Cigna Mental Health Coverage

One of the biggest roadblocks to seeking mental health treatment is the cost. Even with insurance, figuring out mental health benefits and out-of-pocket expenses can be overwhelming. Fortunately, Behavioral Health Centers can help you navigate your Cigna mental health coverage and find affordable treatment.

Verify Your Benefits

What is your addiction really costing you? Getting clean is within your reach. Behavioral Health Centers (BHC) is here to help.

Your insurance may cover all or some of your rehab at a BHC facility.

About Cigna Health Insurance

Cigna is a health insurance company that covers 180 million people in 30 countries. It offers health maintenance organization (HMO), preferred provider organization (PPO) and open-access plans (OAP) as well as health savings accounts (HSA). Plans differ in the network of providers and out-of-pocket costs, including the deductible, copay and coinsurance fees.

In-Network vs. Out-of-Network

Your insurance plan might specify between in-network and out-of-network providers. In-network providers are those who work with the insurance company to charge discounted rates, and the rest are out-of-network. Your costs will usually be lower with in-network providers. Some plans won’t cover out-of-network care at all. It’s important to determine which providers are in your network or not covered when choosing a mental health treatment facility.


Some insurance plans have copays, which are flat fees you’ll pay for certain services and are usually printed on your insurance card. For example, you might have a $30 copay for routine doctor visits or a $10 copay on prescription medications. Some plans have both copays and a deductible. Copays typically don’t count towards your deductible unless the plan specifies otherwise.

Understanding Your Deductible

If your insurance plan has a deductible, that’s the amount of money you have to pay in a year before the insurance begins covering costs. For example, if you see Cigna health insurance plans with a $2,000 deductible, the subscriber will have to pay out-of-pocket for $2,000 of medical care before Cigna pays for any. High deductible plans usually have lower premiums and vice-versa. The best option for you will depend on how often you need medical care and the the type of treatment you receive.

If you’re shopping for health insurance on the federal government’s Health Insurance Marketplace, you’ll see the percentage split of what the plan pays and what you pay:

  • Bronze plans pays 60% and you pay 40%
  • Silver plans pays 70% and you pay 30%
  • Gold plans pays 80% and you pay 20%
  • Platinum is 90% and you pay 10%

Premiums increase with each level. If you know you need extended or intensive care, such as residential behavioral health treatment, a Gold or Platinum plan may save you money in the long run.


Some health insurance coverage includes coinsurance charges after you meet your deductible. This is listed as a percentage, with higher percentages meaning a higher out-of-pocket cost. If your plan has an out-of-pocket maximum, the insurance company covers 100% of your medical costs once you reach that amount.

About Cigna Health Insurance

Verify Your Benefits

What is your addiction really costing you? Getting clean is within your reach. Behavioral Health Centers (BHC) is here to help.

Your insurance may cover all or some of your rehab at a BHC facility.

Cigna Mental Health Coverage

Thanks to the Patient Protection and Affordable Care Acts, mental health care is considered essential and your insurance company must cover it. This includes inpatient and outpatient substance abuse treatment. In addition, an insurance company can’t place a limit on how much mental health treatment it will cover. No matter how much treatment you receive or how much it costs, it must be covered the same as any other medical care. Out-of-pocket costs will still vary between plans.

Your Cigna mental health coverage gives you access to most types of treatment. Mental health services include therapy, medication, outpatient treatment, inpatient treatment, emergency services and more. Following is a sample of what Cigna covers listed by category.

cigna health insurance

Covered Mental Health Issues

Covered Mental Health Services

Hospital Care

Some hospitals specialize in behavioral health services. These could be part of a larger hospital that also offers general health treatment or a standalone facility. If you’re experiencing a crisis, go to the nearest emergency room. Hospital behavioral health services may include the following:

  • Detox
  • Inpatient care
  • Residential treatment
  • Intensive outpatient programs
  • Emergency services and assessments
  • Specialized or higher-level care

Clinic Care

Cigna defines a clinic as a facility where multiple types of mental health providers work together for the patients. Some are only staffed by counselors and others have a range of psychiatrists, doctors and therapists.

Behavioral Health Centers, for example, are staffed by a variety of health care providers to help with every step of detox and treatment. A behavioral health clinic might offer many of the same services as hospitals, but without emergency services and with a focus on long-term and residential care.

Covered Mental Health Services

Substance Abuse Treatment Coverage

Cigna mental health coverage treats substance abuse disorders the same as any other mental health issue. Outpatient care, inpatient care, partial hospitalization, residential treatment, therapy, medications and more are covered.

Outpatient Care

  • 12-Step programs
  • Individual counseling
  • Substance abuse disorder intensive outpatient program (IOP)
  • Partial hospitalization
  • Ambulatory detox

Inpatient Care

  • Inpatient detox
  • Acute care
  • Residential treatment

Finding Behavioral Health Services

Finding a behavioral health facility is the first step in treating mental health issues. Start by checking with Cigna to see what your insurance plan covers, what providers are in-network and what your out-of-pocket costs will be. While most Cigna insurance plans cover all types of mental health care, your costs may vary.

If you’re unsure how to check your Cigna mental health coverage or it feels too overwhelming, the staff at Behavioral Health Centers will work with Cigna to find out what’s covered and what you’ll need to pay. If you’re looking for behavioral health services in Florida, contact us online or by calling (772) 774-3872. We’ll help you get started with affordable inpatient care.

Get Help Today

Don’t let the cost of substance abuse treatment deter you from getting the help you need. Behavioral Health Centers is a treatment facility that is committed to taking every step necessary to ensure your treatment is accessible and affordable. If you or someone you love is struggling with an addiction to alcohol or drugs, reach out today and take the first step in your recovery journey.