How to use Cigna for therapy in Georgia.
Step-by-step guide to using your Cigna insurance for therapy in Georgia. Learn about Cigna behavioral health benefits, copays, and how to start therapy.
The four-step play
From benefits check to first session.
We do steps 1–3 with you over the phone if you’d rather skip the legwork.
Check Your Cigna Behavioral Health Benefits
Verify your Cigna plan covers outpatient mental health services. Call Cigna member services at 1-800-244-6224 or log in to myCigna.com.
- Ask for your copay for outpatient behavioral health visits (usually $25-$40)
- Confirm your deductible balance and what has been met
- Ask about visit limits for outpatient therapy
- Check if your EAP provides free initial sessions
- Note your Cigna plan ID and group number
Find an In-Network Cigna Provider in Georgia
In-network providers offer the lowest out-of-pocket cost. MentalSpace Therapy is in-network with most Cigna behavioral health plans in Georgia.
- Call MentalSpace Therapy at 404-832-0102 -- we verify your Cigna benefits for free
- Search Cigna's directory at cigna.com/find-a-doctor
- Filter by behavioral health providers in your Georgia area
- Confirm with the provider that they accept your Cigna plan
- Ask about telehealth options for online sessions
Schedule Your First Therapy Session
Have your Cigna insurance card ready when scheduling. Your provider will verify your coverage before your first appointment.
- Provide your Cigna member ID, group number, and plan type
- Describe your therapy goals briefly
- MentalSpace Therapy verifies your exact copay before your visit
- Most Cigna plans do not require a referral for outpatient therapy
- Ask about evening and weekend appointment availability
Attend Your Session and Understand Billing
Pay your copay at the appointment. Cigna is billed directly by your therapist for the covered amount.
- Pay your copay ($25-$40) at the time of service
- Your therapist submits the claim to Cigna after each visit
- Cigna processes claims and sends you an EOB in 2-4 weeks
- Review your EOB to confirm the balance matches expectations
- Contact MentalSpace Therapy billing with any questions about claims
What’s usually covered
Common Cigna therapy benefits.
Plans vary — confirm with us before your first session.
Individual Therapy
$25-$40 copay per session on most Cigna plans
Couples/Family Therapy
Covered at the same rate as individual therapy
Telehealth Sessions
Virtual therapy covered at the same copay as in-person
EAP Sessions
Many Cigna plans include free EAP sessions through your employer
Integrated Care
Mental health benefits coordinated with your overall health plan
No Referral Needed
Direct access to in-network behavioral health providers
Cigna therapy FAQ
The questions members ask first.
Can I use Cigna EAP benefits at MentalSpace Therapy?
Yes. If your employer offers Cigna EAP services, you may be eligible for a set number of free sessions. Contact us to check your EAP eligibility.
Does Cigna cover therapy for teens?
Yes. Cigna covers outpatient therapy for adolescents and teens when provided by a licensed, in-network provider.
What if Cigna denies a therapy claim?
Contact MentalSpace Therapy billing first. We can review the denial reason and help you file an appeal with Cigna. Most denials are resolved with additional clinical documentation.
How many therapy visits does Cigna cover per year?
Visit limits vary by plan. Most Cigna plans cover 12 to 20 outpatient visits per year, with extensions available based on medical necessity.
Does Cigna cover EMDR therapy?
Most Cigna plans cover EMDR when it is deemed medically necessary and provided by a licensed, in-network provider. Contact us to verify your specific coverage.
We’ll verify your Cigna benefits free of charge.
Have your member ID handy. We’ll tell you your exact copay before your first session.