Does Cigna Offer Coverage for Mental and Behavioral Health Disorders?

insurance behavioral health

If you’re struggling with a mental or behavioral health issue, you might be wondering how you can pay for treatment. There is no magic pill that cures mental disorders. Instead, treatment requires a combination of medication, therapy and counseling. It can take time to find the right balance of treatment, as each person is unique. 

There are many different types of health insurance, and Cigna is one of them. Cigna is based in Connecticut and most offers medical, dental, disability, life and accident insurance to individuals through employers and other organizations. Cigna is also a large health insurance company, which means they have a lot of different personal health insurance plans. 

Does Cigna Cover Mental and Behavioral Health Services? 

Most Cigna plans will pay for required mental health treatments like individual and group therapy, intensive outpatient care, inpatient care and emergency hospitalizations. Some treatments, such as inpatient care, may only be covered if deemed medically necessary, so it’s important to read the details of your plan. 

If you’re not sure what your plan covers, you can contact your insurance company directly. And if you get your insurance through your employer, they might offer an employee assistance plan (EAP) where you can find out the details of your policy. They can even help find providers in your area. 

Cigna also covers emergency mental health services, so if you’re in a crisis, don’t hesitate to go to your local ER. Even if you are not hospitalized, your insurance will still cover the costs of evaluation and stabilization. 

What Mental Health Services are Covered Under Cigna? 

Employer-sponsored Cigna health plans cover a wide range of mental health services. Here are some benefits you may have access to: 

  • The Behavioral Health network of licensed mental health providers
  • Mental health services and follow up case management services 
  • Consultations, referral services and outpatient services 
  • Referrals to local community support groups, behavioral coaches and online resources 

In addition to these benefits, your Cigna plan also offers coverage for substance use disorders. It’s not uncommon for substance use and mental health disorders to occur simultaneously. A main cause of this is self-medication. People who struggle with underlying mental illness will often self-medicate with drugs or alcohol. 

Through your employer-sponsored plan, you may have access to the following: 

  • Inpatient and outpatient treatment services 
  • Follow-up case management services
  • Confidential individual and group therapy 
  • Personalized coaching and support groups
  • Referrals to local community support groups, behavioral coaches and online resources 

Treatment Costs When Using Cigna 

Cigna health insurance covers most mental and behavioral health issues, including anxiety, depression, post-traumatic stress disorder, bipolar disorder, panic disorder and others. You may pay for some of these treatment services – it all depends on your plan. 

Many plans have a standard copay for routine services. You may also need to pay a portion of your deductible or a separate copay for emergency services or inpatient care. Cigna includes mental and behavioral health services as part of the standard deductible, so you will not need to pay a separate deductible for this treatment. 

To keep your costs down, it’s best to choose an in-network provider that accepts Cigna health insurance. If you choose an out-of-network provider, you’ll end up paying more in copays and other fees. Some plans will even require you to cover the full cost of treatment! 

Forward Health Accepts Cigna 

Forward Health in Ohio accepts Cigna health insurance. We will be happy to verify your benefits and determine your out-of-pocket costs. We do our best to make treatment affordable and attainable for the average person without sacrificing quality. To verify your coverage with Forward Health, contact our admissions department at 614-567-6274 today.