Cigna Therapists in New York, In-Network Online Therapy
$20
average Cigna copay
10 mins
to verify your exact copay
91+
therapists in-network
Manhattan Mental Health Counseling is in-network with Cigna (Evernorth Behavioral Health) across New York State. We provide 100% online therapy with 91+ therapists specializing in anxiety, depression, PTSD, ADHD, and trauma. Most in-network Cigna members pay around $20 per session, and no referral or pre-authorization is required. We respond and verify your exact Cigna benefits within 24 hours, and your first session is often within 5 days of submitting the form.
BY THE NUMBERS
Cigna Therapy at MMHC, By the Numbers
Therapists
Format
Coverage varies by plan; we verify your exact benefits for free. Cigna behavioral health plans often apply a copay rather than a deductible.
Quick Answers About Cigna Therapy in NYC
$20
Is Evernorth the Same as Cigna?
Yes. Evernorth Behavioral Health is Cigna's behavioral health administrator. Cigna rebranded Cigna Behavioral Health to Evernorth on September 1, 2021. MMHC is in-network under both names.
Most MMHC Cigna members pay around $20 per session.
Yes. Evernorth Behavioral Health is Cigna's behavioral health administrator. Cigna rebranded Cigna Behavioral Health to Evernorth on September 1, 2021. MMHC is in-network under both names.
Does Cigna Cover Mental Health Therapy in NYC?
Yes. Cigna plans include outpatient mental health coverage, including individual therapy, telehealth sessions, and treatment for anxiety, depression, PTSD, and OCD. Coverage applies when the therapist is in-network and the treatment is medically necessary. To use those benefits you need therapists who take Cigna, and MMHC is in-network across New York State.
Under the federal Mental Health Parity and Addiction Equity Act of 2008, behavioral health benefits cannot carry stricter financial requirements or treatment limits than medical and surgical benefits (MHPAEA, via CMS). In practice, this means Cigna's copays, deductibles, and visit limits for outpatient therapy can be no more restrictive than the ones it applies to medical care, and most Cigna plans do not impose hard session caps on outpatient therapy. A Cigna member can typically attend weekly sessions for as long as the work is clinically warranted and the plan stays active.
Cigna has also removed prior authorization requirements for routine outpatient mental health care. This means you can typically begin therapy with a Cigna in-network provider without waiting for plan approval. We verify your specific plan details before your first session, so you walk in knowing your exact cost.
What Cigna Therapy Covers in NYC
Cigna's behavioral health plans cover outpatient mental health services, including individual therapy, couples sessions, and telehealth. Cigna's behavioral health network is administered by Evernorth Behavioral Health (formerly Cigna Behavioral Health, rebranded September 1, 2021), and we are in-network on both sides. The copay range and coverage rules apply consistently whether your card says Cigna or Evernorth. Manhattan Mental Health Counseling is an online (telehealth) therapy practice serving all of New York State, in-network with Cigna, with more than 5,000 clients served since 2014 and a 4.0 Google rating. Most MMHC Cigna members in NYC pay around $20 per session.
The Conditions Cigna Covers Are What We Treat Every Day
About 1 in 4 New York City adults experiences a mental health disorder in a given year (NYC DOHMH, 2024). The conditions Cigna covers (anxiety, depression, PTSD, OCD, eating disorders, ADHD, burnout, grief, and substance use) are the conditions our therapists work with every day, and they are the ones New Yorkers most often come to therapy for.
The Three Questions Left to Answer
If you have Cigna and live in New York State, you almost certainly have therapy coverage already. The questions still open are which therapist fits, how fast you can start, and what your specific plan will charge you per session. Those are the three we answer for you before you book.
To verify your Cigna coverage and get matched, call 212-960-8626 or fill out the form at the bottom of this page. Our Therapy Coordinator, Judy, calls Cigna directly to verify your benefits, confirm your copay and any deductible, and reports the numbers back before we book your first session. You never sit on hold with the carrier.
Why MMHC Is Different for Cigna Members
Most Cigna members trying to start therapy hit the same wall. The directory lists therapists who are not taking new clients, the copay stays unclear until the first bill lands, and the matching gets left to whoever happens to have an open slot.
100%
We handle the Cigna part for you
Our Therapy Coordinator, Judy, calls Cigna directly to verify your in-network status and confirm your exact copay and any deductible before we book your first session. You start therapy knowing the number, instead of sitting on hold with the carrier or waiting on a bill to find out.
- No in-network wait queue. Cigna members do not wait longer than out-of-network or cash-pay clients. In-network rates, same speed.
- Coverage continuity through plan changes. If your Cigna plan shifts mid-year (new employer, plan transition, network change), we re-verify and re-bill so you keep your therapist instead of starting over.
- Measurement based care. We use validated measures (PHQ-9 for depression, GAD-7 for anxiety) to track whether therapy is actually moving, not just whether you keep showing up.
- Evening and weekend availability. Sessions outside the 9-to-5, so the work fits around your meetings, your kids and your commute.
How to Find a Cigna Therapist in NYC
To find a Cigna therapist in NYC, you can search Cigna's in-network directory or the myCigna portal yourself, or submit one form to MMHC and we handle the Cigna side for you. You do not have to work out the Cigna part on your own. Here is the exact sequence once you reach out:
- You submit the form or call.Share your Cigna details and what you are looking for. Two minutes, no benefits jargon required.
- We call Cigna to verify your benefits.Our Therapy Coordinator, Judy, calls Cigna to confirm your in-network status, your exact copay, and whether any deductible applies, then reports the numbers back to you. You never sit on hold.
- We match you to a therapist who fits.You get a clinician who works with the specific thing that brought you in, not whoever happens to be free.
- You start therapy, often within 5 days of submitting the form.Online, secure, on a schedule that works around your life.
