Best Rehabs In-Network or Accepting Cigna
Indiana, USA
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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Tool to find addiction treatment and service providers, recovery housing, and substance use disorder resources.
- Services for Free Healthcare Navigator
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Helps individuals find substance use treatment, recovery housing, peer support groups, clinics, and more.
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A database and helpline to connect individuals with local mental health and substance use disorder treatment and services, as well as other community resources.
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Provides a mental health helpline, support groups, and educational resources for individuals and families.
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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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Provides recovery circles, healthy meals, educational classes, activities, and service opportunities for all members.
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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.
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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.
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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.
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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 Indiana 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.
Compare accredited rehab centers in Indiana. Browse a wide range of drug and alcohol treatment options, including inpatient centers, outpatient centers, detox centers, methadone clinics, support groups, and counseling options.
How we evaluate facilities
Our research team reviews facilities using public data sources, information verified directly by contacting the facility, and information reported by the facility themselves. Whenever possible, we interview the clinical leadership of a facility and perform Secret Shopper calls to understand the patient experience. These inputs, along with data from SAMHSA, accrediting bodies (including Joint Commission and CARF), state licenses, and other sources help complete a full picture of the facility. These data help us develop Trust Score rating for each facility, a simple A+ through E grade helping you understand how likely it is you can trust a facility.
Why trust us
For over 10 years, Start Your Recovery has worked with leading experts in effectively treating substance use issues to offer people a single source of relatable, reliable information at any stage of their recovery journey. To do it, we bring together leading clinicians and experts in substance use prevention treatment and recovery from nonprofit, academic, and government institutions. We have connected more than 3 million people, and are committed to raising the bar for ethical communications that has a positive impact. We are not owned or operated by any treatment facility. We began as a pro-bono project in 2016 and became an independent LLC in 2021.
Important disclaimer
StartYourRecovery.org does not guarantee the quality of treatment of any facility. We cannot independently confirm the accuracy of every data point, and some data points may go out of date and change over time. Our Trust Score is an objective rating that is never influenced by advertiser payment. Please contact us if you would like to make an update to your facility information.