Cigna Insurance

Cigna Insurance & Therapy Services

We Accept Cigna Insurance here at Freedom Within Center

At Freedom Within Center, we are proud to accept Cigna (also referred to as Evernorth, since Evernorth is the Behavioral Health portion of the insurance plan) as part of our accepted insurance panels. This means lower out-of-pocket costs and fewer administrative barriers for many of our clients. We provide counseling to people with Cigna insurance both in person in San Diego and virtually throughout CA.

Please note that insurance benefits vary by plan, so we encourage you to verify your coverage using the guidance below. Most, if not all, of our providers are able to see clients as in-network with Cigna.

What Your Cigna Plan May Cover

Individual Therapy including trauma work, EMDR, and more
In-person and Telehealth / virtual sessions (depending on your plan)
Nutrition Counseling – some sessions may even be covered in full!

Copays, coinsurance, and deductibles may apply. Most clients with Cigna have low out-of-pocket costs and can begin care right away without needing preauthorization.

How to Verify Your Cigna Benefits (What to Ask)

We are happy to reach out to your insurance to verify your benefits. However, if you’d like to call yourself, contact Cigna member services (the number on the back of your insurance card) and ask:

“Do you have Freedom Within Therapy and Wellness Center in your mental health network?”
- You can provide our Group NPI: 1548700891
“For outpatient therapy / behavioral health, what is my:
- Copay or coinsurance?
- Deductible?
- Number of covered sessions per year?
- Is preauthorization or referral required?
- Is telehealth covered at parity with in-person?”
“If you don’t cover 100% of the cost, can I submit a superbill for out-of-network reimbursement?”

Have your member ID, group number, and plan type (e.g., PPO, HMO) available. Write down what they tell you, including the representative’s name and date.

Please remember there is no guarantee of covered services, as plans may misquote benefits.

Rates & Your Out-of-Pockets Costs

Since we are in-network with Cigna, you will likely only be responsible for your copay or deductible, if applicable.

If you have a deductible, you’ll need to meet that amount before your sessions are covered.
After meeting your deductible, you may owe a coinsurance (typically 10–20%).

Late cancellation fees are not covered by insurance. Our standard $100 fee applies if you cancel with less than 48 hours’ notice.

We’ll review your financial responsibility at intake, based on your plan and what your insurance tells us.

How is my information shared?

Insurance companies will often require a diagnosis to reimburse for services as they need to deem treatment “medically necessary” in order to pay for the support. This means we will share the diagnosis with the insurance company when we bill for services. You are always welcome to obtain that diagnosis from your therapist by asking.

Can I keep my information private?

Absolutely. If you’d prefer to have your information kept more private you might consider paying privately for sessions instead of using your insurance benefit. This gives you more control over how your records are shared and documented.

Still have questions? Give us a call!

FAQs

What if my plan doesn’t cover all of our sessions?

You can continue care on a private pay basis. Many clients use this route once insurance benefits run out.

Can I choose any clinician in your practice under Cigna?

Most, if not all, of our clinicians are in-network with Cigna. If not, we’ll inform you ahead of time so you can check your out-of-network benefits.

Is telehealth covered at the same rate as in-person sessions?

Usually yes, but confirm with Cigna. Most plans now cover virtual therapy.

What if I change insurance during treatment?

Let us know in advance, and we’ll help you transition care or verify new benefits.

Can I use my FSA/HSA account to cover my deductible or co-pays?

Absolutely! Check with you FSA benefits but they are typically designed to help cover healthcare costs such as co-pay, deductibles, co-insurances and any other out of pocket medical costs.

How do I find a therapist who accepts Cigna

When you call, we’ll take the time to understand what you’re hoping to work on and connect you with the Cigna in-network therapist who’s the best fit for you and your situation.

Next Steps – Let’s Get You Started!

Call us with your insurance information. We’ll verify your benefits and let you know your estimated cost.

Most clients do not need prior authorization and can begin therapy immediately. Want to double check your benefits? Call Cigna using the guide above and share your findings with us.

Questions? Email help@freedomwithincenter.com — we’re happy to help you understand your plan.

Disclaimer: Insurance network status and coverage may change. This page is informational and not a guarantee of coverage. Always verify benefits directly with Cigna.