Cigna Therapist Toledo OH
Cigna Insurance – In Person & Online Therapist
Toledo Family Therapy is now accepting Cigna Insurance. Call to schedule a free phone consultation. Call: (419) 973-8009
Does Cigna Insurance cover therapy?
Cigna covers mental health therapy, including individual, family, and group sessions, as well as both in-person and online telehealth appointments. Out-of-pocket costs typically range from a $0 copay to $60 per session depending on your specific plan and whether you have met your deductible.
How can I find out if my Cigna Insurance plan covers therapy?
You can find your Summary of Benefits by logging into your Cigna Insurance Member Services portal, calling member services, or checking your employer’s benefits portal.
Does Cigna Insurance cover therapy?
Cigna covers mental health therapy, including individual, family, and group sessions, as well as both in-person and online telehealth appointments. Out-of-pocket costs typically range from a $0 copay to $60 per session depending on your specific plan and whether you have met your deductible.
How can I find out if my Cigna Insurance plan covers therapy?
You can find your Summary of Benefits by logging into your Cigna Insurance Member Services portal, calling member services, or checking your employer’s benefits portal.
While your Cigna insurance likely covers therapy, the extent of coverage and requirements for coverage depend on your particular plan. Read on to learn more.
How much does therapy cost with a Cigna Insurance plan?
If you choose a therapist who is in-network with Cigna, your therapy sessions likely cost between $15 – $60 per session, after you meet your deductible. The $15 – $60 amount is your copay, or the fixed amount that you owe at each therapy visit. The deductible is the total amount you need to spend in medical costs in any given year before your health insurance begins to cover the cost of services.
What mental health conditions does Cigna insurance cover?
Mental health conditions Cigna insurance covers may include:
- Anxiety
- Depression
- Trauma
- Attention-deficit/hyperactivity disorder (ADHD)
- Obsessive Compulsive Disorder (OCD)
- Eating disorders
- Mood disorders, such as bipolar disorder
- Substance use disorder
Note that therapists are required to assign you a diagnosis for the above conditions, as well as share the diagnosis with your health insurer, if you are using insurance benefits to pay for therapy.
If you don’t want your insurance company (or family members, if you have a shared plan) to have access to this information about your mental health, consider out-of-network options instead.
What types of therapy does Cigna insurance not cover?
Cigna insurance plans cover most types of therapy, including individual therapy and child therapy, as well as different types of therapy approaches, including:
- Cognitive Behavioral Therapy (CBT)
- Dialectical Behavioral Therapy (DBT)
- Psychodynamic Therapy
- Acceptance and Commitment Therapy
Any therapy type that is evidence-based and utilized for the purposes of diagnosis and treatment of mental health conditions should be covered by Cigna insurance plans.
What kinds of therapy does Cigna insurance not cover?
Like most insurances, it is not typical for Cigna insurance to cover services unrelated to a diagnosable mental health condition, such as:
- Couples counseling – Couples counseling is typically not covered by insurance, because relationship issues, while a significant source of stress, are not considered a diagnosable mental health condition.
- Life coaching – Life coaching is not covered by insurance because it focuses on achieving personal goals, rather than treating a diagnosable mental health condition.
- Career coaching – Career coaching is not covered by insurance because it focuses on achieving professional goals, rather than treating a diagnosable mental health condition.
Cigna insurance is also unlikely to cover therapy sessions occurring outside the therapy office, because of the greater potential for risk involved. While clients may sometimes benefit from services rendered outside of the therapy office, such as a client with an eating disorder needing support in the grocery store, or a client with a phobia of driving needing support in the car, these services are not likely to be covered by insurance and must be paid for out-of-pocket.
Does Cigna insurance cover online therapy?
Yes, most Cigna insurance plans cover online therapy.
You can go through those directories, or ask member services whether online sessions with your therapist of choice are covered.
Does Cigna insurance cover couples counseling?
No. While it depends on your specific plan, it is unlikely that Cigna insurance will cover couples counseling.
That said, even if your insurance doesn’t directly cover it, you still have options for getting affordable couples counseling.
Do I need to see my doctor before visiting a Cigna therapist?
If you need to see your primary care doctor before visiting a Cigna therapist depends on your insurance plan type:
- This referral requirement is also called pre-authorization (or prior authorization). Pre-authorization is a process where a health provider, in this case your therapist, must get approval from your insurance company before providing you with care in order for the services to be covered. Your Summary of Benefits should indicate whether you need pre-authorization for outpatient mental health services.
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Accepted Insurance
Anthem
Cigna
Evernorth
First Health
Maritain
Medical Mutual
Molina
Signa
UBH
United Healthcare