Insurance · Cigna & Evernorth
Using Cigna insurance for addiction treatment in Maine
In-network provider
Portland Treatment is contracted in-network with Cigna. We verify your specific plan's benefits, authorization requirements and expected cost before you start.
Portland Treatment is in-network with Cigna for outpatient addiction treatment in Biddeford, Maine. Your covered care is billed at your plan's contracted in-network rate. Our admissions team verifies your specific Cigna or Evernorth benefits, any prior authorization requirements, and your deductible and cost share before treatment begins. Here's how coverage works and what determines your cost.
- Network status
- In-network with Cigna
- Levels covered
- PHP · IOP · OP · MAT
- Verification time
- Usually the same day
Accredited & Licensed
LegitScript Certified
Joint Commission Accredited
Maine DHHS Licensed
Psychology Today Verified
What's covered
What Cigna typically covers at Portland Treatment
Cigna treats substance use disorder as a medical condition, and parity law requires comparable coverage to physical health care. We bill covered services to Cigna at the contracted in-network rate, and we tell you the expected cost in writing before you start:
Partial Hospitalization (PHP)
Our most structured outpatient level, full days of clinical programming. Cigna plans typically cover PHP with prior authorization, which our admissions team requests for you.
More about partial hospitalization (php)Intensive Outpatient (IOP)
Three to five sessions a week, mornings or evenings, so you can keep working. IOP is the most commonly authorized level of care under Cigna behavioral health benefits.
More about intensive outpatient (iop)Outpatient Program (OP)
Weekly individual and group therapy for step-down and long-term maintenance. Usually the lowest-cost level under a Cigna plan.
More about outpatient program (op)Medication-Assisted Treatment (MAT)
Buprenorphine, naltrexone and related medications, billed through your medical and pharmacy benefits. Coverage and preferred formulary vary by Cigna plan.
More about medication-assisted treatment (mat)Dual diagnosis care
Depression, anxiety, PTSD and bipolar disorder treated alongside substance use, one treatment plan, one set of clinicians, billed under your behavioral health benefit.
More about dual diagnosis careDetox placement
We don't run a detox unit. We coordinate placement with licensed Maine detox providers and confirm they take your Cigna plan before you go.
More about detox placementPlan details
Know which Cigna plan you actually have
Which Cigna product you have shapes networks, referrals and how much of the cost lands on you.
Open Access Plus (OAP)
An employer plan with flexible provider access. We verify your in-network outpatient benefits and any authorization requirements before treatment.
LocalPlus and HMO plans
These products have specific network and referral requirements. We confirm your exact plan's network eligibility and authorization requirements before you commit to treatment.
Cigna + Oscar and marketplace plans
Individual coverage with substance use treatment as an essential health benefit, often paired with a high deductible.
Evernorth behavioral carve-outs
Most Cigna behavioral health claims route through Evernorth, with its own authorization process for intensive levels of care.
What you'll pay
What determines your out-of-pocket cost
Because we're in-network with Cigna, covered care uses contracted rates. Your actual cost depends on your specific benefits. These are the factors:
- Your specific Cigna plan's outpatient behavioral health benefits and coverage for the recommended level of care.
- Your remaining in-network deductible and copay or coinsurance.
- Whether Cigna or Evernorth requires prior authorization for PHP or IOP.
- The number of treatment days or sessions authorized by your plan.
- Your in-network out-of-pocket maximum and how much you have already paid toward it this plan year.
How verification works
- 1. You call or submit. We take your Cigna member ID and date of birth, nothing more invasive than that.
- 2. We call the plan. Our team gets the behavioral health benefit read directly from Cigna Healthcare / Evernorth Behavioral Health, in writing.
- 3. You get a real number. Deductible remaining, coinsurance, authorization requirements and an estimated cost per week, before you commit.
- 4. We handle the rest. Prior authorizations, concurrent reviews and appeals are our job, not yours.
Southern Maine
Using Cigna coverage close to home
Cigna is common among Maine employees of national companies, and we regularly work with clients commuting to our Biddeford campus from Portland, South Portland, Scarborough, Saco and Kennebunk. Outpatient care close to home is also easier to authorize than distant residential placement, which works in your favor clinically and financially.
Our admissions team verifies your Cigna or Evernorth in-network benefits, handles required authorizations, and gives you a written cost estimate before your first session. If cost is a concern, we'll discuss your options openly before you enroll.
Cigna coverage questions
- Is Portland Treatment in-network with Cigna?
- Yes. Portland Treatment is in-network with Cigna. We verify your specific plan's coverage, deductible, copay or coinsurance and any authorization requirements before treatment begins.
- Does Cigna cover rehab?
- Yes, Cigna covers substance use disorder treatment including PHP, IOP, outpatient therapy and medication-assisted treatment through Evernorth Behavioral Health. Portland Treatment is in-network with Cigna; coverage for your recommended program is subject to your specific plan's benefits and authorization requirements.
- What is Evernorth and why is it on my Cigna card?
- Evernorth is Cigna's behavioral health division. Mental health and substance use claims and authorizations typically go through Evernorth even though your card says Cigna.
- Does Cigna require prior authorization for IOP or PHP?
- Usually yes for PHP, and often for IOP. We complete the assessment and submit the request, then manage concurrent reviews so treatment isn't interrupted.
- Does Cigna cover Suboxone and other MAT medications?
- Yes, subject to formulary rules and sometimes prior authorization. We verify your pharmacy benefit alongside your behavioral health benefit.
- How quickly can I start treatment with Cigna coverage?
- Most Cigna verifications come back the same day, and admission usually follows within a few days, often within twenty-four hours when clinical urgency warrants it.
- Is Cigna telehealth addiction treatment covered in Maine?
- Cigna covers virtual behavioral health broadly, including many outpatient and IOP services delivered by telehealth. We confirm your specific plan's telehealth terms during verification.
Coverage details described here are general and change by plan year and plan design. Nothing on this page is a guarantee of benefits or payment. The only way to know your coverage is a benefit verification on your specific policy.
Other plans we work with
Keep exploring
Using Cigna at Portland Treatment
Programs your plan may cover
- Partial hospitalization program (PHP) in Biddeford
Our most structured day treatment, five days a week, home each night.
- Intensive outpatient program (IOP) in Southern Maine
Nine-plus clinical hours a week with day and evening tracks.
- Virtual IOP for anywhere in Maine
The same IOP curriculum by secure telehealth, statewide.
- Outpatient program (OP) for ongoing recovery
One to two sessions a week that fit around work and family.
Other plans we accept
- Anthem coverage for rehab in Maine
What Anthem BCBS typically covers for PHP, IOP and OP.
- MaineCare (Medicaid) addiction treatment coverage
MaineCare members are welcome here.
- UMR coverage for addiction treatment
UMR/UnitedHealthcare plans and outpatient rehab.
- Harvard Pilgrim coverage for rehab
A common New England plan for Maine members.
Helpful reading
- Does insurance cover rehab?
Coverage, costs and what to ask your plan.
- Working during rehab
Evening IOP, FMLA and keeping your job in treatment.
- Maine recovery resources directory
Local meetings, crisis lines and state programs.
- All Southern Maine areas we serve
Every city and town within driving distance of Biddeford.
Find out what Cigna covers
today
855-449-7674Answered 24 hours a day, 7 days a week. Free and confidential.