In-Network Partial Hospitalization Program Programs in Florida That Accept Cigna
If you're looking for Partial Hospitalization Program in Florida and have Cigna, you're already ahead—knowing your insurance matters. This page shows you facilities that are in-network with Cigna, which typically means lower out-of-pocket costs for you. We can't tell you exactly what your plan covers (that depends on your specific benefits), but we can help you find the right places to call.
How Cigna Coverage Works for Treatment
What in-network means and why it matters for your costs
When a treatment center is in-network with Cigna, they've agreed to accept Cigna's negotiated rates. That's good news for you—it means Cigna typically covers a bigger portion of the cost. You'll usually pay less in copays, and everything counts toward your in-network deductible and out-of-pocket maximum.
About Cigna Networks
Cigna's behavioral health benefits are managed through Evernorth Behavioral Health (you might still see it called Cigna Behavioral Health on older materials). They have a solid network of treatment facilities, and most Cigna plans include mental health and substance use coverage. Your plan type matters—PPO plans give you more provider choices.
In-Network Benefits
- ✓Lower copays and coinsurance rates
- ✓Pre-negotiated service rates
- ✓Counts toward in-network deductible
- ✓Streamlined billing process
Out-of-Network Considerations
- •Higher out-of-pocket costs
- •Separate deductible may apply
- •Balance billing possible
- •May require single case agreement
Prior Authorization Requirements
If you're looking at Partial Hospitalization Program with Cigna, you'll likely need prior authorization. Don't let that term intimidate you—it just means Cigna reviews clinical information to confirm the treatment is appropriate. Facilities do this all the time and usually have dedicated staff to navigate the process. Ask about it when you call.
For residential, PHP, or IOP, you'll need prior authorization. Cigna reviews clinical information to make sure the level of care matches your needs. Facilities usually handle this, but ask about timelines when you call.
Understanding Partial Hospitalization Program in Florida
Understanding your treatment options
Partial Hospitalization Program(PHP)
Outpatient ProgramPHP is like residential treatment in terms of intensity, but you go home at night. You'll spend most of the day at the facility—typically 5-6 hours, 5 days a week—in therapy sessions, groups, and skill-building activities. It's a good option if you've completed detox or residential and need to step down, or if you need intensive support but have stable housing and can maintain sobriety outside of treatment hours.
2-4 weeks
20-30 hours
- People transitioning from residential treatment who aren't ready for less support
- Those who need intensive help but have a stable, safe home
- Individuals who can stay sober overnight without 24/7 supervision
- People with family responsibilities who need to be home in the evenings
Who decides what level of care is right?
When you call a treatment facility, they'll do an assessment to understand your situation— things like what substances you're using, how long, medical history, mental health, and your support system. Based on that, they'll recommend a level of care. Your insurance company also has a say—they use clinical criteria (like ASAM for substance use) to decide what they'll cover. Sometimes there's back-and-forth between the facility and insurance to find the right fit.
Getting Treatment in Florida: A Step-by-Step Guide
How to actually use your insurance to pay for treatment
Using your insurance with Cigna for treatment in Florida can feel complicated, but it doesn't have to be. Here's a straightforward breakdown of how to go from "I need help" to actually starting treatment—and what to expect along the way.
Florida Regulations
Florida has specific Baker Act provisions for mental health treatment.
From "I Need Help" to Starting Treatment
- 1Call your insurance (yes, really)
I know—nobody wants to do this. But call the behavioral health number on your card and ask: "What's my coverage for substance use or mental health treatment?" Ask about your deductible, what levels of care are covered, and what prior authorization means for your plan.
- 2Find in-network facilities
That's what this site is for. Search for facilities in Florida that are in-network with your insurance. When you find ones that look promising, call them to confirm they're still in-network (things change) and ask about availability.
- 3Let the facility handle authorization
For anything beyond basic outpatient therapy, your insurance will probably need to approve treatment first. Good news: the facility usually handles this. Their admissions team will submit clinical info to your insurance. This can take 1-3 days.
- 4Start treatment
Once authorization comes through, you can start. Just know that your insurance may continue reviewing throughout treatment (called "concurrent review") to decide if you should continue at that level of care. Your treatment team will handle those conversations too.
Can I Do Treatment Online?
Some of it, yes. Telehealth has expanded a lot—especially for individual therapy, psychiatric appointments, and even some IOP groups. If you live in a rural part ofFlorida or have scheduling constraints, virtual options might help. But for more intensive care like residential or detox, you'll need to be there in person.
Telehealth Options
- Individual therapy sessions
- Psychiatric appointments
- Some IOP groups
- Medication management
In-Person Required
- Medical detoxification
- Residential treatment
- Most PHP programs
- Some clinical assessments
What If I Want Treatment in a Different State?
Some people prefer to travel for treatment—to get away from their environment, or because a specific program isn't available in Florida. That's totally valid. But here's what you should know:
- Network status varies by state — A provider in-network in one state may be out-of-network in another.
- Prior authorization may differ — Requirements may change for out-of-state care.
- Continuity of care planning — Consider how you'll transition back to local providers after treatment.
Treatment Programs Accepting Cigna in Florida
1 facility found matching your criteria
These facilities in Florida are in-network with Cigna—at least according to our records. Networks change, though, so please confirm directly with any facility before making decisions. Click through to their websites or give them a call.
1st Step Behavioral Health
Accepted Insurances:
Please verify directly: Network status and availability can change. Contact each facility to confirm they are currently accepting patients and are in-network with your specific plan.
What to Ask When Contacting a Program
Be prepared with the right questions
That first phone call to a treatment facility can feel intimidating. Here's the thing: the people answering are usually experienced at helping nervous callers navigate this process. You don't need to have all the answers—just your insurance card and a basic idea of what's going on. But it helps to know what questions to ask them:
- 1Are you currently in-network with my Cigna plan? (Give them your insurance ID and group number)
- 2Can you verify my benefits and tell me roughly what my out-of-pocket costs would be?
- 3Do you handle the prior authorization process, or do I need to call my insurance first?
- 4Do you have availability right now? How long is the wait for admission?
- 5What does a typical day look like in your program?
- 6What credentials do your therapists and counselors have?
- 7Do you offer medication-assisted treatment (like Suboxone or Vivitrol) if that's appropriate for me?
- 8What happens after I complete your program? Do you help with aftercare planning?
- 9Can my family be involved in my treatment?
- 10What happens if my insurance stops approving coverage before I'm clinically ready to leave?
- 11Do you treat people with both addiction and mental health issues at the same time?
- 12How do you customize treatment plans for each person?
Before You Call
- Have your insurance card ready
- Know your policy number and group number
- Be ready to briefly describe the situation
- Have pen and paper for notes
What Intake May Ask You
- What substances or symptoms are involved
- History of prior treatment attempts
- Current medications
- Timeline for when help is needed
Here's something important to remember: calling a facility doesn't commit you to anything. You can (and should) call multiple places to compare options. The intake team is there to help you figure out if their program is right for your situation. If it's not the right fit, a good facility will tell you honestly and may even suggest alternatives.
"The only person you are destined to become is the person you decide to be."