If you’re struggling with mental health issues, figuring out how to pay for treatment can seem overwhelming, Fortunately, Cigna health insurance typically pays for mental health treatment, which makes it easier for people to seek help.
Mental Health Treatment: Understanding Cigna Therapy Coverage
Cigna is a large health insurance company that offers a variety of employer-provided and personal health insurance plans. If you’re covered by them and wondering, “Does Cigna pay for mental health treatment?” you’re in luck, because the answer is generally, “Yes.” While the benefits and coverage may vary slightly depending on the details of your specific plan, most Cigna insurance plans cover behavioral health treatments.
Cigna therapy coverage offers comprehensive support to individuals seeking mental health treatments. With the increasing awareness and understanding of mental health issues, insurance companies like Cigna have prioritized the inclusion of therapy coverage in their plans. Cigna’s emphasis on providing both individual and group therapy options assures that no matter the nature of the issue, there’s always a safety net of coverage to fall back on.
What Kind of Behavioral Health Treatment Does Cigna Cover?
Most Cigna plans will pay for any required short or long term mental health treatments, including individual and group therapy, intensive outpatient care, inpatient care and emergency hospitalizations. Some treatments, such as inpatient mental health treatment care, may only be covered if they’re deemed medically necessary, so it’s always a good idea to read the details of your plan. If you’re not sure if a treatment will be covered, you can always call the number on your Cigna insurance card to ask an expert. Most employer-provided plans also offer an employee assistance program, or EAP, where you can find out details of your employee benefit plan and be referred to a provider.
Cigna health insurance covers emergency mental health treatment, so if you are in a crisis, don’t hesitate to call 911 or go directly to the emergency room. Even if you are not hospitalized, Cigna insurance covers the costs of evaluation and stabilization.
Advantages of Cigna Therapy Coverage
Choosing Cigna for your therapy coverage brings along a myriad of benefits tailored for diverse needs. Firstly, their expansive network ensures that patients have access to a broad array of licensed mental health professionals, from therapists to clinical psychologists. This variety ensures a holistic approach to mental health, emphasizing both emotional and cognitive well-being.
Cigna’s therapy coverage goes beyond mere treatment. Their plans often encompass preventive care, recognizing the importance of early intervention in mental health. This proactive approach can mean fewer sessions in the long run and a quicker path to mental wellness. The flexibility in their offerings means that patients can find a plan that aligns perfectly with their unique needs, be it the frequency of sessions, choice of therapist, or the mode of therapy – in-person or online.
In essence, Cigna’s robust therapy coverage ensures a comprehensive, cost-effective, and customized journey towards mental well-being.
What Mental Illnesses Are Included in Cigna Therapy Coverage?
Cigna health insurance covers most mentally unstable and behavioral health issues, including both acute and chronic problems. These include, but are not limited to, mental health issues such as:
- Post-traumatic stress disorder
- Substance abuse
- Bipolar disorder
- Panic disorder and panic attacks
- Schizophrenia and schizoaffective disorder
Many Cigna health plans also cover behavioral health services for things many people don’t think of as mental health problems, such as counseling for family and marital problems.
Finding a Provider for Cigna Therapy Coverage 2023
Not all mental health providers are covered by Cigna insurance, so it’s important to make sure you find an in-network provider who takes your type of insurance. You can do this by contacting Cigna directly, since they maintain a list of covered providers. If you already have a clinic or individual in mind, you can also contact them directly and ask them if they take Cigna insurance.
It can be difficult to determine what kind of provider you need, but luckily Cigna health insurance covers most types of mental health doctors, therapists and counselors. This includes the majority of professionals, including people who hold the following licenses:
- Licensed Clinic Social Worker
- Registered Nurse
- Certified Chemical Dependency Counselor
- Licensed Marriage and Family Therapist
- Licensed Clinical Psychologist
Other providers may also be covered.
Since mental health treatment can be a highly personal process, it’s important to work with a provider you trust. If you don’t feel comfortable with the person you are seeing for treatment, Cigna health insurance allows you to switch to a different doctor or therapist with no penalty.
Cigna Insurance Mental Health Treatment Costs
Some patients may need to pay part of their residential mental health treatment costs. The details vary depending on the specific Cigna health plan, but typically there is a standard copay for routine services. You may also have to pay the cost 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 if you have already met it receiving other types of medical care, you typically will not need to pay a separate deductible for mental health treatment.
If you choose to use an out-of-network provider for routine care, you may have to pay more. Under some plans, you may need to pay the full cost of treatment yourself. Other plans may simply include a higher copay or other fees.
Alter Behavioral Health: Treatment Aligned for Cigna Therapy Coverage in California
If you’re seeking reliable therapy services in California that align with Cigna’s exemplary coverage, look no further than Alter Behavioral Health. As a trusted partner in mental health and well-being, we pride ourselves on our commitment to individualized care. Our experienced team is well-versed with Cigna’s insurance provisions, ensuring a seamless experience from consultation to treatment. Navigating therapy can be daunting, but with Alter Behavioral Health by your side and the extensive benefits of Cigna therapy coverage, your path to mental wellness is clear and supported. Don’t hesitate to reach out to us for any queries or to kickstart your healing journey with the assurance of Cigna’s coverage.