Recreate Life Counseling provides partial hospitalization (PHP) and intensive outpatient (IOP) treatment for substance use and mental health in Boynton Beach, Florida. If you have Cigna, this page explains how Cigna covers addiction and mental health treatment, how your plan type affects your cost, and how to get a real number before you start.
Our admissions team verifies Cigna benefits for free. Network status depends on your specific plan, so we confirm it during the benefits check and give you a written estimate before you commit to anything.
Does Cigna cover addiction treatment?
Yes. Cigna health insurance plans cover substance use disorder treatment when it is medically necessary. The Affordable Care Act lists mental health and substance use services as essential health benefits, and federal parity law stops plans from limiting that care more strictly than medical or surgical care.
Cigna’s behavioral health benefits are managed through Evernorth Behavioral Health, part of Cigna’s Evernorth health services business. You may see either name on authorization letters or in your plan documents. It is the same coverage.
How much Cigna pays depends on four things:
- Your plan type (HMO, OAP or PPO)
- Whether the program is in your plan’s network
- Whether the level of care is medically necessary
- Whether pre-authorization was obtained where the plan requires it
Types of treatment Cigna covers
Cigna covers the full range of care, from detox to outpatient therapy. Recreate provides the outpatient levels. If you need medical detox or inpatient rehab first, our admissions team refers you to a partner program and brings you into ours when you are ready to step down.
| Level of care | Typical Cigna coverage | At Recreate |
|---|---|---|
| Medical detox services | Covered when medically necessary | Referral to a partner detox |
| Inpatient and residential inpatient rehab | Covered when medically necessary, with authorization | Referral |
| Partial hospitalization programs (PHP) | Covered, usually with authorization | Yes |
| Intensive outpatient programs | Covered, sometimes with authorization | Yes |
| Individual therapy, group therapy and family therapy | Covered | Yes |
| Medication-assisted treatment (MAT) | Covered, with medications usually billed to your pharmacy benefit | Coordinated with prescribing providers |
| Relapse prevention and aftercare planning | Covered as outpatient care | Yes |
Treatment at Recreate is trauma-informed and evidence-based, built on cognitive behavioral therapy (CBT), dialectical behavior therapy, motivational interviewing and family involvement.
Coverage for co-occurring disorders
Many people who come to treatment for addiction also live with anxiety, depression, trauma or another mental health condition. Cigna’s mental health and substance abuse coverage treats these together under one behavioral health benefit, so dual diagnosis treatment does not need a separate approval process.
At Recreate, integrated care means the same team treats both. Your plan can include CBT, DBT and trauma-focused therapies, along with psychiatric evaluation and medication management coordinated with your prescriber. Ongoing mental health support continues into aftercare, because untreated symptoms are one of the most common reasons people relapse.
In-network vs. out-of-network: HMO, OAP and PPO plans
An in-network provider has a contract with Cigna that sets the rate and limits what you can be billed. Out-of-network providers have no contract, so your plan pays less, or nothing, and the provider can bill you the difference. How much that matters depends on your plan type.
| Plan type | In-network | Out-of-network |
|---|---|---|
| Cigna HMO plans | Covered after copays. Some plans need a referral. | Not covered except in emergencies |
| Cigna Open Access Plus (OAP) plans | Covered, no referral needed | Covered only if your OAP plan includes out-of-network benefits |
| Cigna PPO plans | Covered at the plan’s highest level | Covered at a lower level with a separate, higher deductible |
Network restrictions also apply when you travel for treatment. Cigna’s network is national, so out-of-state rehab coverage often works the same way as care at home, but your plan’s documents are what decide it.
When a plan’s network has no suitable program available, a provider can request a single case agreement (SCA), a one-time agreement that lets an out-of-network program treat one member at in-network cost. SCAs are decided case by case, and our admissions team will tell you if one could apply.
Insurance verification and costs
Your out-of-pocket expenses come from your plan’s cost sharing:
- Deductibles: the amount you pay each year before the plan pays.
- Copayments and coinsurance: a flat fee per day or session, or a percentage of the allowed amount.
- Out-of-pocket maximum: the most you pay in a plan year for covered in-network care. A full PHP and IOP course often reaches it.
- Limitations or exclusions: anything your plan does not cover, such as recovery housing rent, listed in your summary of benefits and coverage.
Most people with Cigna have employer-sponsored health plans. If you bought your plan through the Affordable Care Act (ACA) marketplace, it will also carry a metal tier (Bronze, Silver, Gold or Platinum). Higher tiers usually have lower deductibles, but the rules above still apply.
To check your benefits:
- Have your Cigna insurance card ready.
- Call us or complete the confidential form on this page.
- We contact Cigna to confirm active coverage, network status, coverage policies for PHP and IOP, your deductible and cost sharing, and any pre-certification needed. If your plan reviews your claims history or prior treatment, we handle that too.
- You get a written estimate before you agree to anything.
- If you move forward, we complete a clinical assessment, request authorization and schedule your start date.
You can also check your own coverage through the myCigna website or by calling the behavioral health number on your card. Ask whether Recreate Life Counseling in Boynton Beach, Florida is in network for your plan, and what your benefits are for partial hospitalization and intensive outpatient treatment.
Cigna addiction resources and support
Beyond treatment coverage, Cigna and Evernorth offer members online resources, behavioral coaches and case management for substance use and mental health. These can help you find support groups, learn about addiction counseling and decide on the right level of care. They are useful alongside a treatment program, not a substitute for one.
Choosing a rehab that accepts Cigna
- Accreditation and licensing. Look for Joint Commission or CARF accreditation and a current state license. Recreate Life Counseling is accredited by The Joint Commission and licensed by the Florida Department of Children and Families.
- Clinical depth. Ask which therapies are used, who delivers them, and how co-occurring conditions are treated.
- The right level of care. A good program assesses you first and recommends what you need, not the most expensive option.
- A written estimate before you arrive.
Frequently asked questions
Does Cigna cover rehab? Yes, when treatment is medically necessary. Your plan type and network status decide how much you pay.
Do Cigna PPO plans cover out-of-network treatment? Usually, at a lower level and with a separate deductible. HMO plans generally do not.
Does Cigna require pre-authorization? Most plans require it before PHP begins, and some require it for IOP. We obtain it before your first day.
How long will Cigna cover treatment? There is no fixed length of treatment. Coverage continues while care remains medically necessary, and Cigna reviews progress during treatment.
Does Cigna cover mental health treatment without a substance use problem? Yes. PHP and IOP for depression, anxiety and trauma are covered under the same benefit.
What if Cigna denies coverage? You can appeal. Our admissions team can explain the next step and support it with clinical documentation.
Written by: The Recreate Life Counseling Editorial Team
Published on: March 31, 2019
Updated on: November 11, 2026
