Does Cigna cover EMDR therapy?

Cigna EMDR coverage details

Cigna's behavioral health coverage includes EMDR as a recognized evidence-based treatment. Coverage applies to individual, group, and employer-sponsored Cigna plans. Cigna Behavioral Health (formerly Magellan) manages mental health benefits for many Cigna plans, and EMDR is an approved modality. Both in-person and telehealth EMDR sessions are covered.

How EMDR is billed with Cigna

CPT codes

EMDR is billed using 90834 (38-52 minutes) or 90837 (53+ minutes). Cigna uses standard psychotherapy codes and does not require EMDR-specific billing. Extended sessions (75-90 minutes) bill under 90837, which has no defined upper time limit.

Typical copay

Cigna in-network mental health copays typically range from $20-50 per session. Cigna EPO and HMO plans generally have lower copays than PPO/Open Access plans. Coinsurance after deductible is common for out-of-network providers.

Prior authorization

Outpatient EMDR does not typically require prior authorization with Cigna. Some plans may require authorization for intensive treatment or after reaching session thresholds. Cigna's EAP (Employee Assistance Program) sessions do not count toward these limits.

Session limits

Cigna does not impose hard session limits for outpatient mental health under federal parity. Treatment reviews may be required periodically to demonstrate ongoing medical necessity.

Finding Cigna-covered EMDR therapists

Cigna's provider network varies by plan type. Many EMDR specialists are out-of-network due to credentialing challenges. Loma is not yet in-network with Cigna as our panels expand; we can verify your benefits and discuss options.

Frequently asked questions

Does Cigna's EAP cover EMDR?

Cigna EAP typically provides 3-8 free counseling sessions, which can include EMDR if the therapist offers it. After EAP sessions, you transition to regular behavioral health benefits for continued EMDR treatment.

How do I find a Cigna-covered EMDR specialist?

Cigna's directory lists therapists by specialty, but EMDR expertise isn't always accurately represented. Loma is not yet in-network with Cigna, but we can verify your benefits and discuss in-network alternatives or out-of-network options.

Does Cigna cover EMDR for anxiety (not just PTSD)?

Yes. Cigna covers EMDR for various anxiety disorders, depression, and other conditions — not just PTSD. Your therapist documents the appropriate diagnosis, and EMDR is covered as the treatment modality.

What if my Cigna plan has a high deductible?

With high-deductible plans, you'll pay full session cost until meeting your deductible, then copay or coinsurance applies. Loma shows your out-of-pocket costs upfront based on your specific plan benefits.