Cigna Behavioral Health for Therapy | Zencare Guide — Zencare

Cigna Behavioral Health


Does Cigna Behavioral Health cover therapy?

Yes, nearly all Cigna Behavioral Health plans cover therapy for mental and behavioral health conditions. However, the extent of coverage depends on your particular plan.

How much your particular plan covers depends on several factors, like if you have/have met a deductible, and whether the service is in-network or out-of-network.

How much does therapy cost with a Cigna Behavioral Health plan?

The cost of sessions depends on A) your plan’s coverage, and B) whether you’re seeing a therapist who’s in or out-of-network.

A) Your plan’s coverage

There are two key two terms that determine your payment amount per therapy session.

B) In-network vs. out-of-network

In-network: If your therapist is in-network, you will have to pay a copay and/or deductible (see section A). The final cost depends on your specific plan.

Out-of-network: If you are seeing a therapist out-of-network, then you will have to pay the whole fee the therapist charges up front (or the sliding scale rate, if that is what you have both agreed upon).

What types of therapy does Cigna cover?

The modalities that Cigna Behavioral Health covers may include, but are not limited to, the following:

A therapist may use different types of therapy approaches in your sessions.

What types of conditions does Cigna cover?

The mental health conditions that Cigna covers may include:

Note that Cigna Behavioral Health therapists are required to assign you a diagnosis for the above conditions, as well as share the diagnosis with your health insurance, if you are using benefits to pay for therapy.

If you don’t want your insurance company (or your family members, if you have a shared plan) to have access to this information about your mental health, consider out-of-network options instead.

What kinds of therapy does Cigna Behavioral Health not cover?

It is not typical for Cigna Behavioral Health to cover the following:

Does Cigna Behavioral Health cover couples therapy?

No. While it depends on your specific plan, it is unlikely that Cigna will cover couples counseling.

That said, even if your insurance doesn't directly cover it, you still have options for getting affordable couples counseling. Here are five ways to pay for couples counseling if it’s not included in your health insurance plan.

Do I need to see my doctor before visiting a Cigna therapist?

Whether you need to get a referral for a therapist from your primary care physician depends on what type of plan you have. Generally speaking, here’s what’s required per plan type:

If you do not get a referral, you may want to call your member services number directly to check whether pre-authorization is required for coverage.

Does Cigna Behavioral Health cover online therapy?

Yes, Cigna does usually cover video therapy sessions, which you can use in place of an in-person visit to your therapist’s office.

Video sessions are also an option for managing medications without an office visit.