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Cigna Teen Residential Treatment Coverage

How to Maximize Your Cigna Benefits for Mental Health Care

Out-of-network benefits accepted • We handle pre-authorization • We bill your insurance

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If your teen is struggling with anxiety, depression, or behavioral challenges, finding the right treatment can feel overwhelming. Navigating the insurance process adds another layer of stress—but understanding Cigna’s coverage for teen residential treatment can make all the difference. Even though Turning Winds is an out-of-network provider, many families use their Cigna Behavioral Health benefits to access high-quality care and receive partial or full reimbursement for treatment.

At Turning Winds, we help parents make sense of their Cigna mental health coverage for teens—clarifying what’s covered, what requires authorization, and how to minimize out-of-pocket costs.

This guide explains how Cigna approaches mental and behavioral health coverage, what to expect from the process, and how our team can help you every step of the way.

To learn about health insurance coverage for teen residential treatment (behavioral and mental health),  explore our related articles covering  Aetna, Tricare, PacificSource, First Choice Health PPO, Allegiance and Blue Cross options.

 

Why Teen Mental Health Treatment is Covered by Cigna

The Surgeon General has declared teens’ mental health crisis an epidemic. 

Today’s teens face unprecedented challenges, including:

  • 69% of parents say it’s harder to be a teenager today than ever (Pew Research)
  • Today’s teens face unprecedented pressure from school, social media, and bullying
  • You recognize the signs: mood swings, withdrawal, behavioral changes

At Turning Winds, we’ve helped hundreds of families navigate this crisis using their Cigna benefits. You don’t have to figure this out alone.

Understanding Cigna Coverage for Adolescent Treatment at Turning Winds

Cigna is one of the largest health insurers in the U.S., covering more than 33 million Americans. Most Cigna Behavioral Health plans include benefits for teen mental health treatment, including therapy, psychiatry, and—in many cases—residential or inpatient care when medically necessary.

Even though Turning Winds is an out-of-network provider, families often receive substantial coverage through:

  • Out-of-network behavioral health benefits – Many PPO and POS plans include partial reimbursement for residential treatment.
  • Single Case Agreements (SCA) – In some cases, Cigna may approve an exception allowing coverage at in-network rates for specialized teen programs.
  • Pre-authorization and medical necessity – Our admissions and clinical teams coordinate directly with Cigna to establish medical necessity and streamline approvals.

Understanding these pathways helps families make informed decisions about their teen’s care while optimizing coverage and minimizing delays.

Cigna Teen Residential Treatment Coverage

Yes, Cigna Covers Teen Residential Treatment at Turning Winds

While Turning Winds is an out-of-network provider with Cigna, most families receive 60–80% reimbursement for medically necessary residential treatment. Coverage depends on your specific plan, deductible, and Cigna’s medical necessity criteria—but our admissions team helps you every step of the way.

Here’s what’s typically covered under Cigna Behavioral Health benefits for teens:

  • Therapy for adolescents, including CBT (Cognitive Behavioral Therapy) and DBT (Dialectical Behavioral Therapy)
  • Family therapy to strengthen communication and restore connection
  • Psychiatric evaluations and ongoing medication management
  • Residential treatment when deemed medically necessary and pre-authorized
  • Substance use and dual diagnosis treatment for co-occurring conditions
  • Behavioral health psychotherapy and structured therapeutic support in a 24/7 setting
  • Substance use and dual diagnosis treatment programs
  • Telehealth and virtual family therapy sessions
  • 24-hour nursing and on-site clinical supervision
Average stay: 6–9 months of comprehensive residential care are often approved when medically necessary. Your cost: Depending on your plan, after Cigna reimbursement, most families pay 20–40% of treatment costs out-of-pocket. Our team will verify your benefits and guide you through each step—from pre-authorization to reimbursement—so you can focus on your teen’s recovery, not the paperwork. These benefits ensure that teens with complex mental or emotional challenges have access to comprehensive, medically appropriate care—supported by licensed professionals and clinical oversight.

🔽 Click each section below to view important details about coverage, treatment, and next steps.

What Conditions We Treat

Cigna covers residential treatment at Turning Winds for teens with these conditions:

Mood & Anxiety

  • ✓ Severe depression
  • ✓ Treatment-resistant anxiety
  • ✓ Bipolar disorder
  • ✓ PTSD/trauma
  • ✓ OCD

Behavioral & Risk

  • ✓ Self-harm behaviors
  • ✓ Suicidal ideation
  • ✓ Substance use (dual diagnosis)
  • ✓ ADHD with emotional dysregulation
  • ✓ Personality disorders
Has your teen been in treatment before? Cigna often approves residential care when outpatient therapy hasn’t been enough.

