal any underlying issues or problems that need to be addressed.
Lifestyle Management Programs
If you have a weight, stress, or other problem that is affecting your health, a health coach can provide you with personalized support to:
- Help you learn to manage your weight
- Develop a tobacco quit plan if necessary
- Help you understand the reasons for your stress and learn to use coping mechanisms to help you manage your stress
Cigna and the Healthcare Marketplace
Cigna is part of the Affordable Care Act (ACA) Marketplace. The ACA was passed in 2010 and offers ways to link people who want medical insurance with the companies that sell it. Insurance companies that are part of the ACA marketplace are required to cover certain health conditions. This includes coverage for mental health and addictions.
The Mental Health Parity and Addiction Equity Act is a federal law that was enacted in 2008. The purpose of this law is to prevent group health plans and insurance companies that provide mental health or SUD benefits from limiting the benefits. Health insurance companies must provide coverage equal to the medical/surgical benefits in the plan.
Plans in the Healthcare Marketplace are structured in 4 categories. These are based on how you and your plan split the costs. They have nothing to do with the quality of care. Furthermore, your premium may be lower, based on your income.
The bronze plan has the lowest monthly premium but the highest costs when you need care. The cost is split 60/40 with you paying the 40%. Deductibles may be thousands of dollars per year.
Silver includes a moderate premium and moderate costs when you need care. Deductibles are usually lower than that of Bronze plans. The cost split is 70/30 with you paying the 30%.
If you choose a Gold plan, you will have a high monthly premium but low costs for care. Deductibles are usually low. The split is 80/20 and you will only pay the 20%.
Platinum plans have the highest premium and the lowest costs for care. Deductibles are very low. The cost split is 90/10.
What Is A Deductible?
The amount you pay for covered health care services before your insurance plan starts to pay is your deductible. For example, if you have a $2,000 deductible, you pay the first $2,000 of covered services and your insurance company pays the rest. After paying your deductible, you usually pay only a copayment or coinsurance for covered services.
All Marketplace health plans, including Cigna insurance, pay the total cost for certain preventive benefits even before you reach your deductible. Some plans even have separate deductibles for certain services like prescriptions. Generally speaking, plans with lower monthly premiums have higher deductibles and vice versa.
What Do “In-Network” and “Out-of-Network” Mean?
When a doctor, hospital or other care provider accepts your health insurance plan, they are in-network. They may also be called participating providers. If you go to a provider that doesn’t take your insurance, they are out-of-network. The main differences between them are:
- The cost and
- Whether your plan helps pay for care you receive from out-of-network providers.
Different Types of Insurance Plans
Open Access Plus (OAP)
Open Access Plus (OAP) is a Cigna insurance health plan where you are free to choose your health care providers. You may see other medical professionals in the plan’s network without having to get a referral from a primary care physician (PCP) first.
Health Maintenance Organization (HMO)
If you have a Health Maintenance Organization (HMO) health plan, you choose a primary care provider to help coordinate your care. HMOs don’t include out-of-network benefits. If you go to a provider for non-emergency care who doesn’t take your plan, you will pall all costs.
Preferred Provider Organization (PPO)
A Preferred Provider Organization (PPO) health plan has a large network of providers for you to choose from. These plans include out-of-network benefits. They will help pay for care from out-of-network providers, but you usually pay a larger percentage of the cost.
Point of Service (POS)
This is a type of plan in which you will pay less if you use healthcare providers that belong to the plan’s network. They also require you to get a referral from your primary doctor to see a specialist.
Exclusive Provider Organization (EPO)
An EPO is a managed care plan where services are covered only if you use hospitals, doctors, or specialists in the plan’s network, except in an emergency.
Live Free Recovery Services
Live Free Recovery is a state-of-the-art recovery facility with two locations in New Hampshire. We can provide several levels of treatment programs including:
- Inpatient, or residential treatment: In a residential program, you live at the facility and will receive 24-hour medical supervision. This way you are able to focus on your recovery safely and securely, away from the triggers and distractions of your previous life.
- Partial Hospitalization Program (PHP): While this is technically an outpatient program, it still includes an intense level of structured care, comparable to an inpatient program. The difference is that you will return home every evening.
- Intensive Outpatient Program (IOP): In an IOP, you will attend therapy and counseling sessions several days a week for 3 – 5 hours per day.
- Outpatient Program (OP): A standard outpatient program requires fewer hours and days than the other programs. This is a good program for transitioning from a higher level of care.
- Sober Living Program: Sober living residences are perfect for individuals who are completing their treatment but don’t have a stable housing situation to return to. These homes are a safe way to transition back into independent life.
In addition to the multi-level programming, we offer medication-assisted treatment to help with relapse prevention and co-occurring disorders treatment. Unfortunately, it’s common for people who have SUD to also have a mental disorder and it’s important for both disorders to be treated at the same time.
Live Free Recovery is In-Network With Cigna Insurance
Live Free Recovery Services is a comprehensive drug and alcohol treatment facility for men and women in New Hampshire. Our rehab center is happy to be in-network with Cigna Healthcare. Whether you are insured through your employer, or through the ACA healthcare marketplace, our admission counselors are experts at helping you figure out what is included in your coverage and what you may need.
If you or a loved one needs help, we are always available to talk to you. Because this is a big decision, you will surely have a lot of questions. Our staff is made up of experienced professionals who understand the struggle of addiction and know that you need personalized care. And, we all know that the biggest step you can take toward recovery is to contact us today.