Online and In-Person Cigna Therapists in NJ

According to the National Institute on Drug Abuse (NIDA), 40.3 million people in the United States had substance use disorder, and only 6.5% received treatment. Among many other reasons, cost is a major barrier to quality treatment. Seeking affordable, high-quality mental health care and understanding your insurance options is the first step toward finding the right care for you. Cigna therapists in NJ offer excellent mental health and addiction therapy coverage. While working with in-network providers often reduces costs, there are also great care options if you are open to using out-of-network benefits.

In this blog, we will walk you through Cigna therapy coverage and how ChoicePoint can support your mental health journey, even if we are not in-network with Cigna.

Healing begins with a simple click! Call 844.445.2565 to connect with a licensed Cigna therapist in NJ today!

CALL NOW FOR FREE SCREENING

ChoicePoint Cigna Therapists in NJ: Your Comfort Our Priority 

If you are struggling with substance abuse, personalized help is available. At ChoicePoint, our Cigna therapists are specialized in treating your substance abuse and mental health struggles. We respect your strength, story, and struggle and offer a confidential space to help you heal.

Our certified therapists offer:

• Premium therapy by board-certified therapists.
• Schedule that fits your busy life.
• Goal setting that aligns with your preferences.
• Individual or group therapy sessions, whichever works best for you.
• Option to choose between online therapy sessions and in-person therapy sessions.

Our Online Substance Abuse Therapy Starts With a Simple Click

We believe that getting help for your mental health or substance use challenges should be as easy and accessible as possible. That is why we offer confidential, HIPAA-compliant online therapy

With just one click, you can:

• Schedule a session with licensed therapists and addiction counselors
• Access therapy from the comfort and privacy of your home
• Receive personalized treatment plans according to your mental health or substance use recovery goals

Not just therapy, our drug and alcohol rehab accepts Cigna for all of our addiction treatments. We offer a full addiction and mental health healing package comprising medication-assisted treatment, psychiatric evaluations, alcohol and drug evaluations, and relapse prevention programs. 

Does Cigna Cover Therapy in New Jersey? Understanding Your Cigna Therapy Coverage

Yes, Cigna offers mental health coverage that includes therapy and counselling. Plans typically cover:

• Prescreening 
• Alcohol and drug evaluations
• Psychiatric evaluations 
• Individual psychotherapy
• Family therapy
• Psychiatric evaluations and medication management
• Teletherapy sessions (online)
• Group therapy

Coverage varies depending on your specific plan, so it is important to check your benefits, call the number on your Cigna card, or verify your insurance online.

Best Way to Find Cigna Therapists Near You!

Cigna In-Network vs. Out-of-Network: What is the Difference?

Though ChoicePoint accepts Cigna, we are not an officially in-network provider. However, even as an out-of-network provider, we assist our clients with paperwork, pre-authorization forms, and other official protocols so that quality healthcare is not compromised. ³

Here is a major difference between in-network and out-of-network providers:

• In-Network Providers have an agreement with Cigna and offer services at pre-negotiated rates. You usually pay less out-of-pocket.
  
• Out-of-network providers do not have a contract with Cigna, but you may still be eligible for partial reimbursement if your plan includes out-of-network benefits. ⁴

Common Cigna Plan Types and Mental Health Coverage

Cigna offers different types of plans (HMO, PPO, EPO), and each affects your mental health coverage:

• Plans through the Employer: These plans are typically based on the employer’s preferences and generally do not cover out-of-network providers.
• HMO Plans: Require you to use in-network therapists and may require referrals.
• PPO Plans: Offer more flexibility, including out-of-network options.
• EPO Plans: Similar to PPOs, but typically don’t cover out-of-network care unless it’s an emergency. ⁵

Some Cigna NJ insurance plans let you choose out-of-network providers with benefits. To know the exact coverage of your plan, please verify your insurance through our complimentary insurance verification portal (no sign-ups needed)

Do You Need Preauthorization for Therapy with Cigna?

It depends on your plan. In most cases:

• In-network outpatient therapy does not require prior authorization. 
• Certain intensive treatments, such as inpatient rehab and partial hospitalization, may require pre-approval.
• Always check with Cigna or your provider to confirm requirements before starting therapy.

In case of medical emergency or medical necessity, Cigna may not require pre-authorizations.

Free Addiction Assessment

Please note this assessment is an initial self-screening, and it is not meant to be a medical assessment or clinical diagnosis of addiction. For proper diagnosis and treatment, schedule an appointment with ChoicePoint.

Your Healing Starts With ChoicePoint Alcohol and Drug Rehab

Whether you are dealing with anxiety, depression, trauma, or substance dependency, our online behavioral therapists offer evidence-based care through a secure virtual platform. You will receive the same level of professional support as you would in person, without the barriers of travel, wait times, or stigma.

Why Choose ChoicePoint Online Addiction Therapy?

ChoicePoint is a CARF-certified rehab in New Jersey. We offer:

• Flexible scheduling, including evenings and weekends
  Support for co-occurring disorders and dual diagnosis treatment
• Ongoing progress monitoring and outcome-based care
• Access to medication-assisted treatment (MAT) when appropriate

To schedule an appointment, please call us at 844.445.2565 or request a call-back.

Frequently Asked Questions About Cigna Therapy in NJ 

More of your questions related to Cigna therapy and therapists are answered below:

How to Access Addiction Therapy in New Jersey?

Accessing therapy in NJ is very simple. Many rehabs and therapists allow you to enroll in therapy sessions without any referrals from primary physicians. To enroll in therapy at ChoicePoint, just call us at 844.445.2565 and our support team will guide you through the admissions steps.

What is the Cost of Therapy Without Insurance in New Jersey?

The cost of therapy without insurance in New Jersey varies based on the type of service and provider. Individual Therapy may cost around $100–$350 per session.

How To Find Cigna Therapists Near You?

Finding Cigna-accepting therapists is very easy.

1. Look into the official Cigna therapist directory.
2. Choose from various online mental health platforms, such as Psychology Today.
3. Contact Cigna-accepting rehabs, such as ChoicePoint, at 844.445.2565for the most updated information and licensed therapist.

Sources 

1. National Institute on Drug Abuse. (2023). IC Fact Sheet 2024: Congressional Justification – National Institute on Drug Abuse. National Institutes of Health. https://nida.nih.gov/about-nida/legislative-activities/budget-information/fiscal-year-2024-budget-information-congressional-justification-national-institute-drug-abuse/ic-fact-sheet-2024
2. Cigna. (n.d.). Mental health insurance and substance use benefits. https://www.cigna.com/individuals-families/shop-plans/plans-through-employer/mental-health-insurance-and-substance-use-benefits
3. Cigna. (n.d.). Transparency in coverage. https://www.cigna.com/individuals-families/shop-plans/transparency-in-coverage
4. Cigna. (n.d.). In-network vs. out-of-network. https://www.cigna.com/knowledge-center/in-network-vs-out-of-network
5. Cigna. (n.d.). PPO: Preferred provider organization plans. https://www.cigna.com/individuals-families/shop-plans/plans-through-employer/ppo
6. Cigna. (n.d.). Precertification coverage and claims. https://www.cigna.com/health-care-providers/coverage-and-claims/precertification