Does Cigna cover mental health?

Yes, Cigna covers mental health services, including therapy, psychiatry, and higher levels of care. Cigna mental health coverage varies by plan.

Does Cigna cover therapy?

Yes, Cigna typically covers therapy (e.g., individual, group) with Cigna in-network providers. Check your plan for details.

Does Cigna cover psychiatry?

Yes, most Cigna insurance plans will cover psychiatry. We encourage you to contact your insurance provider to determine your coverage level. If you are unable to find this, please contact your insurance carrier for further clarification.

Does my insurance plan require a referral?

PPO insurance plans typically do not require a referral. Some POS/HMO plans do require a referral for mental health services. We recommend checking with your insurance provider directly for details specific to your coverage.

Is online therapy & psychiatry (telehealth) covered?

Yes. Most in-network insurance plans cover telehealth mental health services, including therapy and medication management.

Does Cigna cover TMS or PHP/IOP?

Yes, Transcranial Magnetic Stimulation (TMS), Partial Hospitalization (PHP), and Intensive Outpatient (IOP) services are in-network with Cigna, though prior authorization may be required depending on your plan.

What happens if I have an out-of-network Cigna plan?

If your Cigna plan is out-of-network but includes out-of-network benefits, we will submit your claims to your insurance. However, your out-of-pocket costs may be higher based on your plan’s out-of-network coverage.

Will I have to submit claims?

No, Clarity Clinic will handle claim submissions to your insurance for both in-network and out-of-network services.

Cigna Mental Health Coverage at Clarity Clinic

Clarity is in-network with Cigna insurance! Browse our selection of Cigna in-network providers that offer accessible therapy, psychiatry, TMS therapy, and PHP/IOP programs. Get Cigna mental health coverage for both in-person and online mental health services throughout Illinois at Clarity Clinic.

Find Cigna In-network Providers

Cigna In-Network | Clarity Clinic - Mental Health Provider

We're In-Network with Cigna

Clarity Clinic is proud to be in-network with Cigna health insurance. We accept a wide range of Cigna PPO insurance plans, helping make mental health care more accessible and affordable for individuals and families across Illinois. Whether you’re seeking a Cigna therapist or Cigna psychiatrist, we are here to support your needs with leading mental health services such as therapy, psychiatry, TMS treatment, and PHP/ IOP programs.

Services Covered by Cigna

Our Cigna in-network providers offer a range of accessible, high-quality mental health services—both online and in-person. Whether you’re looking for compassionate Cigna therapists for online therapy or an experienced Cigna psychiatrist for in-person medication management, our team is here to support you.

Outpatient Services:

✅ Individual Therapy
✅ Couples & Family Therapy
✅ Group Therapy
✅ Psychiatry & Medication Management
✅ Psychological Testing & Evaluations
✅ Transcranial Magnetic Stimulation (TMS)

Higher Levels of Care:

✅ Partial Hospitalization Program (PHP)
✅ Intensive Outpatient Program (IOP)

Coverage and benefits may vary by insurance plan. We recommend verifying your specific benefits before starting care.

Cigna In-Network Plans & Coverage Details

Clarity Clinic is in-network with most Cigna PPO plans. It is important to note that:

We do accept some Cigna HMO plans for our outpatient services. Please contact your plan to confirm Clarity Clinic's participation.
- For our PHP & IOP programs, we accept select Cigna HMO plans, but a referral and prior authorization are needed before starting care.
Coverage may differ depending on your plan’s network tier and mental health benefits.

What to Expect:

Most PPO plans cover therapy, psychiatry, and other outpatient services.
You may be responsible for copays, deductibles, or coinsurance, depending on your specific plan.
We strongly encourage all patients to call their insurance provider before their first appointment to confirm eligibility and coverage for “Behavioral/Mental Health” services.
Patients are responsible for all applicable deductibles, coinsurance, copayments, and any non-covered services as determined by their insurance plan.

Helpful Links:
🔗 Visit Cigna Member Portal

Steps You Can Take to Verify Your Cigna Mental Health Coverage

You are your best advocate with your insurance provider, and we encourage you to reach out to Cigna directly to understand your plan.

Verify Your Benefits

To verify your benefits, you can contact Cigna via the number on the back of your insurance card and advise “I’m calling to verify my (in-network or out of network) benefits for general mental health services.”

Understanding Your Cigna Benefits

If you are having difficulty getting the information you need, another option is to call Cigna's ‘Health Advocate’ or ‘Case Manager’ department. These insurance representatives are available to help you understand your benefits. There should be a number on the back of your insurance card to contact.

Ask the Following Questions

Does my plan have In-Network or Out-of-Network benefits for [therapy, psychiatry, etc]?
Does my insurance require a referral for services?
What is my co-pay for [therapy, psychiatry, etc] services?
What is my deductible?
What is my co-insurance?
What is my out-of-pocket max?
Does my deductible, co-pays & co-insurance apply toward my out-of-pocket max?
How much of my deductible have I spent this year?
Can I have a reference number for this call?