Guardian IOP’s care facilities in Portland, Maine and Delray Beach, Florida offers Intensive Outpatient Programs (IOP) for recovery from drug and alcohol addiction. Our award-winning programs offer structure and programming similar to residential treatment facilities, while allowing clients to return to their home, or a sober living facility, each evening. Choosing an IOP over inpatient care is not for everyone, but many clients find Intensive Outpatient Programs can be a much less expensive option than residential treatment, either due to lower total costs, or because they allow the client freedom to continue with work obligations while in addiction treatment.
In some cases, an outpatient program may be required before your insurance provider will extend benefits to cover residential treatment. Outpatient programs also tend to have less restrictive referral requirements, meaning that it’s highly likely that your Cigna health insurance plan will help mitigate the out-of-pocket costs of your care. The quickest and most assured way to verify your health insurance benefits and payment options, is to contact a Guardian IOP Recovery Specialist who can help you understand your specific Cigna health plan. Cost should never be a barrier to life-changing treatment, and both Guardian IOP and Cigna Health Insurance understand that. It is our goal to get you into treatment as quickly and affordably as possible.
Cigna Health Insurance covers nearly 16 million Americans worldwide, and the Cigna Behavioral Health benefits, which includes substance abuse recovery, offers a network of 122,000 medical doctors and mental health care professionals at over 14,000 care facilities worldwide. Cigna Behavioral Health benefits extend to Intensive Outpatient Programs, such as Guardian IOP and cover group, individual, and family therapy. Cigna understands that these programs involve frequent visits – multiple times per week – and that each treatment may span 3-4 hours.
Programs associated with your Guardian IOP treatment plan may include group and individual therapy, family therapy, cognitive behavioral therapy and dialectical behavioral therapy, as well as relapse prevention training. In addition to your substance abuse treatment, you may seek counseling for a variety of stressful and challenging co-occurring situations including depression, PTSD, anxiety and anger issues, and loss and grief. Your Cigna Behavioral and Mental health benefits are designed to cover these programs. Behavioral Health benefits are included in each of Cigna’s employer-based plans, and by law, are also included in individual plans issued through the healthcare marketplace.
Your Cigna benefits will vary according to your plan documents. Typically, your plan will have a deductible, which is the amount you must pay before your insurance kicks in. Cigna has no separate deductible for substance misuse treatment. A copayment (copay) is the amount you may need to pay for any one service or medication. Coinsurance is the percentage of costs that your insurance provider will cover after you’ve paid your deductible and copayment. While navigating the details of your health insurance plan may seem overwhelming, determining your out-of-pocket responsibility can be as easy as a 20-minute phone call to one of our pre-admissions specialists.
Cigna Open Access Plus or Preferred Provider Organization (PPO) plans offer the least restrictions on selection of care providers, while Cigna Exclusive Provider Organization (EPO) or Cigna Health Maintenance Organization (HMO) plans, may require you to see an in-network provider to ensure your benefits are maximized. Some plans may require pre-authorization or a referral from your primary care provider. A Guardian IOP pre-admissions specialist can ensure that an IOP program is right for you, advise you of what your Cigna plan will cover, and explain any referral or authorization requirements, all within a confidential phone call.
If you or someone you love is struggling with drug addiction or alcoholism, don’t hesitate any longer. Guardian IOP is here to help, regardless of where you are in your journey to long-term recovery. We’re committed to helping our clients as they navigate the entire continuum of care and acquire the skills they need to lead fulfilling, healthy lives in recovery. A Guardian IOP Recovery Specialist can help you understand your Cigna Health Insurance plan and determine your financial responsibilities, if any. We are here for you 24 hours per day to verify your benefits. Recovery can’t wait. Contact us online or call 877-412-9068 for assistance with admissions or questions about our Delray, Florida or Portland, Maine locations.