Does Cigna cover therapy?

Yes. Cigna plans cover mental health care, including therapy, psychiatry and medication. Cigna's behavioral health benefits are managed by Evernorth Behavioral Health, part of The Cigna Group, so you may see that name on letters or claims. For routine outpatient visits, like weekly therapy with an in-network provider, Cigna generally doesn't require prior authorization. What you pay depends on your plan's copay, coinsurance and deductible.

What does Cigna cover for mental health?

Most Cigna medical plans include:

• Outpatient therapy with licensed therapists, counselors, social workers and psychologists
• Psychiatry: evaluations and medication management
• Prescription medications through your plan's drug list (often managed by Express Scripts, also part of The Cigna Group)
• Higher levels of care such as intensive outpatient, partial hospitalization and inpatient programs, which usually need pre-authorization
• TMS and Spravato for treatment-resistant depression when you meet Cigna's medical criteria, with prior authorization

Coverage details differ between employer plans, individual plans and Cigna Medicare plans, so check your own plan's summary of benefits.

How do I find a Cigna therapist or psychiatrist?

• Search the directory: log in to myCigna (website or app) to see in-network behavioral health providers that match your plan, or use Cigna's public provider directory.
• Get help finding someone: Cigna offers Personal Advocates who can help find in-network behavioral health providers, check availability and answer coverage questions, by phone or chat through myCigna.
• Use the number on your card: the behavioral health or member services number on your Cigna ID card can explain your benefits and point you to providers.

If you have a Cigna Employee Assistance Program (EAP) through work, call it first. EAPs often include a few free counseling sessions, and Cigna recommends starting there so you get the most out of your benefits.

Does Cigna cover online therapy?

Most Cigna plans cover video visits with in-network therapists and psychiatrists, and many in-network providers offer them. Your cost for a virtual visit is usually the same as or lower than an in-person visit; check your plan.

How much does therapy cost with Cigna?

It depends on your plan. With a copay plan you pay a set amount per visit. With a deductible plan you may pay Cigna's negotiated rate until the deductible is met, then coinsurance. In-network providers cost much less than out-of-network ones. See how much does therapy cost for typical prices.

Does Cigna cover out-of-network therapy?

Some Cigna plans, such as Open Access Plus plans with out-of-network benefits, partly reimburse out-of-network therapists after you meet a separate deductible. You pay the therapist and file a claim with an itemized receipt. Many other Cigna plans only cover in-network care except in emergencies.