Key Takeaways: Coverage is legally mandated for most plans. The MHPAEA and the ACA together require most health insurance plans to cover substance use disorder
Key Takeaways: Alcohol and benzo withdrawal can be fatal without medical supervision. Seizures and delirium tremens are documented, predictable complications of unsupervised withdrawal—not rare worst-case
Key Takeaways: Abuse and dependence are not the same. Alcohol abuse involves harmful behavioral patterns; dependence involves physical adaptation that makes stopping difficult and, in
Key Takeaways: Detox and rehab are distinct phases of care. Medical detox focuses on safely clearing substances from the body and stabilizing the individual physically.
Key Takeaways: Dependence is not a character flaw. When drug use becomes addiction, the brain’s reward system is neurologically altered. The inability to stop despite
Key Takeaways: Cigna rehab claim denials are common and frequently overturned — the most common reason is a medical necessity dispute, which can be successfully
Key Takeaways: No calendar cap exists. Cigna’s length of stay for rehab is based on medical necessity, not a fixed number of days. Coverage can
Key Takeaways: Prior authorization is standard, not a barrier. Cigna requires pre-authorization for most rehab admissions, but a well-prepared admissions team can secure approval within
Key Takeaways: Cigna is legally required to cover detox comparable to other medical care. Federal mental health parity law prohibits Cigna from applying more restrictive
Key Takeaways: Your out-of-pocket maximum is your ceiling. Once you reach it—typically $3,000–$8,700 for in-network Cigna plans—Cigna covers 100% of remaining approved treatment costs for
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