What We Treat for Cigna Members
Our 91+ Cigna in-network therapists work across the full range of outpatient mental health concerns. Common reasons Cigna members come to MMHC:
Burnout is covered under Cigna therapy benefits when it presents as anxiety, depression, adjustment difficulties, or chronic stress, which is how it almost always presents. Read more about our dedicated burnout therapy practice →
ANXIETY
DEPRESSION
SELF ESTEEM
TRAUMA
FAMILY ISSUES
COPING SKILLS
MINDFULNESS
CBT THERAPY
EMDR THERAPY
LIFE TRANSITIONS
OCD THERAPY
SOCIAL ANXIETY
MEN’S ISSUES
BIPOLAR DISORDER
DOMESTIC ABUSE
PHOBIAS
INTEGRATION
PORN ADDICTION
ADHD
BURNOUT ISSUES
DBT THERAPY
ANGER MANAGEMENT
PTSD
WORK STRESS
CAREER COUNSELING
GRIEF
MARRIAGE COUNSELING
EATING DISORDERS
SPIRITUALITY
YOUNG ADULTS
LGBTQ
SUBSTANCE ABUSE
SEXUAL ABUSE
PARENTING
SOMATIC THERAPY
WOMEN’S ISSUES
Questions to Ask Cigna About Your Mental Health Coverage
If you want to verify your benefits yourself before working with us:
The questions worth asking
- What is my copay for outpatient mental health services under CPT codes 90834 (45-minute session) and 90837 (53-minute session)?
- Is there a session cap per calendar year?(Rare with Cigna, but worth confirming.)
- Does my plan apply a deductible to outpatient mental health, or is it waived?
- Is telehealth covered at the same rate as in-person?(For Cigna, almost always yes.)
- Do I need a referral or prior authorization?(Cigna has removed prior authorization for most routine outpatient mental health care.)
If you would rather skip the call: when you fill out our form, our Therapy Coordinator runs through these questions with Cigna for you and reports back with your specific numbers before your first session. You never sit on hold.
How Much Does Therapy Cost With Cigna?
Coverage varies by plan, but most MMHC Cigna members pay:
What you pay depends on which Cigna plan type you have. The four common Cigna plan structures break down like this for in-network outpatient therapy:
| Cigna plan type | How it usually works for in-network therapy | Typical member cost |
|---|---|---|
| HMO | Care stays in-network; a flat copay per session, no separate out-of-network benefit | Around $20 |
| PPO | In-network or out-of-network; in-network is a flat copay, out-of-network reimburses a percentage after deductible | In-network: Around $20; out-of-network coinsurance after deductible |
| EPO | In-network only, no out-of-network benefit; flat copay per session | Around $20 |
| POS | In-network with a referral pathway; flat copay in-network | Around $20 in-network |
The copay is the fixed amount you pay each session. The deductible is the annual amount you would need to meet before insurance pays its share, and Cigna behavioral health plans often apply a copay rather than a deductible.
We verify your exact numbers with Cigna and provide a written cost breakdown before your first appointment. No estimates, no guessing.
Does Cigna Cover Online Therapy?
Yes. Cigna covers telehealth therapy at parity with in-person sessions for nearly all plans. All MMHC sessions are conducted online via secure video, which means your therapy fits into your schedule whether you are in Manhattan, Brooklyn, Queens, or anywhere else in New York State.
Online therapy holds up clinically. In the same 2018 meta-analysis, internet-based psychotherapy showed an alliance-outcome relationship about the same as face-to-face therapy, across 23 studies (Flückiger et al., 2018). Combined with the removal of commute friction, telehealth often makes weekly attendance possible in a way that office-based therapy does not.
Where Cigna Therapy Is Available in New York Through MMHC
We are online-only and serve clients in every New York City borough and across all of New York State, including Westchester, Long Island, and Upstate. That covers Manhattan, Brooklyn, Queens, the Bronx, and Staten Island via secure telehealth.
Manhattan
Brooklyn
Queens
The Bronx
Staten Island
Long Island
Westchester
Looking for a Cigna therapist near you in New York? All sessions are telehealth, so any in-network New York State resident qualifies. No commute, no waiting room, anywhere in NY.
Meet Some of Our Cigna Therapists
License #D4643
Natalie is the founder of Manhattan Mental Health Counseling. Her treatment approach emphasizes the mind-body connection, combining experiential techniques with practical, results-oriented methods.
License #5190
Dr. Sandra Vazquez, guides individuals through complex trauma and mood challenges with a collaborative, culturally sensitive approach that fosters safety, trust, and empowerment, creating spaces for authentic growth and healing, particularly within BIPOC communities.
License #D10616
Sandra uses various therapeutic techniques, including EMDR, CBT, and Mindfulness-Based Therapy, to encourage healing and growth within a safe and empowering counseling environment.
Cigna Therapy FAQ
Ready to Get Started With a Cigna Therapist in NYC?
We'd love to hear from you. After you submit the form, you'll receive an email with a link to book a screening call at your convenience. We verify your Cigna benefits and confirm your exact copay before your first session — you never sit on hold.
- In-network with Cigna across New York State
- Exact copay confirmed before session one
- First session often within 5 days
NB
Get Matched with a Cigna TherapistNatalie Buchwald, LMHC-D, is a licensed mental health counselor in New York State and the Founder and Founding Clinical Chair of Manhattan Mental Health Counseling. Natalie Buchwald reviews the clinical and coverage information on this page. New York State License #D4643. Edited by Steven Buchwald.
Clinically reviewed by Natalie Buchwald, LMHC-D, Founder and Founding Clinical Chair, Manhattan Mental Health Counseling. Edited by Steven Buchwald. Last reviewed: June 2026. · Last Updated: June 2026 | Next Review: December 2026