California SB 855 requires all state-regulated insurance plans — including Cigna — to cover substance use disorder treatment. Cigna PPO plans sold in California generally cover inpatient residential treatment.
Source: California SB 855; CA Department of InsuranceCigna and California SB 855
Cigna plans regulated by California must comply with SB 855 parity requirements. Cigna cannot impose stricter prior auth requirements, higher cost-sharing, or tighter limits on addiction treatment than on comparable medical care.
What Cigna Typically Covers
Most Cigna PPO plans cover detox, inpatient residential, PHP, and IOP for substance use disorder. Cigna uses its own medical necessity criteria; placement advisors have experience navigating Cigna authorizations.
Verify Your Cigna Benefits
Call (213) 461-2298. A placement advisor will verify your Cigna benefits directly — deductible, coinsurance, prior auth, and estimated out-of-pocket cost. Free, no obligation.