Athena Care
Cigna Behavioral & Mental Health Coverage in Tennessee

Cigna Behavioral & Mental Health Coverage in Tennessee

Does Cigna Insurance Cover Mental Health Services?

Yes, Cigna insurance in Tennessee may cover mental and behavioral health services depending on your insurance plan’s benefits and individual needs.

How to Verify Cigna Behavioral Health and Mental Health Benefits

Athena Care is in-network with most major insurance plans. Filling out our free and confidential online insurance verification form is the simplest and quickest method to determine if Cigna covers your behavioral and mental health services and needs.

Allow our highly trained care coordinators to manage the challenges of contacting your insurance carrier for information on your Cigna mental health coverage. After you’ve completed the form, a care coordinator will review your insurance plan coverage with you and clearly explain your options. Rest assured that all information shared or discussed is confidential.

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Which Mental Health Services Are Covered by Cigna Insurance?

Cigna mental health insurance includes a variety of programs and resources for mental and behavioral health. The following is a partial list1 of services that your Cigna mental health benefits may cover:

Which Mental Health Conditions Are Covered by Cigna Insurance

Cigna insurance in Tennessee may cover the following mental health conditions:4,5

How To Find Mental Health Services Near Me in Tennessee

Thanks to Athena Care, getting mental health tests and treatments in Tennessee has never been easier. A care coordinator will assist you in finding treatment at one of our multiple Tennessee clinics. Athena Care mental health clinics are open Monday through Friday, 7:00 a.m. to 6:00 p.m.

When choosing the best Cigna behavioral health providers and mental health providers, it’s important to ask questions and keep the following in mind:

  • Education, training, license, and years of experience
  • Specialties and services offered
  • Treatment methods and philosophies
  • Insurance companies they work with
  • Office hours
  • Pricing
  • Session length

Here you’ll find a list of practitioners organized by city, along with information about their backgrounds and specialties.

Athena Care offers a full-spectrum of mental and behavioral health services to those in Tennessee.

We have qualified therapists and accept many of the big name insurance providers. Our locations are open Monday-Friday from 7am to 6pm. Learn more below:

About Cigna Health Insurance

In more than 30 nations and jurisdictions, Cigna has more than 180 million consumer and patient contacts.6 The Cigna Healthcare of Tennessee, Inc., incorporated in 1984, consists of 531 companies.7

Below is a list of Cigna Health Insurance plans offered in Tennessee:

  • Medicare Advantage Plans: a health insurance program for adults over 65 and those receiving Social Security disability benefits. These plans include Health Maintenance Organization (HMO) and Preferred provider organization (PPO) choices.
  • Medicare with Medicaid: Adults over 65 and those receiving social security benefits who are eligible for both Medicare and Medicaid can choose this HMO plan.
  • Medicare Supplement Insurance: Often known as a Medigap plan, this is a separate policy that adds to your Original Medicare Part A and Part B coverage. Medicare Supplement insurance protects you from high out-of-pocket costs by assisting with paying qualifying healthcare expenses not covered by Medicare.
  • Individual and Family Health Plans: How you and your health insurance company split healthcare costs differs depending on your plan level. However, all Marketplace plans offer flexible options and provide basic health coverage, including therapy and other mental health treatments.
    • Bronze: Low premiums with the highest out-of-pocket expenses; great if you don’t plan on seeing a doctor often.
    • Silver: Good for families and individuals who see a doctor regularly.
    • Gold: Good for frequent doctor visits and multiple prescription meds.

Does Cigna Health Insurance Cover Online Therapy

Yes, Cigna health insurance covers virtual care. By appointment, you can talk privately with a certified therapist or psychiatrist on your phone, tablet, or computer.8

What Services & Treatments Are Not Covered by Cigna?