Click each + on the tabs below⤵️ to view important details about eligibility, duration, treatment, and next steps.

Cigna’s Medical Necessity Criteria

Your teen likely qualifies for coverage if they meet ANY of these criteria:

  • ✓ Outpatient therapy hasn’t worked (3+ months documented)
  • ✓ Safety concerns – risk of self-harm or harming others
  • ✓ Can’t function at home, school, or with friends
  • ✓ Needs 24/7 supervision for stabilization
  • ✓ Co-occurrences (dual or multi diagnosis) requiring integrated treatment

Not sure if you qualify?

Our clinical team provides a FREE assessment to determine medical necessity

No Arbitrary Time Limits with Cigna

Coverage is based on medical necessity, not preset limits.

Typical Coverage Timeline Example:
  • Months 1-3: Stabilization (usually approved)
  • Months 4-6: Core treatment (approved with documentation)
  • Months 7-9: Transition planning (based on progress)

This is just an example; no two teens are the same. We create individualized treatment plans and therapeutic approaches based on each client’s unique diagnosis and progress throughout treatment. 

We handle all documentation:

  • ✓ Monthly progress reports
  • ✓ Concurrent review submissions
  • ✓ Medical necessity updates

📊 Success Rate: More than 75% of our families receive coverage for the entire recommended treatment duration.

Crisis Stabilization

Duration: 3-14 days, sometimes up to 30 days.

For: Immediate safety concerns, suicidal ideation, severe crisis

Coverage: Usually approved immediately

→ Often transitions to residential treatment after stabilization

Residential Treatment

Duration: 6-9 months average, up to 12 months depending on medical needs.

For: Comprehensive treatment when outpatient isn’t enough

Coverage: 60-80% out-of-network reimbursement, depending on health plan.

✓ Most reach out-of-pocket max in 6-7 weeks

Your Path to Coverage

1
Free Consultation
Discuss your teen’s needs (15 minutes)
2
Benefits Verification
We check your coverage (24-48 hours)
3
Pre-Authorization
We handle all Cigna paperwork
4
Admission
Your teen begins healing (as soon as 48 hours)

Start Now: 1-800-845-1380

Understanding Out-of-Pocket Costs with Cigna

How Cigna Residential Treatment Coverage Works (Example)

Here’s how Cigna typically processes out-of-network residential treatment coverage — and an example of how families can use their benefits to make residential treatment care affordable.

Every Cigna plan is different, and some do not cover out-of-network at all. This cost example applies to Cigna PPO and Cigno Open Access Plus plans. Most families at Turning Winds use their out-of-network behavioral health benefits to reduce treatment costs significantly. This example is provided for illustration only, and does not imply it matches your specific plan. It’s based on a hypothetical scenario: a $3,000 deductible, 70/30 coinsurance, and a $15,000 out-of-pocket maximum. Your plan may use different figures, treat out-of-network care differently, or exclude certain charges from counting toward your maximum.

How Your Benefits Work

  • 1️⃣ Annual Deductible You pay: First $1,000-$5,000 of costs
  • 2️⃣ Coinsurance Phase After deductible: Cigna pays 60-80%, you pay 20-40%
  • 3️⃣ Out-of-Pocket Maximum Once you’ve paid $10,000-$15,000 total for the year, Cigna covers 100%
💡 Good News: Many families reach their out-of-pocket maximum within 2-3 months, meaning Cigna covers the rest of the year’s treatment at 100%.

RTC Cost Example

Monthly treatment cost: $12,000

Month 1: • You pay: $3,000 (deductible) • Then you pay: 30% of remaining $9,000 = $2,700 Your total: $5,700

Months 2-3: • You pay: 30% = $3,600/month Your total: $3,600/month

Month 4 onward: • Out-of-pocket max reached! You pay: $0 (Cigna covers 100%)

*Example based on $3,000 deductible, 70/30 coinsurance, $15,000 out-of-pocket maximum

🌟 You May Qualify for Better Coverage!

Single Case Agreement (SCA) Opportunity: If you live in an area with limited mental health resources—a “treatment desert”—or if there are no in-network residential facilities that can meet your teen’s specific needs, Cigna may approve a Single Case Agreement. This special arrangement can offer families:

  • Cover your health care costs at the in-network level of benefits. (typically 80-90% coverage)
  • Lower your out-of-pocket costs
  • Expedite the approval process

Our team has successfully negotiated SCAs for families living in rural areas and for those needing specialized care (co-occurrence, dual-diagnosis) that is not available in their community. We’ll explore this option during your verification call.

