Does Cigna cover therapy in Maryland?

Cigna typically covers therapy sessions in Maryland, 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 Maryland 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 Maryland with Cigna?

The cost of therapy in Maryland 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 Maryland 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 Maryland

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

Top Cigna-covered therapists and psychiatrists in Maryland

Access talk therapy and medication management support across Maryland with Headway's network of 2,414 providers accepting Cigna insurance. Enjoy copays between $0-$25, flexible scheduling with next-day availability, and sessions conducted virtually or in-person to fit your lifestyle.

Dr. Oretha Sogbie

Psychiatric Mental Health NP

Virtual • Bel Air, MD

If you've been working, parenting, caring for others, and meeting your responsibilities while quietly feeling overwhelmed, exhausted, or stuck, you're not alone.

I'm Dr. Oretha Sogbie-Berko, a Doctor of Nursing Practice and dual board-certified Psychiatric Mental Health and Adult-Gerontology Acute Care Nurse Practitioner with more than 19 years of healthcare experience. I work primarily with adults who appear to be functioning well but no longer feel like themselves. Behind the scenes, they may be managing anxiety, depression, burnout, caregiver stress, low self-esteem, ADHD symptoms, or a difficult life transition.

I offer both individual therapy and psychiatric medication management. Some clients choose therapy alone, others benefit from medication, and many find that a combination works best. If you'd prefer to start without medication, that's a completely valid place to begin.

I'll offer clinical guidance and honest feedback, but you'll always have a voice in your care. You don't need to know whether you need therapy, medication, or both before reaching out. We can evaluate your concerns, discuss your options, and decide together.

If you're ready to feel more like yourself again, I'm here to help

Cigna + 6 others

ADD/ADHD, Anxiety, Bipolar disorder, Depression, Grief or loss

Direct, Solution-oriented, Warm

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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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