Does Cigna cover therapy in Florida?

Cigna typically covers therapy sessions in Florida, but coverage details may vary depending on your specific plan. You can confirm the mental health benefits of your specific plan by doing any of the following: - Enter your insurance plan details on Headway to see if we can instantly verify - Visit your insurance company's website or app - Review your EOB (explanation of benefits) and look for details on "behavioral health benefits" - Call your insurance company directly to ask

How can I find a therapist or psychiatrist in Florida that accepts Cigna?

Select your state and insurance on Headway — then, use filters to add any other preferences such as ethnicity, age, gender, and therapy style. We'll provide a list of providers who accept Cigna and match your preferences, and you'll be able to review their profiles and book directly.

How much does Cigna cover for therapy?

Cigna typically covers a percentage of therapy costs, but the exact amount depends on your plan's specific benefits, such as copays, deductibles, and coinsurance. You can estimate your session costs by entering your insurance details on Headway. You can also review your plan documents or contact Cigna to understand your coverage.

How much does therapy cost in Florida with Cigna?

The cost of therapy in Florida with Cigna varies based on factors like the type of session, amount of sessions, and other elements of your plan's coverage details. In-network therapists typically charge lower rates than out-of-network providers. Headway can often provide instant estimates for your session costs after you enter your insurance details on Headway.

What types of therapy are covered by Cigna?

Cigna generally covers various forms of therapy, including individual, group, and family therapy, as well as different therapeutic approaches like CBT or psychodynamic therapy. Check your plan documents or contact Cigna to confirm specific coverage.

Does Cigna cover online therapy?

Many Cigna plans cover online therapy, also known as teletherapy, but coverage may depend on the specific plan and provider. Check with Cigna to confirm online therapy coverage.

Does Cigna require a referral to a psychiatrist?

Some Cigna plans require a referral from a primary care physician to see a specialist like a psychiatrist, while others do not. Check your plan documents or contact Cigna to determine if a referral is needed.

Does Cigna covered prescribed medications?

Cigna typically covers prescribed medications, including those related to mental health treatment, but coverage details vary by plan. Review your plan's formulary (a list of covered medications) and coverage details to understand your medication costs.

What does it mean when a provider is in-network or out of network?

An in-network provider has a contract with Cigna to offer discounted rates, while an out-of-network provider does not, resulting in higher costs for you. Choosing in-network providers typically reduces your out-of-pocket expenses. Every provider on Headway accepts insurance, and you can find providers in-network with Cigna in Florida on Headway.

What is a deductible?

A deductible is the amount you must pay out-of-pocket for healthcare services before your Cigna coverage kicks in. Once you meet your deductible, Cigna typically covers a portion of your medical expenses.

Coinsurance is the percentage of healthcare costs you pay after meeting your deductible, with Cigna covering the remaining percentage. For example, if your coinsurance is 20%, you'll pay 20% of the costs, and Cigna will pay 80%.

A copay, or copayment, is a fixed amount you pay for a specific healthcare service, such as a doctor's visit or therapy session. Copays vary by plan and service, and are usually due at the time of service. Headway can often provide instant estimates for your copay and any other session costs after you enter your insurance details on Headway.

Find Cigna therapists & psychiatrists in Florida

Get a cost estimate

People with insurance pay as low as $0 per session through Headway

Top Cigna-covered therapists and psychiatrists in Florida

Headway connects Florida residents with 8,933 providers for flexible talk therapy and medication management through Cigna. Patients save an average of 75% on sessions with copay ranges from $0-$35.

Kelly Richards

Therapist

Virtual & in-person • Naples, FL

I offer a brief 15-minute phone consultation to ensure a good fit before scheduling. Call or text: 239-354-7446.

I’m a licensed mental health counselor (LMHC) and certified clinical trauma professional (CCTP) specializing in trauma and anxiety. I help people who feel overwhelmed or stuck find relief and feel more like themselves again. I use evidence-based approaches including CBT and am trained in EMDR. I hold a master’s degree in Clinical Mental Health Counseling and a bachelor’s degree in Psychology.

Cigna + 13 others

ADD/ADHD, Anxiety, Maternal mental health, Stress management, Trauma

Direct, Humorous, Open-minded

Offers free consultationsView profile and book

Christina Octa

Therapist

Virtual • Florida

“I enjoy being able to help clients find newer meaning in their experiences as well as the voice they've had all along.”

Cigna + 7 others

ADD/ADHD, Anxiety, Chronic conditions, Depression, Grief or loss

Affirming, Inquisitive, Open-minded

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What type of therapy does Cigna cover?

Individual therapy

Couples therapy

Family therapy

Child therapy

Teen therapy

Psychiatry

Online therapy

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