If you’re searching for mental health treatment, one of your first questions is probably about insurance. Cigna therapy coverage can be a valuable resource if you know what’s available, what to ask, and how to use it effectively.
This article breaks down everything you need to know about how Cigna insurance supports mental health care—from therapy sessions to rehab treatment and more.
Why Insurance Coverage for Therapy Matters
Mental health isn’t a luxury—it’s a necessity. However, the cost of therapy, counseling, or treatment programs can add up quickly. Without insurance coverage, many individuals delay or avoid getting help altogether.
Cigna, as one of the largest health insurance providers in the U.S., offers mental health support in its plans. But navigating the coverage details can be tricky if you’re not familiar with how it all works.
What Is Included in Cigna Therapy Coverage?
Depending on your specific plan, Cigna may cover a range of mental health services. Here’s what you might expect:
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Individual therapy sessions with a licensed counselor or therapist
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Group therapy for anxiety, depression, addiction, and other conditions
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Family or couples counseling
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Outpatient or inpatient treatment programs
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Medication management through psychiatrists
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Telehealth therapy sessions
It’s essential to review your plan details or contact Cigna directly, as coverage levels vary based on your policy and location.
Does Cigna Require Pre-Authorization?
In some cases, yes. Certain services may require pre-authorization before starting treatment. This means you or your provider must get approval from Cigna before scheduling services.
Examples include:
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Inpatient mental health or addiction treatment
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Partial hospitalization programs (PHPs)
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Intensive outpatient programs (IOPs)
Failing to obtain pre-authorization could result in denial of coverage, so always double-check beforehand.
How to Check Your Mental Health Benefits with Cigna
Before scheduling therapy or treatment, take these simple steps to verify your benefits:
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Log in to your Cigna member portal
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Call customer service at the number on your insurance card
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Ask the right questions, like:
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What mental health services are covered?
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What are my copays or coinsurance amounts?
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Do I have a deductible for mental health services?
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Do I need a referral from my primary care doctor?
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Taking these steps upfront will help you avoid surprises later.
In-Network vs. Out-of-Network: What’s the Difference?
In-Network Providers
These are therapists or treatment centers that have contracted with Cigna. You’ll typically pay lower out-of-pocket costs when using in-network providers.
Out-of-Network Providers
These therapists or programs haven’t signed contracts with Cigna. Coverage is still possible in some plans, but you may pay more or have to file claims manually.
When possible, stick with in-network providers unless you have a specific preference or need that’s unavailable.
Cigna and Addiction Treatment Coverage
Cigna doesn’t just cover therapy for anxiety or depression—it also provides options for those struggling with substance abuse or dual diagnosis. Here’s what addiction-related services may be covered:
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Medical detox under supervision
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Inpatient rehab programs
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Outpatient treatment (including IOP and PHP)
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12-step or non-12-step programs
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MAT (Medication-Assisted Treatment)
Some of these services may require referrals or pre-authorization. Coverage can also depend on medical necessity as determined by Cigna and your provider.
Does Cigna Cover Online Therapy?
Yes, in most cases. Many Cigna members can access teletherapy through approved platforms or in-network providers offering virtual sessions. Telehealth has grown significantly and offers convenience without sacrificing quality of care.
This is especially helpful for:
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Busy professionals
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Parents with tight schedules
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People living in rural areas
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Anyone struggling with in-person access
Be sure to verify that your chosen online therapist is Cigna-approved and confirm whether telehealth services are billed differently.
Mental Health Parity Laws and Your Rights
Thanks to the Mental Health Parity and Addiction Equity Act, insurance providers like Cigna must offer mental health and substance use disorder benefits that are comparable to physical health coverage.
This means your plan cannot:
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Impose higher copays for therapy than for a physical doctor visit
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Limit the number of therapy sessions without justification
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Deny treatment arbitrarily for mental health conditions
Knowing your rights is half the battle when seeking care.
How to Find a Therapist That Accepts Cigna
Finding the right therapist is easier when you use Cigna’s tools. Here are a few options:
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Use the “Find a Doctor” tool on Cigna’s website
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Call the member support line for personalized referrals
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Ask your primary care provider for recommendations
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Search reputable directories like Psychology Today and filter by insurance
Make sure to ask new therapists if they’re still accepting Cigna patients, as provider networks can change frequently.
What If My Therapist Doesn’t Accept Cigna?
If you’ve already built a relationship with a therapist who isn’t in-network, you may still have options:
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Submit out-of-network claims (if your plan allows)
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Use out-of-network benefits for partial reimbursement
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Request a superbill from your provider for claims submission
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Ask about sliding scale fees or payment plans
Sometimes, paying out-of-pocket for continuity of care is worth it—but explore your insurance benefits first.
Copays, Coinsurance, and Deductibles: What to Expect
Cigna plans often include copays, coinsurance, or deductibles for mental health services. Let’s break it down:
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Copay: A flat fee (e.g., $25) you pay per therapy session
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Coinsurance: A percentage (e.g., 20%) of the session cost
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Deductible: The amount you pay annually before Cigna starts covering costs
Understanding these terms helps you budget for care and avoid surprise bills.
Cigna’s EAP: A Hidden Mental Health Benefit
Did you know that Cigna offers an Employee Assistance Program (EAP)? If your employer provides it, you could receive:
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Free short-term therapy sessions
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Work-life counseling
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Crisis support
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Referral services
EAP services are confidential and don’t require using your regular insurance benefits. Always ask HR if this benefit is available to you.
Common Conditions Covered by Cigna Therapy
Cigna typically covers therapy for a wide range of issues, such as:
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Depression and anxiety
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Trauma and PTSD
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Bipolar disorder
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Grief and loss
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ADHD
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Substance use disorders
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Eating disorders
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Relationship and family issues
Coverage usually depends on medical necessity and provider diagnosis.
Final Thoughts on Navigating Cigna Therapy Coverage
Understanding how to use your Cigna therapy coverage can open doors to life-changing support. Whether you need short-term counseling, long-term therapy, or addiction recovery services, your Cigna plan likely includes mental health benefits to support your journey.
Don’t let confusion or paperwork get in the way of your mental well-being. Use the tools at your disposal, ask questions, and find a provider who fits your needs.
FAQs About Cigna Therapy Coverage
Q: Is therapy always covered under Cigna?
A: Coverage depends on your specific plan, but most Cigna plans offer at least some mental health benefits.
Q: Can I see a therapist without a referral?
A: In most cases, yes. But check your plan details—some may require a referral from a primary care provider.
Q: Does Cigna cover family therapy?
A: Yes, many plans cover family or couples counseling, especially if it’s part of a treatment plan.
Q: How do I know if a provider is in-network?
A: Use Cigna’s “Find a Doctor” tool or call customer service to verify network participation.