Mental Health Benefits Cigna, Aetna, United Health Care Provides at No Cost

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Mental health is just as important as physical health, which is why many health insurance policies now offer additional mental health benefits at no cost. These new features are designed to help reduce the stigma and financial burden that comes with receiving mental health treatment. In fact, according to the National Council on Behavioral Health, insurance providers have been adding these services to their policies for the past seven years. Giving millions of Americans access to affordable mental health services has improved their quality of life and saved them a lot of money in the long run.

Cigna Mental Health Benefits

Cigna is one of the most popular health insurance providers in the country. The company has been offering additional mental health benefits at no cost since 2010, and they’ve been expanding those benefits consistently ever since. Cigna offers a wide range of mental health services, including in-person counseling, phone counseling, and therapy, as well as medication management. Cigna can also help you find a therapist if you don’t have one already, or if you need therapy but don’t have a therapist.

Aetna Mental Health Benefits

Aetna is another popular insurance provider that offers additional mental health benefits at no cost. Aetna also has a wide range of services for various mental health conditions, including depression, anxiety, eating disorders, and post-traumatic stress disorder (PTSD). Aetna can provide you with in-person counseling, phone counseling, couple and family therapy, therapy for your children, and therapy for your pets. Aetna might even cover the cost of hiring a care manager to help manage your treatment.

United Healthcare Mental Health Benefits

United Healthcare is another major insurance provider that offers a wide range of mental health benefits at no cost to its members. If you have a PPO plan with United Healthcare, you can receive up to 20 therapy sessions per year. A wide range of services are available under this coverage, including in-person counseling, phone counseling, couple and family therapy, and therapy for your children. United Healthcare also offers medication management and can help you find a therapist if you don’t have one already.

How to Utilize your PPO Benefits for Mental Health Services

If you have a PPO plan, you can utilize your mental health benefits directly with your therapist. Every therapist has a different billing procedure, but in general, you’ll want to give them your insurance information and any PPO ID or NPI numbers that you may have. If you have an HMO or an HMO/PPO hybrid plan, you’ll be required to go through an in-network provider. Your insurance company will provide you with a list of participating therapists, and you can schedule an appointment with one of them.

Bottom Line

These mental health benefits are an excellent example of how much the health insurance industry has changed in recent years. The rise of high-deductible plans has driven people to seek out mental health services, which have remained relatively cheap and accessible compared to other medical procedures. With more and more health insurance providers offering these services at no cost, it’s never been easier to get the help you need. All you need to do is ask your provider if they offer mental health benefits, and if they do, make sure to take advantage of them.


Clear Mind Treatment is a 45-90 day program specialized in treatment resistant depression, anxiety, bipolar disorder, and PTSD using traditional psychotherapy and cutting edge technologies, like Ketamine, TMS, EMDR. We are a big fan of neuroplasticity and meditation and believe that when you can change your thought and feeling patterns, you can change your life. We take most PPO insurance, like Cigna, United Health, Aetna, MHN, medicare, and AHCCES in Arizona. Give us a call anytime 310-571-5957 www.clearmindtreatment.com

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