Therapists accepting Cigna in Illinois

Seeing a Therapist Who Accepts Cigna Insurance

Cigna therapists, psychologists, and counselors are available for in-person appointments and video therapy sessions. 

Therapy with an in-network Cigna counselor may cost no more than your copay, which typically ranges from $0 to $50. Some Cigna plans may require you to pay coinsurance instead of a copay, which means you’ll cover a certain percentage of the therapist’s fees out-of-pocket. 

If you haven’t met your annual deductible with Cigna, you may have to pay the therapist’s full rate, even if they’re an in-network provider with Cigna.

Depending on your Cigna insurance plan, there may be restrictions on the types of therapy services covered (e.g. couples counseling, grief counseling, psychological testing). Additionally, some plans may require you to get a referral from your primary care physician.

To check the specific costs and coverage details associated with your Cigna health insurance plan, give them a call at (800) 997-1654 or check the Cigna website to review your Cigna behavioral health benefits online. 

Finding Psychologists, Therapists, and Counselors in Illinois

Finding a therapist in Illinois is easiest in the city of Chicago. Online therapy may be a good option if you live in more rural areas or if a therapist with a particular specialty is not located near you. 

Out of pocket costs for therapy in Illinois will run between $100 - $130+ per session. For couples counseling and family therapy, costs might start at $100 - $125+ per session. First appointments with a therapist tend to be a little longer and may cost a little more. Also, it’s important to note that specialized services can cost more.

There are currently over 38,000 counselors working in Illinois with licenses, including Licensed Clinical Social Workers (LCSW), Licensed Marriage and Family Therapist (LMFT), Licensed Clinical Professional Counselor (LCPC), and Psychologists (Ph.D. and Psy.D.). 

If you think you might qualify for free or reduced-cost services from the state, take a look at the IDHS website and/or see if you qualify for Medicaid.

Licensed clinicians (and even interns) are held to strict practice guidelines to protect clients. If you’d like to learn more about identifying and reporting misconduct, learn more here.