Does Cigna cover therapy in San Francisco, CA?

Cigna typically covers therapy sessions in San Francisco, CA, but coverage details may vary depending on your specific plan. You can confirm the mental health benefits of your specific plan by doing any of the following: - Enter your insurance plan details on Headway to see if we can instantly verify - Visit your insurance company's website or app - Review your EOB (explanation of benefits) and look for details on "behavioral health benefits" - Call your insurance company directly to ask

How can I find a therapist or psychiatrist in San Francisco, CA that accepts Cigna?

Select your state and insurance on Headway — then, use filters to add any other preferences such as ethnicity, age, gender, and therapy style. We'll provide a list of providers who accept Cigna and match your preferences, and you'll be able to review their profiles and book directly.

How much does Cigna cover for therapy?

Cigna typically covers a percentage of therapy costs, but the exact amount depends on your plan's specific benefits, such as copays, deductibles, and coinsurance. You can estimate your session costs by entering your insurance details on Headway. You can also review your plan documents or contact Cigna to understand your coverage.

How much does therapy cost in San Francisco, CA with Cigna?

The cost of therapy in San Francisco, CA with Cigna varies based on factors like the type of session, amount of sessions, and other elements of your plan's coverage details. In-network therapists typically charge lower rates than out-of-network providers. Headway can often provide instant estimates for your session costs after you enter your insurance details on Headway.

What types of therapy are covered by Cigna?

Cigna generally covers various forms of therapy, including individual, group, and family therapy, as well as different therapeutic approaches like CBT or psychodynamic therapy. Check your plan documents or contact Cigna to confirm specific coverage.

Does Cigna cover online therapy?

Many Cigna plans cover online therapy, also known as teletherapy, but coverage may depend on the specific plan and provider. Check with Cigna to confirm online therapy coverage.

Does Cigna require a referral to a psychiatrist?

Some Cigna plans require a referral from a primary care physician to see a specialist like a psychiatrist, while others do not. Check your plan documents or contact Cigna to determine if a referral is needed.

Does Cigna covered prescribed medications?

Cigna typically covers prescribed medications, including those related to mental health treatment, but coverage details vary by plan. Review your plan's formulary (a list of covered medications) and coverage details to understand your medication costs.

What does it mean when a provider is in-network or out of network?

An in-network provider has a contract with Cigna to offer discounted rates, while an out-of-network provider does not, resulting in higher costs for you. Choosing in-network providers typically reduces your out-of-pocket expenses. Every provider on Headway accepts insurance, and you can find providers in-network with Cigna in San Francisco, CA on Headway.

What is a deductible?

A deductible is the amount you must pay out-of-pocket for healthcare services before your Cigna coverage kicks in. Once you meet your deductible, Cigna typically covers a portion of your medical expenses.

Coinsurance is the percentage of healthcare costs you pay after meeting your deductible, with Cigna covering the remaining percentage. For example, if your coinsurance is 20%, you'll pay 20% of the costs, and Cigna will pay 80%.

A copay, or copayment, is a fixed amount you pay for a specific healthcare service, such as a doctor's visit or therapy session. Copays vary by plan and service, and are usually due at the time of service. Headway can often provide instant estimates for your copay and any other session costs after you enter your insurance details on Headway.

Find Cigna therapists & psychiatrists in San Francisco, CA

Headway

Get a cost estimate

People with insurance pay as low as $0 per session through Headway

Top Cigna-covered therapists and psychiatrists in San Francisco, CA

Anne Termini

Therapist

Virtual • California

I work with adults 55 and older who are dealing with big life changes — illness, caregiving, grief, retirement, or simply finding themselves in a chapter they didn’t plan for.

A lot of my clients come in because something has shifted. A diagnosis. A loss. The exhaustion of caring for someone else. Or that feeling of, “This isn’t the life I pictured.”

I’ve worked for many years alongside palliative care teams and with people living with serious illness. I understand how overwhelming medical decisions, uncertainty, and anticipatory grief can be.

I also know loss personally. My husband died after a battle with cancer, and rebuilding my own life changed how I sit with others. I don’t just understand this work professionally — I’ve lived parts of it.

Most of the people I see aren’t looking for years of therapy. They want a place to sort through what’s happening, get steadier, and figure out what comes next. We usually work together for a focused stretch — anywhere from a few sessions to a few months.

We meet by telehealth. It’s simple and private, and I’ll handle the logistics.

Cigna + 8 others

Anxiety, Depression, Grief or loss

Direct, Solution-oriented, Warm

Find a Cigna therapist in San Francisco, CA

Book a therapist or psychiatrist in San Francisco, CA covered by Cigna

Top Cigna-covered therapists and psychiatrists in San Francisco, CA

What type of therapy does Cigna cover?

Individual therapy

Couples therapy

Family therapy

Child therapy

Teen therapy

Psychiatry

Online therapy

Frequently asked questions