Medically reviewed by Gabriela Asturias, MD on May 23, 2025Cigna Healthcare (now part of The Cigna Group’s Evernorth division) runs one of the largest behavioral-health networks in the country — more than 300,000 in-person clinicians plus 163,000 virtual professionals. This guide will walk you through how to locate a Cigna therapist, understand your Cigna mental health coverage, and book care (virtual or in-office) without guesswork.
Academy of Certified Social Workers License (ACSW)
100 Mission Street, San Francisco, California 94105
BlueCross Provider is a Academy of Certified Social Workers License (ACSW) in San Francisco, California. They treat Abuse.
A very good mental therapist.
Pre-Licensed Professional
161 W 3rd St, Prosper, Texas 75078
Zoiana 4 Oct is a Pre-Licensed Professional in Prosper, Texas. They treat Performance Anxiety, Substance Use, Career.
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Certified Clinical Social Worker (CSW)
7643 U.S. 64, Atkins, Arkansas 72823
Rafael Reeves is a Certified Clinical Social Worker (CSW) in Atkins, Arkansas. They treat Agoraphobia, Aging.
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Certified Addiction Counselor (CAC)
30 East Elizabeth Avenue, Bethlehem, Pennsylvania 18018
Harry Harrison is a Certified Addiction Counselor (CAC) in Bethlehem, Pennsylvania. They treat Anorexia Nervosa.
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Diplomate in Clinical Social Work (DCSW), Education Specialist (EdS), Hypnotherapist
Murdaugh Street, Varnville, South Carolina 29944
Doctor Professor is a Diplomate in Clinical Social Work (DCSW) in Varnville, South Carolina. They treat Dependent Personality, Childhood Abuse, Psychosis.
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Counselor
1776 South Main Street, Akron, Ohio 44301
Halla William is a Counselor in Akron, Ohio. They treat Conflict Resolution, Anorexia Nervosa, Depression.
Last step – add a photo and tagline
| Plan Type | Typical 2025 Member Cost* | Key Points |
|---|---|---|
| Employer & Marketplace PPO/HMO | $0–$40 copay for in-network therapy (no separate mental-health deductible) | Copay or coinsurance applies after medical deductible (if any) |
| High-Deductible/HSA | 20 % after deductible, then $0–$40 | Same coverage, different timing of cost share |
| Cigna Medicare Advantage | $0 virtual mental-health therapy; $15–$40 in-person copay | Many plans quote $0 MDLIVE visits |
*Always check your own Evidence of Coverage (EOC); employer carve-outs can vary.
Coverage basics
| Provider Type | What they do |
|---|---|
| Cigna Therapist / Counselor (LCSW, LMFT, LPC) | Weekly talk therapy, stress, life transitions |
| Cigna Psychologist (PhD, PsyD) | Psychological testing, EMDR, DBT |
| Cigna Psychiatrist (MD/DO) | Diagnosis, medication management |
Maya, a 33-year-old software engineer in Seattle, felt rising anxiety after a company downsizing. Here’s her 11-day journey:
Total time from search to session: under two weeks, no out-of-pocket cost.
| Stay In-Network (recommended) | Go Out-of-Network |
|---|---|
| Predictable copay or coinsurance | Pay full fee, then submit for partial reimbursement (PPO only) |
| Claims filed automatically | No reimbursement for HMO/OAP plans |
| Integrated with your Cigna case-management team | Wider choice; useful for niche specialties |
If no in-network appointment is available within 10 business days, request a “network deficiency exception.” Cigna may cover an outside clinician at in-network rates under parity rules.
Telehealth sessions count the same as office visits toward visit limits (if any) and deductibles.
| Setting | Employer/Marketplace PPO & HMO | High-Deductible Plan | Medicare Advantage |
|---|---|---|---|
| In-Person Therapy (45 min) | $0–$40 copay | 20 % after deductible | $15–$40 copay |
| MDLIVE Therapy | Often $0 | Deductible, then $0 | $0 |
| Initial Psychiatric Eval | $30–$60 copay | 20 % after deductible | $20–$50 copay |
Keep in mind, if the first provider you work with doesnt feel like the right fit, switching therapists that take Cigna is penalty-free.
Does Cigna cover therapy?
Yes. Outpatient therapy with in-network licensed clinicians is a core medical benefit; typical copay $0–$40 or 20 % coinsurance after deductible.
How do I find therapists that take Cigna near me?
Log into myCigna → Find Care & Costs → Behavioral Health and filter by zip code, specialty, and availability.
What’s the difference between a Cigna therapist and a Cigna psychologist?
“Therapist” is an umbrella term (LCSW, LMFT, LPC). “Psychologist” means a PhD/PsyD who can conduct testing and advanced modalities. Both are Cigna mental health providers if enrolled.
Are psychiatrists that take Cigna accepting new patients?
Many are, especially via MDLIVE. Use the “Accepting new patients” filter and consider virtual appointments.
Does Cigna mental health coverage include telehealth?
Most plans waive or reduce copays for MDLIVE therapy and psychiatry through 2025.
Recovery is possible. With early intervention, a supportive community, and the right professional care, you can overcome challenges and build a fulfilling life. We’re here to help you find the support you need.
