Admissions / Insurance
Mountain View Health verifies your Cigna benefits for free. You get a written breakdown for partial hospitalization, intensive outpatient, and outpatient care.
Cigna at a Glance
Possibly. Whether Cigna pays for outpatient rehab at Mountain View Health depends on your plan, your benefits, and medical necessity. We verify Cigna benefits for free, with no obligation, and send a written breakdown for partial hospitalization, intensive outpatient, and outpatient care.
Verification reports what your plan covers today. It is not a guarantee that a claim will be paid, and your insurer makes the final call.
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About Cigna
Cigna Healthcare is part of The Cigna Group. Many Cigna plans hand the substance use benefit to a separate administrator, and your card or plan documents say which one applies to you. Employer plans, including self-funded ones, can differ from plan to plan.
1 to 2 hours
Usual wait for a written benefits breakdown
Cigna Plan Types
HMO (Health Maintenance Organization)
Requires care from in-network providers and often a referral from a primary care physician.
PPO (Preferred Provider Organization)
Offers flexibility to see in-network or out-of-network providers, with lower costs in-network.
EPO (Exclusive Provider Organization)
Covers in-network providers only, and usually needs no referral.
POS (Point of Service)
Combines HMO and PPO features and generally requires referrals for specialists.
HDHP (High-Deductible Health Plan)
Lower premiums paired with a higher deductible, often combined with an HSA.
How Cigna Covers Substance Use Treatment
According to the Centers for Medicare & Medicaid Services, federal parity law generally stops plans that cover substance use treatment from setting stricter limits on it than on medical and surgical care. Parity applies to substance use treatment but does not guarantee any specific benefit, so your plan documents still decide what you owe.
Plans decide what they cover by medical necessity. For substance use treatment, many use the ASAM criteria, which weigh severity, treatment history, medical needs, and the level of care that fits. Mountain View Health assesses you clinically, and your plan makes the coverage decision.
Our Levels of Care
Whether Cigna pays for a level of care depends on your plan and on medical necessity. Admissions checks your benefits for each level below before you decide anything.
Speak With Admissions25 to 30 hours a week over 5 to 6 days, with daily individual and group therapy. You go home in the evening.
9 to 12 hours a week over 3 to 5 days, with morning, afternoon, and evening tracks. It includes individual therapy and group therapy.
The same 9 to 12 hours a week over secure video, open to adults anywhere in Washington, with daytime and evening tracks.
1 to 3 hours a week over 1 to 3 days, for stable recovery or as a step down from a higher level.
Understanding Out-of-Pocket Costs
A clinic in network for your plan usually costs you less. Verification shows whether Mountain View Health is in network for yours.
What you pay each year before the plan starts paying.
A flat amount you pay for a visit or service.
A percentage of the cost you pay after the deductible.
The most you pay in a plan year for covered, in-network care.
Some plans require prior authorization for partial hospitalization and intensive outpatient care. Admissions tells you what your plan requires when it verifies your benefits. Your plan may also review care while it is underway to decide whether the level of care still fits.
Federal law, including HIPAA and 42 CFR Part 2 for substance use treatment records, limits who can see your treatment records. Benefits verification starts from a secure form.
No-Cost Benefits Verification
Because benefits differ from plan to plan, a verification is the most accurate way to see your Cigna coverage. You submit a secure form, and admissions runs your plan, including its substance use treatment benefit.
Network Status Comes First
Only a contract creates in-network status, and it changes what you owe. Verification tells you where your Cigna plan stands before you commit to anything.
Verification confirms:
There is no cost or obligation for a benefits verification, and it is not a guarantee of coverage.
Common Questions
It depends on your plan, your deductible and out-of-pocket maximum, and the level of care. Few plans pay every cost from the first day. Verification shows what your Cigna plan covers today and what you would owe after that.
Mountain View Health verifies Cigna benefits for free, with no obligation. Network status changes what you owe, and only a contract creates it, so the check confirms where your plan stands before you decide anything.
Many Cigna plans route substance use treatment benefits through Evernorth, and your card or plan documents say which applies. Admissions checks that benefit for partial hospitalization, intensive outpatient, and outpatient care.
You can appeal the decision. Your plan must explain a denial in writing, and the Affordable Care Act gives members the right to an internal appeal and, in many cases, an external review. Ask admissions what your plan will need.
Medication coverage depends on your plan and on how a medication is given. If medication-assisted treatment is part of your plan, a prescriber decides whether it fits, and verification can ask how your plan covers it.
Under the Affordable Care Act, health plans cannot deny coverage or charge you more because of a pre-existing condition, and that includes past substance use treatment.
Sources: HealthCare.gov glossary; Centers for Medicare & Medicaid Services, federal parity law. Benefits vary by plan, and verification is not a guarantee of coverage. See what drives rehab cost in Washington.
Benefits Verification
Benefits verification is free, carries no obligation, and starts from a secure form. Admissions explains what your plan covers so you know your next step.
How The Process Works
Secure Submission
Provide your basic policy info through our secure form. Submitting it is confidential and carries no obligation.
Admissions Review
Admissions checks what your plan covers for partial hospitalization, intensive outpatient, and outpatient care.
Clear Guidance
If your plan can be run, a written breakdown usually arrives within 1 to 2 hours. It is not a guarantee of coverage.