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  • Home Individuals & Families Shop for Plans Plans Offered Through Your Employer Mental Health Insurance & Substance Use Benefits

    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 HealthcareSM 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

    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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    Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.

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