Does Cigna Insurance Cover Mental Health Treatment?

The answer for the most part is yet. Cigna provides for extensive coverage of most mental health treatment issues, but within Cigna there are different plans and it is important to review the specific details of your plan.

What mental health treatments does Cigna cover?

Fortunately, most Cigna plans pay for the most important types of mental health care. Treatments that are generally covered include:

  • Individual therapy
  • Group Therapy
  • Intensive outpatient care
  • Inpatient care
  • Emergency hospitalizations, including 911 calls

With some types of treatment, such as inpatient care, your provider may need to declare that the treatment is medically necessary. If you are unsure about whether a particular treatment is covered, you can call the number on the back of your card and speak with an agent for clarification. If your employer offers an employee assistance program (EAP), they can also help you with up-front questions about your coverage.

What types of mental health disorders does Cigna cover?

Cigna covers a wide array of mental health issues. In addition to the two most widespread disorders—depression and anxiety—Cigna covers the following:

  • Substance abuse
  • Post-traumatic stress disorder (PTSD)
  • Substance abuse
  • Bipolar disorder
  • Panic disorder and panic attacks
  • Obsessive compulsive disorder (OCD)
  • Schizophrenia and schizoaffective disorder

Types of providers who can be covered through Cigna insurance

Although Cigna does require that your provider is part of its in-network roster, many types of providers can be covered. The most common types of practitioners include:

  • Licensed Clinic Social Workers (LCSWs)
  • Certified Chemical Dependency Counselors
  • Licensed Marriage and Family Therapists (MFTs)
  • Licensed Clinical Psychologists
  • Registered Nurses

If you feel the need to switch providers, Cigna allows this without penalty.

Finally, with regard to payment, some plans require patients to pay part of their treatment costs out of pocket. There may also be co-pay and deductible requirements for some types of treatment. Again, it is important to check the specifics of your plan. While it may be possible to go out of network for treatment, you will likely have to pay a significant portion or even all of the treatment costs yourself.

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