IOP Program or Cigna Partial Hospitalization (PHP) & Intensive outpatient (IOP) help for drug and alcohol addiction is available near you. Your family is in a crisis. You or a loved one are in the middle of a horrific drug or alcohol addiction and you don’t know where to turn. The last thing you should worry about is whether your treatment is covered by your Cigna health insurance, but it is a question that has to be answered