Mental Health Benefits of Cigna Coverage
Your mental health is a top priority, and having Cigna insurance helps ensure you receive quality, affordable care at trusted treatment facilities.
Cigna’s mental health benefits are designed to reduce out-of-pocket costs and make evidence-based therapies—such as individual counseling, group therapy, medication management, and inpatient or outpatient programs—more accessible.
Depending on your specific plan, Cigna Insurance for Mental Health Treatment in Atlanta, GA, offers payment assistance for a wide range of mental health treatments and services, including therapy for conditions like anxiety, depression, mood disorders, and more. Coverage may extend to virtual care, crisis support, and specialized programs for teens, couples, and families.
Using your Cigna plan can make mental health care significantly more affordable, allowing you to focus on your well-being and recovery without added financial stress. For details about your coverage, contact your provider or treatment center to verify your benefits and learn how to maximize your mental health insurance support.
Qualifying for Mental Health Treatment with Cigna Plans
Cigna covers many mental health services, but specific criteria must be met to qualify for coverage. When you verify your insurance with The Summit Wellness Group, we’ll ask questions to understand your mental health needs better and ensure you meet Cigna’s requirements for treatment.
These questions may include:
- What mental health symptoms or diagnoses have you experienced?
- How long have you been experiencing these symptoms?
- How often do these symptoms affect your daily life?
- When did you last receive mental health treatment?
- Have you sought therapy, medication management, or other support in the past?
This information helps us determine the most appropriate level of care and confirm your coverage details with Cigna. We want to ensure you receive the support you need, in line with your insurance benefits so that you can focus on your mental health and recovery.
Mental Health Treatment Center Costs with Insurance Providers
Health insurance plans can significantly reduce the cost of mental health treatment, often requiring you to pay only a deductible or copay rather than the full cost of care.
Cigna offers a variety of policies with different levels of coverage for mental health services, and some plans may even fully cover the cost of treatment.
To understand your specific coverage, contact our intake team. We’ll review your mental health needs, discuss your symptoms and treatment goals, and connect with Cigna to clarify your benefits and payment options.
Under the Affordable Care Act (ACA), mental health and behavioral health services are recognized as essential health benefits. This means insurance providers, including Cigna, must offer coverage for mental health treatment, ensuring you have access to the support and care you need.
Understanding the Difference between In-Network vs. Out-of-Network
If your health insurance is out of network for a mental health treatment center, there is no contract between your insurer and the facility. You can still choose to receive care at an out-of-network mental health center if it best meets your needs, but you will likely need to pay the full cost upfront and then seek reimbursement from your insurance provider.
Typically, reimbursement rates for out-of-network care are lower, resulting in higher out-of-pocket expenses.
In contrast, in-network mental health providers have contracts with insurance companies, making treatment much more affordable. Depending on your plan, the treatment center will bill your insurance directly, so you may only be responsible for a small copayment—or, in some cases, nothing at all.
In-network facilities also offer greater convenience, as you don’t need to handle reimbursement paperwork or worry about unexpected costs.
Mental Health Programs Covered by Cigna
Cigna insurance covers a wide range of mental health treatment programs, ensuring you receive at least partial payment assistance regardless of your specific plan.
Cigna covers mental health services such as:
- Detoxification (when related to medication management or mental health stabilization)
- Partial Hospitalization Programs (PHP)
- Intensive Outpatient Programs (IOP)
- Outpatient Treatment
These options allow you to access the level of care that best fits your mental health needs and recovery goals.
Mental Health Treatment Services Covered by Cigna Insurance
Cigna insurance covers various mental health treatment services, making quality care more accessible and affordable for individuals and families.
Coverage typically includes:
- Prescription Medications: Medications prescribed for mental health conditions, such as antidepressants, mood stabilizers, or anti-anxiety medications, are covered as part of your treatment plan.
- Therapy Sessions: Individual, group, and family therapy are included, allowing you to work with licensed mental health professionals to address conditions like depression, anxiety, PTSD, and more.
- Support Groups:
Participation in support groups, including community-based programs and peer-led groups, is often covered to help you build connections and receive encouragement from others facing similar challenges. - Aftercare and Outpatient Services:
Ongoing support after intensive treatment—such as outpatient therapy, medication management, and relapse prevention planning—is included to help maintain long-term mental health and stability.
Cigna’s mental health benefits are designed to support you at every stage of your recovery, from initial assessment through ongoing care, ensuring you have access to the resources you need for lasting wellness.
Why Choose The Summit Wellness Group for Mental Health Care
At The Summit Wellness Group, we offer more than just state-of-the-art facilities—we provide a compassionate, client-centered environment where skilled clinicians deliver the highest standard of mental health and dual-diagnosis care.
Our team specializes in treating both mental health conditions and co-occurring substance use disorders, helping individuals heal and regain balance in their lives.
Our facility is accredited by the Joint Commission, reflecting our commitment to the highest safety and quality standards. Our clinical staff hold a range of professional licenses and credentials, and our many 5-star Google reviews highlight our positive impact on our clients’ lives.
Untreated mental health conditions and substance use can affect every aspect of your life, from your physical and emotional well-being to your relationships and career. We are dedicated to helping you break free from these challenges and find lasting peace and stability.
Our Mental Health and Addiction Treatment Programs
We offer a full continuum of care to meet you wherever you are in your recovery journey:
Medical Detox: For those with severe substance use or withdrawal symptoms, our residential detox program provides 24/7 medical supervision to ensure safety and comfort. This intensive support reduces the risk of complications and relapse during early recovery.
Partial Hospitalization Program (PHP): Our most intensive outpatient program, PHP typically lasts 2–4 weeks and involves up to 30 hours of treatment per week. Clients participate in individual, group, and family therapy, as well as holistic and 12-step support, while returning home in the evenings.
Intensive Outpatient Program (IOP): IOP is a step-down level of care, usually lasting 3–6 months. It offers flexible daytime treatment using the same evidence-based therapies as PHP, but with fewer weekly hours. This program is ideal for those transitioning from higher levels of care or needing structured support while maintaining daily responsibilities.
Sober Living & Aftercare: We help clients transition back into daily life with structured sober living options and personalized aftercare planning. Sober living provides accountability with regular meetings, curfews, and drug testing, while ongoing support groups and therapy help maintain progress.
Comprehensive, Evidence-Based Services
Our treatment approach combines a variety of proven and holistic therapies, including:
- Cognitive Behavioral Therapy (CBT)
- Dialectical Behavior Therapy (DBT)
- Motivational Enhancement Therapy
- Group and Family Therapy
- Eye Movement Desensitization and Reprocessing (EMDR)
- Holistic therapies such as yoga, massage, meditation, nutrition counseling, fitness, art therapy, and adventure activities
Get Help for You or a Loved One Today
Our personalized treatment plans are designed to help you overcome mental health challenges and substance use so that you can build a brighter, healthier future. We work with Cigna and many other insurance providers to make care accessible.
Contact our admissions team today if you or a loved one needs support. The Summit Wellness Group is here to guide you on your journey to recovery. Call us at (770) 790-4510 to connect and discover which of our programs is right for you.