![]() That said, even if your insurance doesn't directly cover it, you still have options for getting affordable couples counseling. While it depends on your specific plan, it is unlikely that Cigna’s behavioral health benefits will cover couples counseling. Couples counseling (See below for more info + ways to pay for couples counseling).It is not typical for Cigna Mental Health benefits to cover the following: What kinds of behavioral health services are not covered by Cigna? 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 treatments, consider out-of-network options instead. Note that Cigna Mental Health therapists must assign you a diagnosis for the above conditions, as well as share the diagnosis with your health insurance, if you are using mental health benefits to pay for therapy. Mood disorders, such as bipolar disorder.The mental health conditions that Cigna health benefits cover may include: What types of conditions does Cigna cover? The modalities that Cigna Insurance for Mental Health issues covers may include, but are not limited to, the following:Ī therapist may use several types of therapy approaches in your sessions. What types of behavioral health treatment does Cigna cover? You may be able to get reimbursed a portion of out-of-network costs by using out-of-network benefits.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). Find out how much each mental health treatment session will cost by looking at your summary of benefits or contacting your health insurance provider directly.The final cost depends on your specific plan. In-network: If your therapist is in-network, you will have to pay a copay and/or deductible (see section A). A copay typically ranges from $15 to $50 per session. Copay - The set fee you pay at every therapy session, after your deductible is met.(All your medical costs contribute to this, not just mental health treatment costs.) Deductible - The sum total of medical costs you need to pay each year before your insurance coverage begins.There are two key two terms that determine your payment amount per therapy session. The cost of sessions depends on A) your plan’s mental health coverage, and B) whether you’re seeing a therapist who’s in or out-of-network. How much does therapy cost with a Cigna Insurance Plan for Mental Health? 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. However, the extent of coverage depends on your particular plan. Yes, nearly all Cigna Mental Health plans cover therapy for behavioral and mental health treatment. Cigna Mental Health Coverage Does Cigna Insurance cover therapy?
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