Networks change. We verify your specific Cigna plan before your first visit; call with your member ID and we will confirm benefits, copay and any referral or authorization requirements.
Also appears on cards as: Evernorth Behavioral Health, Cigna Healthcare, Cigna HMO/EPO/POS/PPO.
Cigna Healthcare administers employer-sponsored and individual plans with behavioral health coverage through Evernorth, its health services division. Mental health benefits follow parity rules, so an in-network psychiatry visit costs the same specialist copay or coinsurance as a comparable medical visit. Cigna Open Access Plus and PPO plans do not require referrals for behavioral health, and even Cigna HMO products generally allow direct access to in-network psychiatrists. Telehealth psychiatry is a standard covered benefit for Florida and South Carolina members, paid at parity with office visits, and Cigna accepts both video and, in many plans, audio-only visits for established patients.
Cigna's coverage policy for transcranial magnetic stimulation covers TMS for major depressive disorder when there is documented failure of at least two antidepressants from different classes at adequate doses, or intolerance, along with a trial of evidence-based psychotherapy and a current severity measure. Prior authorization through Evernorth Behavioral Health is required, and approvals typically cover a standard course with a continuation request for tapering sessions. Spravato is covered under the medical benefit with prior authorization, documentation of treatment-resistant depression and an oral antidepressant, and administration at a REMS-certified site. Our staff handle the authorization paperwork and keep you informed of timelines.
What we check before your visit
- Whether your plan is in network at the office you chose and for telehealth
- Your copay or coinsurance for an evaluation and for follow-ups
- Whether a primary-care referral is required (common with HMO plans)
- Prior-authorization criteria for Deep TMS and Spravato, if those are being considered
Frequently asked questions
Is Stedfast Psychiatry in Cigna's network?
Stedfast Psychiatry accepts most Cigna commercial plans in Florida and South Carolina. Cigna behavioral health is managed by Evernorth, which maintains its own provider directory. Confirm by calling the mental health number on your card or by asking our front desk to verify your eligibility and cost share before you book.
How much does a psychiatry visit cost with Cigna?
Most Cigna plans charge a specialist copay, often $30 to $60, for outpatient mental health visits once you are in network. High-deductible plans charge the contracted rate until the deductible is met, then coinsurance. Your plan's summary of benefits shows the outpatient mental health line, and our staff can confirm it in advance.
Does Cigna cover telehealth psychiatry?
Yes. Cigna covers video visits with in-network psychiatric providers at the same benefit level as office visits. You need to be located in Florida or South Carolina during the visit. Audio-only visits may be covered for follow-ups under some plans, but video is the standard and allows a full assessment.
What does Cigna require for Deep TMS approval?
Cigna requires prior authorization and documentation of major depressive disorder with inadequate response to at least two antidepressants, a trial of psychotherapy, and a current symptom score such as a PHQ-9. Our Palm Beach Gardens TMS team compiles the history, submits it to Evernorth, and follows up until a decision is issued.
Does Cigna cover Spravato?
Cigna covers Spravato for treatment-resistant depression with prior authorization. Criteria include failure of at least two antidepressants, a concurrent oral antidepressant, and treatment at a REMS-certified site. The drug may be billed through the medical or specialty pharmacy benefit depending on your plan. We handle the authorization and explain your expected cost share.