Millions of Americans are affected daily by behavioral health issues, encompassing substance use disorders (SUDs) and mental health conditions like anxiety, depression, or post-traumatic stress disorder (PTSD). 7 Summit Pathways in Tampa, Florida, offers accessible, affordable treatment for substance use disorders and co-occurring mental health conditions by working with several major insurance providers, including Cigna insurance.
In many cases, individuals suffering from a substance use disorder will also struggle with their mental health, and vice-versa, a condition known as dual diagnosis or co-occurring disorders. If you or a loved one are caught in the cycle of addiction, either with or without a co-occurring disorder, a professional addiction treatment center can help.
Professional addiction treatment can be costly—our goal is to help you understand your coverage and explore the range of payment options available so you can access the care and treatment you need. Call 813.212.7149 today to learn more or begin the Cigna insurance benefits verification in Tampa, Florida, at 7 Summit Pathways.
Steps for Confirming Cigna Insurance Coverage for Behavioral Health
At 7 Summit Pathways, we aim to provide individualized treatment for each patient’s specific needs and recovery goals. To help facilitate that process, you should confirm your eligibility and coverage for behavioral health services with your Cigna insurance representative before enrolling in treatment. Each insurance company has its own policies and procedures, so be sure to review your policy details. Here are the steps to take:
Understand Your Policy
The first step is to familiarize yourself with your Cigna insurance policy. Look for information related to behavioral health services, such as deductibles, co-insurance, and co-pays for outpatient and inpatient services, and any limitations on the number of visits.
Next, reach out to Cigna directly. You can call the number on the back of your insurance card and ask about your policy’s coverage for behavioral health services. Be sure to take notes and get the representative’s name for future reference.
Ask Detailed Questions
During your conversation with the Cigna representative, ask specific questions about what types of services are covered (therapy sessions, medication, hospitalization, etc.) and whether pre-authorization is needed for any services.
Document the Coverage Details
After your conversation, document all the information about your coverage. This record will be useful for future reference and in case of discrepancies later on.
At 7 Summit Pathways, we are ready to answer any questions concerning insurance coverage and payment options. While we work closely with many insurance providers, it is possible that your claim could be denied.
The Appeal Process for Denied Cigna Insurance Claims
Sometimes, your coverage may be denied. Should Cigna deny your behavioral health claim, you have the right to appeal the decision.
- Understand the reason for denial – Review the explanation of benefits (EOB) document from Cigna to understand why your claim was denied.
- Prepare your appeal – Gather all necessary supporting documents, including medical records, a letter from your healthcare provider explaining why the service was necessary, and any correspondence with Cigna.
- Submit your appeal – Submit your appeal letter and supporting documents to Cigna. Make sure to keep copies of everything you send and note the date of submission.
- Follow up – After submitting your appeal, follow up with Cigna to ensure they received it and to check on the status of the appeal. If the appeal is denied, you may have additional rights to appeal, including a right to an external review.
7 Summit Pathways is happy to help with the process of Cigna insurance verification. Still, you should first contact Cigna if you have any questions about your policy and to find out how much of your treatment costs would be covered.
Contact 7 Summit Pathways Today for Cigna Insurance Verification
It can be hard to take that first step and seek help for a substance use disorder. For many, the perceived cost of treatment is the biggest obstacle. 7 Summit Pathways works closely with insurance providers like Cigna to help make treatment accessible and affordable.