Insurance · Cigna
Your card says Cigna. Your benefits say Evernorth.
Cigna Psychiatrist PA — Evernorth coverage & copay
Looking for a Cigna psychiatrist in PA? Have Cigna? We accept all major insurances. Call today to confirm your insurance. (717) 202-2285. On PPO and Open Access plans you can book directly with no referral, and most members pay only a behavioral health copay, commonly $20–$60, once any deductible is met. Call (717) 202-2285 with your member ID.
Why your benefits say Evernorth when your card says Cigna
This is the single most common source of confusion for Cigna members seeking mental health care, and it causes people to abandon appointments they were fully covered for.
Cigna Healthcare
The medical side. Your primary care visits, specialists, labs, imaging, and hospital care are processed here.
This is the name and logo printed on the front of your card, which is why most members assume it handles everything.
Evernorth Behavioral Health
The behavioral health division of The Cigna Group. Psychiatric evaluation, medication management, and therapy claims route through Evernorth, not through Cigna's medical side.
It is the same insurance and the same card. Different department, same coverage.
What to do when an office asks “Cigna or Evernorth?”
Answer “Cigna, and my behavioral health goes through Evernorth.” That single sentence resolves it. Many members hear the question, assume they have the wrong plan, and hang up — when in fact they were covered the entire time.
You do not need to know your plan's inner workings to book with us. Give us the member ID on your card and we will confirm your behavioral health benefit, your copay, and whether any authorization applies before your first appointment. That check costs nothing.
Coverage and access by Cigna plan type
Cigna sells several product families and they do not all behave the same way at the point of booking. The differences that actually affect you are referral rules and network geography.
| Plan type | Booking access | What to watch for |
|---|---|---|
| Cigna PPO | Direct — no referral | Deductible may apply first |
| Open Access Plus | Direct — no referral | In-network tier gives lowest cost |
| Cigna HMO products | PCP referral often required | Get the referral before booking |
| Cigna Connect (Individual & Family) | Direct on most plans | State-specific network — out-of-state care may be out of network |
| Employer self-funded | Varies by plan design | Your employer sets the benefit |
Copays, deductibles, and authorization rules are set by your specific product and employer group, not by Cigna as a whole. We accept all major insurances. Call today to confirm your insurance. (717) 202-2285.
Services covered under Evernorth
Covered psychiatric services
- Initial psychiatric evaluation in York
- Ongoing medication management in York
- Psychotherapy
- ADHD evaluation and treatment when medically necessary
- Primary care in York alongside psychiatric care in one practice
If Cigna doesn't cover your visit
- Self-pay is a flat $249 initial evaluation
- $99 per medication-management follow-up
- Cash, credit card, HSA, FSA, or check accepted
- See the full cost and pricing breakdown
Cigna coverage questions
My Cigna card says Evernorth for behavioral health. Is that a different insurance?
No. Evernorth Behavioral Health is the division of The Cigna Group that administers mental health benefits for Cigna Healthcare members. It is the same coverage and the same card. Have Cigna? We accept all major insurances. Call today to confirm your insurance. (717) 202-2285.
Which Cigna plan types let me book psychiatric care without a referral?
Cigna PPO and Open Access products generally allow you to schedule with a behavioral health provider directly, with no primary care referral. Some Cigna HMO and managed products require a referral first before the visit is covered. Have Cigna? We accept all major insurances. Call today to confirm your insurance. (717) 202-2285.
Does Cigna require prior authorization for routine psychiatric medication follow-up visits?
Have Cigna? We accept all major insurances. Call today to confirm your insurance. (717) 202-2285. Certain non-formulary medications and specialized procedures can still require precertification. Prior authorization for transcranial magnetic stimulation was removed for contracted providers effective March 6, 2026, though that is a procedure we do not offer. We confirm whether anything on your treatment plan needs authorization before your first appointment.
I have a Cigna Connect Individual and Family Plan. Does that work differently?
It can. Have Cigna? We accept all major insurances. Call today to confirm your insurance. (717) 202-2285. If you hold a Connect plan and expect to have visits while traveling, tell us in advance and we will check how your plan treats it.
How much is a psychiatric visit with Cigna in Pennsylvania?
In network, most members pay only a behavioral health or specialist copay once any deductible is met, commonly in the twenty to sixty dollar range. High-deductible plans may require you to pay the contracted rate until the deductible is satisfied. We accept all major insurances. Call today to confirm your insurance. (717) 202-2285.
Cigna or Evernorth, you're covered here.
Psychiatric evaluation and medication management in downtown York, or by video across Pennsylvania, Maryland, and Virginia. Give us your member ID and we'll confirm your copay before you book — new patients are usually seen within a week.
Optimal Health York · 111 East Market Street, Suite 201, York, PA 17401 · Monday – Friday: 9:00 AM – 5:00 PM · Saturday: 10:00 AM – 2:00 PM · Sunday: Closed