Best Rehabs In-Network or Accepting Cigna
San Francisco, California
Counselors and therapists can help you identify factors that underly your substance use, to avoid triggers, to strengthen your motivation, and to navigate treatment options. They can also team with certified professionals to administer medication-assisted treatment. More on counseling.
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Offers free and confidential mental health support for families, youth, and young adults via mobile apps.
- Services for Free Healthcare Navigator
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Resource locator for mental health, behavioral health, substance use, and more.
- Services for Free Healthcare Navigator
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Online resource to locate free local resources to help individuals navigate mental health challenges.
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American Psychological Association member psychologists.
- Services for Free Healthcare Navigator Mental Health Support
Support groups provide a space for getting social support, a sense of empowerment, and motivation from people who have faced — or are facing — similar challenges and circumstances. More on support groups.
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Get involved with local non-profits working to change perceptions, policies, and laws to improve the lives of those in the recovery community. Many of these organizations also provide peer recovery support services.
- Services for Free
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Narcotics Anonymous (NA) is a Fellowship for anyone seeking to stop using drugs, including alcohol. NA uses a twelve-step approach focused on spiritual and personal growth steps for lasting sobriety.
- Services for Free
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Alcoholics Anonymous (A.A.) is a Fellowship aimed at helping alcoholics achieve sobriety through the twelve-step approach to recovery. Shared experiences and a structured, spiritual approach are central to A.A.
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SMART Recovery is a secular recovery community that uses mutual support and focuses on self-empowerment to help participants gain independence from triggering behaviors.
- Services for Free
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The Oxford House is a shared drug and alcohol-free residence for those in recovery from substance use disorder.
How to Choose a Rehab in San Francisco If You Have Cigna
Finding the right treatment can be overwhelming, but your Cigna insurance can make it easier to choose care. Most Cigna plans cover life-saving addiction services.
Note: Cigna’s behavioral health and substance use benefits can be administered through Evernorth Behavioral Health, so you may see the Evernorth name on your member ID card or portal.
What does your specific Cigna plan cover for addiction treatment?
Most Cigna plans cover addiction treatment, but benefits vary. Knowing which type of plan you have can help you narrow your search for the right type of care. Coverage can come through your employer, the ACA marketplace, Medicare Advantage, or Medicaid, and most Cigna plans use one of the network types below. Network types determine which providers you can use and if you need a referral for specific services.
| Plan Type | Out-of-Network Coverage | Is A Referral Required? | What Does This Mean for How to Choose Care? |
|---|---|---|---|
| PPO (Preferred Provider Organization) | Yes but generally at a higher cost | No | Offers a lot of flexibility to choose programs outside your area but out-of-network care usually costs more and may include "balance billing" (you pay the difference between what the provider charges and what the plan will cover). |
| HMO (Health Maintenance Organization) | No (except emergencies) | Yes | You must choose an in-network provider and out-of-network is probably not covered at all, except for emergency care. |
| EPO (Exclusive Provider Organization) | No (except emergencies) | No | Treatment is only covered if it is in-network (except for emergency care) and you usually don’t need a referral. |
| POS (Point of Service) | Yes but generally at a higher cost | Yes | Combines components of HMO and PPO plans. You might need a referral for out-of-network care, and you may need to submit out-of-network claims yourself. |
What does Cigna cover for rehab?
Cigna reviews your care needs and your plan to make insurance coverage decisions just like they would for other medical needs, such as a heart condition or diabetes. Because of federal parity law, coverage for addiction treatment cannot be more restrictive than coverage for other medical needs.
Coverage through Cigna is determined plan by plan and state by state. The following aspects of coverage usually vary by plan and state:
- Deductibles, copays, and coinsurance
- Note: Any plan can have a deductible.
- Prior authorization needs
- How long treatment is approved for
- Differences in coverage for levels of care
- Medication coverage for MAT (usually controlled by your plan’s prescription drug list and may involve prior authorization, step therapy, or quantity limits)
- Out-of-pocket maximums that put a cap on how much you pay
It is also important to determine how your Cigna plan would apply to the facilities you are interested in. If you reach out, a majority of rehabs will verify benefits for you for no cost and they can tell you whether the program is in network, what your potential costs could be, and if there are any limitations on length of stay for treatment.
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Compare accredited rehab centers in San Francisco. Browse a wide range of drug and alcohol treatment options, including inpatient centers, outpatient centers, detox centers, methadone clinics, support groups, and counseling options.
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