The following is a list of Cigna mental health insurance exclusions and limitations:9

  • Alternative medicine services including but not limited to: acupuncture, massage therapy, meditation, yoga, and energy-balancing.
  • Unless medically necessary and otherwise covered, all court-mandated treatment or therapy, as well as any treatment or therapy ordered as a condition of parole, probation, custody, or visitation evaluations.
  • Treatment for mental illnesses that have been diagnosed as organic mental illnesses with long-term brain damage.
  • Residential treatment (unless there is a link to a drug or alcohol addiction).
  • Developmental disorders, such as developmental reading disorders, developmental arithmetic disorders, developmental language disorders, or developmental articulation disorders, are all examples of developmental diseases.
  • Various counseling treatments including but not limited to: activities of an educational nature, religious, marriage, and borderline intellectual functioning.
  • Children’s psychological assessment required by or for a school system.
  • Even when accompanied with supportive therapy, occupational/recreational therapy programs for age-related cognitive decline.  
  • Biofeedback (unless it’s for pain management).
  • Non-injectable prescription medications, injectable prescription drugs that do not require medical supervision and are sometimes referred to as self-administered drugs, non-prescription drugs, and experimental, investigational, and unproven drugs.
  • All services for Applied Behavioral Therapy treatment

How Much Do Mental Health Services & Testing Cost?

Costs can vary depending on your specific Cigna mental health coverage and personalized treatment needs. The following are average costs for therapy, though they may vary by location and other variables and may not reflect the actual cost of treatment or what you may actually pay. 

For example, In the United States, the typical cost of psychotherapy ranges from $100 to $20010 a session, dependent upon the state and the length of the session. With health insurance, you’ll most likely have a co-pay that can range from a few dollars to $50 or more a session.  

Cognitive Behavioral Therapy (CBT) sessions are typically 45+ minutes long and cost between $100 and $200 per session, while Dialectical Behavioral Therapy (DBT) usually consists of a weekly individual therapy session, a weekly group therapy session, and weekly phone conversations. DBT costs vary depending on the type of services rendered. 

Such factors, like whether the therapist is in-network or out of network, can influence this out-of-pocket cost. 

Even with insurance, you will normally have to pay some or all of your medical expenditures until your total medical expenses for the year reach the deductible. Depending on your plan, you may be required to pay a co-pay or coinsurance for each treatment. 

Some therapists will work with patients on a sliding scale for those who do not present insurance. If you find a therapist who offers a sliding scale payment plan, they will most likely base the cost of your sessions on your income. This sliding scale can also vary from therapist to therapist.  


  1. “Level of Mental Health Care.” Cigna, 2022, https://www.cigna.com/individuals-families/health-wellness/mental-health-care
  2. “Mental Health Assessment.” Cigna, 2022, https://www.cigna.com/individuals-families/health-wellness/hw/medical-tests/mental-health-assessment-aa79756
  3. “Neuropsychological Tests.” Cigna, 2022, https://www.cigna.com/individuals-families/health-wellness/hw/medical-tests/neuropsychological-tests-abk8683
  4. “Neuropsychological Tests.” Cigna, 2022, https://www.cigna.com/individuals-families/health-wellness/hw/medical-tests/neuropsychological-tests-abk8683
  5. “Mental Health Assessment.” Cigna, 2022, https://www.cigna.com/individuals-families/health-wellness/hw/medical-tests/mental-health-assessment-aa79756
  6. “Company Profile.” Cigna, 2022, https://www.cigna.com/about-us/company-profile/
  7. “Cigna Healthcare of Tennessee, Inc.” Dun & Bradstreet, Inc., 2022, https://www.dnb.com/business-directory/company-profiles.cigna_healthcare_of_tennessee_inc.f77bfb0427f3846110bc972711692d40.html
  8. “Virtual Care (Telehealth) Options.” Cigna, 2022, https://www.cigna.com/individuals-families/member-resources/virtual-care-options
  9. “Exclusions and Limitations: What is Not Covered By This Policy.” Cigna Connect, 2019, https://www.cigna.com/static/www-cigna-com/docs/individuals-families/2019/medical/common/2019-nc-connect-exclusions.pdf
  10. Lauretta, Ashley. “How Much Does Therapy Cost?” edited by Alena Hall, Forbes Health, 2021, https://www.forbes.com/health/mind/how-much-does-therapy-cost/

If you suspect that you or someone you love suffers from mental health disorders, contact Athena Care today.

One of our friendly associates will help you get the help you need. Take this first step to feel better and take control. 

(615) 320-1155