Insurance · Cigna
Does Cigna cover outpatient rehab in Maryland?
Short answer: most Cignacommercial plans cover PHP, IOP, and dual-diagnosis outpatient addiction treatment. We verify your specific plan and tell you what you’ll actually pay before you commit.
What Cigna typically covers.
Cigna behavioral-health benefits are administered through Evernorth (the rebranded Cigna Behavioral Health network). Outpatient addiction treatment is a standard covered benefit on commercial plans.
What you can typically expect:
- Partial Hospitalization Program (PHP)
- Intensive Outpatient Program (IOP)
- Outpatient individual and group therapy
- Dual-diagnosis treatment
- Medication management when clinically indicated
Copay, coinsurance, deductible, and out-of-pocket maximum depend on your specific plan. We pull all of it during benefits verification.
How we verify your Cigna benefits.
You give us your member ID and date of birth. We pull your behavioral-health benefits directly with Evernorth. If prior authorization is required, we handle it.
Then we sit down with you (over the phone, usually) and walk through what your plan actually covers, what you’d pay, and what authorization timelines look like. No agency-speak, no fine print, no last-minute surprise bills.
Common questions.
Does Cigna cover outpatient rehab in Maryland?
Most Cigna commercial plans cover outpatient addiction treatment, including PHP, IOP, and dual-diagnosis. Glass House Recovery is licensed in Maryland and accepts most Cigna plans. We verify your specific plan before scheduling intake.
Does Cigna use a separate behavioral-health benefit structure?
Cigna behavioral-health benefits are administered by Cigna Behavioral Health (Evernorth Behavioral Health). The copay, coinsurance, and prior-authorization requirements may differ from your medical benefits. We pull both during verification.
Does Cigna cover PHP and IOP both?
Yes — both PHP and IOP are standard behavioral-health benefits on most Cigna commercial plans. Coverage details vary by plan tier and by whether services are in-network.
What about prior authorization?
Cigna typically requires prior authorization for PHP and sometimes for IOP. We handle the auth process directly with Evernorth — you don’t need to navigate it yourself.
Will I owe a deductible?
Behavioral-health services usually run through your medical deductible on Cigna plans, though some plan designs separate them. We’ll tell you exactly where you stand financially before you commit.
Verify your Cigna benefits.
One short message. We come back with a clear coverage breakdown — usually same business day.