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Mental Health and Substance Use Benefits

Your mental health and substance use coverage is included under your employer's medical plan; there's no separate deductible.

What are Mental Health benefits?

These benefits1 provide coverage to enable treatment of mental health conditions under employer sponsored health plans.

Your employer’s plan may include access to:

  • The Behavioral Health network of licensed mental health providers
  • Mental health services and follow up case management services
  • Consultations, referral services and outpatient services
  • Referrals to local community support groups, behavioral coaches, and online resources

What are Substance Use benefits?

These benefits¹ provide coverage to enable the treatment of substance use under employer-sponsored health plans. Your employer's plan may include access to benefits for confidential therapy, a variety of treatment options, and access to recovery specialists.

Your employer's plan may include access to:

  • Inpatient and outpatient treatment services, combined with follow-up case management services, if needed
  • Personalized coaching and support programs that work with your schedule and life challenges
  • Referrals to local community support groups, behavioral coaches, and online resources

Additional plan features2

  • Follow your employer’s medical plan requirements to make an appointment with a psychiatrist (a mental health medical doctor), therapist, or an inpatient treatment hospital or clinic. Your doctor, counselor or therapist may also refer you and help you coordinate care or treatment.
  • Pay your share of costs according to your plan. For plans with a deductible, pay for covered care until you meet the plan deductible, if the plan has one. When you meet the deductible, the plan starts to cover some or all of your costs as outlined in your plan documents.
  • Check your plan documents for information about treatments that may require prior approval by Cigna before you get the service to receive coverage under your plan.

More benefits through your employer

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1Behavioral health benefits are administered by Evernorth Behavioral Health, Inc. For information about behavioral health benefits in California, visit https://www.cigna.com/cignastatedirectory/cigna-in-california

2The details of your employer’s specific plan may vary. Please refer to your plan documents or contact your employer for costs and more information on what’s covered and not covered by the plan.

Medical and behavioral plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC), Connecticut General Life Insurance Company, or their affiliates. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

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