Struggling with your mental health or substance use is hard enough—figuring out how to pay for therapy shouldn’t be. If you’re asking, “does Cigna cover therapy?”, the answer is often yes. At LIV Recovery Center, we’re here to help you understand your options and get the care you need.
Let’s break it all down so you can take the first step toward healing.
Therapy Cigna Covers
Cigna covers a wide range of therapy services for mental health disorders and substance use disorders. This includes individual therapy sessions, Family Therapy, and couples therapy, along with more specialized options like Cognitive Behavioral Therapy (CBT) and Dialectical Behavior Therapy (DBT).
LIV Recovery Center offers behavioral health treatment for conditions like bipolar disorder, panic disorder, Obsessive-Compulsive Disorder, and Post-Traumatic Stress Disorder (PTSD). We also support clients with borderline personality disorder and other mood disorders through flexible outpatient services such as our PHP, IOP, and Evening IOP.
Cigna mental health coverage can apply to both inpatient treatment and outpatient therapy, depending on your insurance policy and medical necessity. We work with Cigna insurance plans to ensure you’re using your behavioral health benefits effectively.
Whether you’re dealing with mental illness, traumatic stress disorder, or ongoing mental health concerns, we help you access quality mental health care that fits your life and recovery goals.
How to Check Your Cigna Coverage for Therapy
Wondering, “does Cigna cover therapy” for your situation? Start by checking your ID card for your health insurance provider’s phone number or member site. From there, you can review your plan documents, including your summary of benefits, to see what’s included.
You can also call LIV Recovery Center, and we’ll verify your Cigna coverage for you—quickly and confidentially.
Each specific Cigna plan can vary. Some plans limit the number of therapy sessions, while others require a referral from your primary care physician. We’ll help you understand what’s needed.
Keep in mind, your employee assistance program (EAP) may also offer additional short-term mental health programs. These services may not count against your benefits but can still support your recovery.
With over 20 years of combined experience, we guide Cigna members through the process so they can get started without delay. You don’t have to navigate health insurance alone—let us walk you through it.
In-Network vs. Out-of-Network Therapists
Choosing between in-network providers and out-of-network providers can impact your care and your wallet. Does Cigna cover therapy from both? Often, yes—but the cost and coverage can be very different.
At LIV Recovery Center, we’re proud to be in-network with many Cigna insurance plans. That means out-of-pocket costs are usually lower and the approval process is simpler.
If you choose an out-of-network provider, Cigna may still offer partial coverage. However, out-of-pocket expenses and paperwork often increase. These added medical costs can quickly add up and affect how long you’re able to stay in treatment.
By staying in-network, you gain access to behavioral health services like talk therapy, medication management, and virtual therapy through approved treatment facilities like ours.
Your mental health professionals should focus on helping you heal—not figuring out billing. We streamline everything for you so you can focus on your treatment plan, not your pocket expenses.
Costs Associated with Therapy Under Cigna
Let’s talk dollars. Does Cigna cover therapy fully? Sometimes. Many Cigna members qualify for up to 100% coverage at LIV Recovery Center. But that depends on your type of plan and medical necessity.
Here’s what to expect:
- In-network providers = lower out-of-pocket expenses
- Out-of-network providers = higher pocket expenses
- Deductibles and copays vary based on your insurance policy
We help you understand your Cigna therapy coverage from day one. Whether you’re looking for support with addiction treatment, mental health issues, or both, we make the process easier.
Some services—like medication management or extended therapy services—may require pre-authorization. We handle those details for you so you’re not stuck waiting.
We’ll work with your health insurance company to make sure you can afford the care you need, whether it’s individual therapy sessions or a complete outpatient program.
How to Get Pre-Authorization for Therapy
Some Cigna insurance plans require pre-authorization before they’ll pay for therapy. Not sure how to do that? We’ve got you covered.
First, ask: Does Cigna cover therapy without pre-approval? For many outpatient visits—like those in our IOP or OP programs—the answer is yes. But certain services, such as inpatient treatment or specialized therapy, may need advance approval.
Your primary care physician may need to submit a referral. After that, we’ll help you gather any documentation required to demonstrate medical necessity.
We work directly with Cigna Behavioral Health to streamline this process. No guessing games. No long delays.
Pre-authorization helps you avoid surprise medical costs and ensures you’re approved for the services outlined in your treatment plan—from behavioral health care to addiction treatment and everything in between.
If your plan includes Medicare Advantage Plans or Medicare plans, the process may differ slightly, but we’ll guide you through those steps too.
Online Therapy Options Covered by Cigna
Looking for convenience? Good news—Cigna therapy coverage often includes telehealth services and online therapy options.
At LIV Recovery Center, we understand that not everyone can come into our office. Whether you’re balancing work, school, or family, our Evening IOP and virtual therapy programs are designed to fit your life.
Wondering again, does Cigna cover therapy online? Yes, many plans do. That includes sessions with licensed social workers, therapists, and other approved healthcare providers.
This is especially helpful for those dealing with mental illness, traumatic stress disorder, or who simply prefer the privacy of home-based support.
Online sessions can include talk therapy, CBT, and even Dialectical Behavioral Therapy, depending on your needs and plan.
Even if you live outside Georgia—say in North Carolina or New York—you may still be eligible for remote sessions, depending on licensing and health insurance provider rules. Call us to check.
Tips for Maximizing Your Mental Health Benefits
Getting the most from your mental health benefits starts with one key question: Does Cigna cover therapy in the way you need it most?
Here’s how to get the most value:
- Choose in-network providers like LIV Recovery Center
- Understand your summary of benefits and plan documents
- Use all available programs—including your employee assistance program
- Ask about coverage for different types of therapy, from CBT to DBT
- Keep track of your number of therapy sessions
- Work with your provider to ensure all services meet medical necessity requirements
We offer comprehensive care that supports your unique needs, whether you’re managing mental health concerns, substance abuse treatment, or both.
We also help you navigate Life Insurance Company referrals, Affordable Care Act plans, and Cigna Behavioral Health services to make sure you’re not missing out on any resources.
Your Path Forward
So—does Cigna cover therapy? Yes, and LIV Recovery Center is here to help you make the most of it.
Call us today to verify your benefits and build a plan that supports your recovery.
You deserve care that fits your life, not the other way around. Contact us today to learn more.
