Insurance

Cigna Therapy Coverage: Everything You Need to Know About Your Insurance

The need for comprehensive therapy coverage has become a pressing issue today. Mental health resources should be treated with the same urgency as physical care. Yet, some insurance companies continue to overlook this area of healthcare.  Amid these challenges, hope emerges through Cigna Healthcare. With Cigna therapy coverage, finding a compatible therapist has never been […]

derek lee grow therapy By Derek Lee, VP of Insurance Operations

Updated on Feb 27, 2024

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The need for comprehensive therapy coverage has become a pressing issue today. Mental health resources should be treated with the same urgency as physical care. Yet, some insurance companies continue to overlook this area of healthcare. 

Amid these challenges, hope emerges through Cigna Healthcare. With Cigna therapy coverage, finding a compatible therapist has never been easier. 

Find out how Cigna provides more affordable access to high-quality mental health services, how to check your coverage, and how much you can expect to pay with Cigna therapy coverage.

Does Cigna Cover Mental Health Services?

Cigna Healthcare is a global insurance provider offering comprehensive medical, dental, pharmacy, and behavioral health coverage. Through its mission of improving the health and vitality of those they serve, Cigna aims to provide more convenient and affordable coverage to people worldwide. 

Health insurance has long been a valuable resource in providing coverage for various healthcare needs. However, the focus of insurance coverage has traditionally centered around physical health. That is, up until a shift in recent years. 

Cigna understands the significance of mental health and recognizes the effectiveness of therapy as a valuable tool for addressing and managing mental health conditions. Working in collaboration with their network of mental health providers, Cigna creates an easy process whereby individuals can address mental health issues.

Benefits of Cigna insurance plans include:

With Cigna health benefit plans, individuals gain the advantage of streamlined referrals and comprehensive coverage for behavioral health treatment, highlighting their dedication to supporting mental health and well-being.

Therapy Services Covered by Cigna

Start your journey of healing and self-discovery with Cigna’s extensive coverage of therapy services. It’s important to keep in mind that the specific therapies covered may vary based on your specific plan and coverage details.

Cigna therapy coverage includes: 

Routine Outpatient Care (ROC)

Cigna covers any medical services and treatments that do not require an overnight stay in a healthcare facility. This includes individual counseling, group therapy services, and medication evaluation and management. 

Intensive Outpatient Program (IOP)

These structured treatment programs are designed to provide more comprehensive care than ROC while still allowing individuals to live at home. Cigna covers intensive outpatient program (IOP) needs, including individual therapy, group therapy, psychoeducation, or other therapeutic activities to address specific cognitive issues. 

Partial Hospitalization

This form of care refers to a comprehensive treatment program for individuals struggling with mental health or substance use disorders that require more intense support or monitoring. Cigna covers hospitalization programs involving all types of therapeutic interventions, such as individual therapy, group therapy, medication management, and other supportive services.

Inpatient Care 

Inpatient care, also called acute or residential care, involves admission into a hospital facility where the individual receives 24-hour supervised mental health treatment. Cigna offers a range of inpatient care programs, including therapy, medication management, and other structured mental health resources. 

Non-Covered Therapy Services by Cigna 

Based on an individual’s plan and policy, there are certain types of therapy services that Cigna does not cover. 

These include: 

Review your benefits plan and policy to understand if Cigna covers your desired therapy services. 

How to Check Your Cigna Insurance Coverage

Navigating your insurance coverage is simple with Cigna Healthcare.

  1. Visit the official Cigna website at www.cigna.com and select ‘Login to myCigna.’ If you already have an account, enter your username and password. If not, select the option to register and create a new account. 
  2. Once logged in, select ‘My Coverage’ and explore the options available under your coverage details.
  3. Review the coverage details, including any copayments, deductibles, limitations, or exclusions that may apply to mental health services in your insurance policies.

If you have any specific questions regarding your Cigna therapy coverage, you can contact customer support at 1-800-244-6224.

How Much Does Therapy Cost With Cigna Insurance?

Cigna therapy coverage can make mental health care more accessible and affordable. The cost of insurance for therapy services depends on several key factors:

In-Network vs. Out-of-Network

In-network providers save you money with lower out-of-pocket costs, as they’ve negotiated rates with Cigna. Out-of-network providers have higher fees, limited coverage, and higher coinsurance.

Deductibles

Depending on your deductible, you may need to pay more or less before your insurance kicks in to help cover the percentage of the cost of behavioral health benefits. Below is an example for what your deductible may look like, but you’ll need to check your plan to see your specific deductible information. 

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Copayments

Copayments are pre-determined by your Cigna insurance plan and depend on factors such as the type of service and the provider you select. Your plan may require you to copay or pay a percentage of the therapy cost as coinsurance. 

Cigna Accounts, Plans, and Services 

Cigna Healthcare provides individuals with diverse coverage options and comprehensive support, giving you and your loved ones peace of mind. 

Health Savings Account (HSA)

The Health Savings Account (HSA) is a type of plan Cigna offers to allow you to set aside money for qualified medical expenses on a pre-tax basis. HSA is flexible, portable, cost-effective, and offers long-term savings potential. 

Cigna HSA works in tandem with a high-deductible health plan (HDHP) to provide coverage for mental health services, including therapy. 

Employee Assistance Programs (EAP)

Employee Assistance Programs (EAP) are workplace initiatives included in health insurance plans. They provide confidential counseling, assessment, and referral services for mental health disorders (i.e., PTSD, anxiety, bipolar, etc.), substance abuse, etc. Employees can access these services using their Cigna insurance card. 

Health Maintenance Organization (HMO)

A Health Maintenance Organization (HMO) is an insurance plan providing coordinated and cost-effective access to behavioral health services. In an HMO, a designated social worker, therapist, or other mental health professional helps manage and support your mental well-being, ensuring you receive the necessary care and assistance.

How to Find a Therapist Who Takes Cigna

Start your search by visiting the Cigna Provider Directory page or call Cigna customer service to inquire about the local therapists in your area. 

You can also search for therapists using Grow Therapy’s specialized search tool. Select virtual or in-person care options, adjust the state that you live in, use ‘Cigna’ as the insurance company, and define your specialized treatment plan. 

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This advanced search option lets you connect with a therapist who matches your needs. Whether you’re looking for therapy at home or in person, Grow Therapy has you covered. Pay as little as $0 with Cigna coverage for mental health benefits today!

Popular Cities for Cigna Therapists:

Frequently Asked Questions

About the author
derek lee grow therapy Derek Lee, VP of Insurance Operations

Derek Lee is Grow Therapy's Vice President of Insurance Operations, overseeing payor relations and success, credentialing and enrollment, new payor launch, revenue cycle management and billing, and insurance operations data analytics.

This article is not meant to be a replacement for medical advice. We recommend speaking with a therapist for personalized information about your mental health. If you don’t currently have a therapist, we can connect you with one who can offer support and address any questions or concerns. If you or your child is experiencing a medical emergency, is considering harming themselves or others, or is otherwise in imminent danger, you should dial 9-1-1 and/or go to the nearest emergency room.

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