Does Cigna cover telehealth therapy?

Most Cigna plans cover telehealth behavioral health sessions at the same rate as in-person care under the Mental Health Parity and Addiction Equity Act. Phoenix Health verifies your specific plan benefits before your first session. Your out-of-pocket cost typically depends on your deductible and copay structure.

What is a PMH-C certification?

PMH-C (Perinatal Mental Health Certification) is awarded by Postpartum Support International (PSI) to clinicians who have completed advanced training in perinatal mental health — covering postpartum depression, anxiety, OCD, birth trauma, and related conditions. It represents the gold standard of specialization in this field.

How do I know if I need therapy?

If you're struggling — with your mood, your thoughts, your relationship, or just how you're coping — that's enough of a reason to talk to someone. You don't need a diagnosis. A free consultation is a low-commitment first step.

🌱Infertility

Infertility therapy — covered by Cigna

"Every month is a cycle of hope and grief. Nobody warns you it's this hard."

Infertility affects 1 in 8 couples — the emotional toll is comparable to a cancer diagnosis.

✓See a specialist this week✓PMH-C Certified Therapists✓Telehealth — see anyone from home✓Accepts Cigna

No commitment. We'll confirm your coverage before your first session.

Using your Cigna benefits

Phoenix Health is in-network with Cigna, including plans branded as Evernorth. If your card says Evernorth, that's Cigna's behavioral health division — the coverage and network are the same. Cigna is one of the larger national insurers we work with, and their telehealth mental health coverage has expanded significantly. Most Cigna plans cover outpatient therapy at a specialist copay once your deductible is met, and they've been strong on telehealth parity — meaning your video sessions are covered the same way as in-person visits. Under the Mental Health Parity and Addiction Equity Act, Cigna plans must cover behavioral health at the same level as physical health, so you shouldn't face higher copays or stricter visit limits for therapy than you would for a comparable medical appointment. Before your first session, we confirm your specific Cigna plan benefits — including whether prior authorization is needed (some Cigna plans require it for ongoing therapy after an initial evaluation). Sessions are FSA and HSA eligible. To verify yourself, call member services and ask: 'Do I have in-network outpatient mental health benefits? What is my copay and has my deductible been met?' We're also happy to handle this verification as part of getting you started.

Also accepted as:Evernorth

✓ In-network coverage

Your benefits apply directly — no superbills or out-of-network claims.

✓ Benefits verified upfront

We confirm your copay and deductible before your first session, at no charge.

✓ Telehealth covered

Your plan covers virtual sessions at the same rate as in-person specialist visits.

Our Infertility specialists who accept Cigna

All Phoenix Health therapists hold or are working toward PMH-C certification — the gold standard in perinatal mental health.

Real clients. Real relief.

What our clients say about their experience.

⭐⭐⭐⭐⭐

“I was so focused on the clinical side that I didn't notice I'd completely lost myself in the process. Every month was a cycle of hope and devastation and getting back up again. My therapist helped me build a life around the treatments instead of building my whole life around the outcome. That shift made it survivable.”

— IVF journey

⭐⭐⭐⭐⭐

“Two years of treatments and nobody talked about what it does to your relationship, your identity, your sense of self. I felt like my body had failed me. My therapist helped me separate my worth from my fertility — and helped my husband and I find each other again in the middle of it. Still trying. Feeling more like myself than I have in years.”

— TTC, 3 years

⭐⭐⭐⭐⭐

“My emergency C-section left me with nightmares and panic attacks. I couldn't talk about the birth without shaking. Therapy helped me process the trauma and reclaim my story. I'm pregnant again now, and I actually feel ready.”

— expecting mom of 1

How your Cigna coverage works

📋

We verify your benefits

Before your first session, we check your specific plan to confirm coverage and estimate your out-of-pocket cost.

💳

Standard copay after deductible

Most clients pay a specialist copay ($20–$60 depending on plan) once their deductible is met.

💰

FSA and HSA eligible

Therapy sessions qualify as a medical expense — you can pay with pre-tax FSA or HSA dollars.

See full coverage map →

Questions about your Cigna coverage? We're happy to help — reach out before your first session.

Your rights under federal parity law

Under the Mental Health Parity and Addiction Equity Act (MHPAEA), your insurer cannot impose more restrictive limits on mental health coverage than on comparable medical or surgical benefits — no lower visit limits and no higher cost-sharing for therapy than for specialist medical care.

If you're denied coverage, you have the right to appeal and to request a written explanation of the denial criteria.

Questions to ask your insurer:

Is outpatient mental health covered by my plan?
What is my specialist copay and my current deductible status?
Are there any waiting periods before mental health benefits begin?
Is telehealth covered at the same rate as in-person therapy?
Does my plan have a visit limit on mental health services?

How it works

Book your free call

No commitment, no paperwork. Just a short call to tell us what you're going through and confirm we're the right fit.

Get matched

We pair you with the right specialist for your state and situation — and confirm your coverage before you commit.

Start your first session

Meet your therapist from home — no commute, no waiting room. Weekly or biweekly, adjusted to your life.

Common questions

Most Cigna plans cover telehealth behavioral health sessions at the same rate as in-person care under the Mental Health Parity and Addiction Equity Act. Phoenix Health verifies your specific plan benefits before your first session. Your out-of-pocket cost typically depends on your deductible and copay structure.
PMH-C (Perinatal Mental Health Certification) is awarded by Postpartum Support International (PSI) to clinicians who have completed advanced training in perinatal mental health — covering postpartum depression, anxiety, OCD, birth trauma, and related conditions. It represents the gold standard of specialization in this field.
If you're struggling — with your mood, your thoughts, your relationship, or just how you're coping — that's enough of a reason to talk to someone. You don't need a diagnosis. A free consultation is a low-commitment first step.

Trusted by leading voices in perinatal health