Bottom Line: Most families reach their out-of-pocket maximum within 6–7 weeks After that, Cigna covers 100% of the remaining 6–9 month treatment

Disclaimer: Your actual benefits, deductibles, and out-of-pocket maximums vary by plan. We’ll provide your specific coverage details during verification.

The Role of Family in Treatment and Cigna Coverage

At Turning Winds, we believe healing happens as a family. Helping and supporting your teenager through mental health treatment is about so much more than ensuring your health plan covers all costs. 

While your teen is in treatment, you will learn new strategies, actively participate in family therapy sessions,  and reinforce the progress made in therapy. 

Supporting a child through mental health treatment isn’t just about securing insurance coverage. It’s about staying engaged, learning new strategies, participating in family therapy sessions,  and reinforcing progress made in therapy. 

Cigna recognizes the importance of family involvement and may cover family therapy sessions as part of a comprehensive residential treatment plan.

At Turning Winds, parents participate through weekly therapy, workshops, and ongoing communication—helping rebuild connection, trust, and resilience that support long-term recovery.

Our admissions team can verify your Cigna mental health benefits in as little as 24–48 hours. We’ll clarify your benefits and your total coverage, estimate your potential out-of-pocket costs, and walk you through the admissions process.

Call us today at 1-800-845-1380 or use our secure online form to get started.

 

Making the Most of Cigna’s Mental Health Benefits

Sorting through insurance coverage can feel like wading through red tape, but securing the right care for your teen is worth the effort. If your teen requires residential treatment or other intensive care, we at Turning Winds are here to help.  Contact us to get help with insurance verification and to discuss financial options for treatment. We can also connect you with transportation teams and help arrange for your teenager to be directly transferred from a hospital or other short-term program to our treatment facility in Montana.  

Are you concerned that your teenager will refuse treatment? This article by Cigna Healthcare, “Teens: Things That Get in the Way of Mental Health Care,” is an excellent resource for helping parents understand why teens are reluctant to seek mental health care and how to discuss options with their teenagers. 

 

Want to Check Your Cigna Benefits Yourself First?

We understand some parents prefer to review their coverage independently before reaching out. In the spirit of full transparency, you can absolutely check your benefits through Cigna’s portal first. However, we strongly recommend letting us help because we know exactly which questions to ask and codes to reference to get accurate information about residential treatment coverage—not just a generic “mental health benefits” statement that may not reflect what’s actually covered.

If You Check Yourself:

  1. Log into myCigna.com
  2. Navigate to “Coverage” → “Mental Health”
  3. Look for “Out-of-Network Benefits”
  4. Check your deductible and out-of-pocket max
  5. Search for “residential treatment” or “RTC”

⚠️ Common Problem: Cigna’s portal often shows generic “mental health” coverage that doesn’t specify residential treatment authorization requirements or actual reimbursement rates.

When We Check For You:

✓ We reference specific CPT codes for residential treatment
✓ We verify “place of service” code 55 (residential)
✓ We confirm your specific reimbursement percentage
✓ We check for Single Case Agreement eligibility
✓ We identify any exclusions or limitations
✓ We get authorization requirements in writing

✅ Result: You get actual residential treatment coverage details, not generic mental health benefits that may not apply.

The bottom line: Checking yourself is fine, but our verification gets you accurate, specific answers about residential treatment coverage.

Let Us Check Your Benefits Correctly

Or call Cigna yourself first at 1-800-997-1654 and ask specifically about out-of-network residential treatment (code 56-for mental health focused RTC)

Denied Claims, Coverage Restrictions: How to Deal with Common Insurance Issues for Teen Mental Health

We believe transparency is key to any relationship, so we want you to know that sometimes families encounter insurance roadblocks. To help you prepare to tackle these challenges as they arise. We want to quickly discuss the most common obstacles and unexpected restrictions placed by health insurance companies along with how to address them: 

  • Denied Pre-Authorization: If Cigna denies a request for residential treatment, please understand that you have the right to appeal the decision. The appeal often requires you to provide additional documentation from a licensed mental health professional like a psychiatrist, psychologist, licensed clinical social worker (LCSW), or psychiatric nurse practitioner. 
  • Limited Coverage for Therapy Sessions: As mentioned previously, some plans restrict the number of covered therapy sessions per year. If more treatment is needed, asking about exceptions based on medical need is an option, as is filing a claim for out-of-network reimbursement.
  • High Out-of-Pocket Costs: The cost of treatment, especially for an extended period of time, can be high. We advise parents to consider financial assistance programs or find other funding sources to help cover the expenses that are not covered by insurance. 

Why Parents Choose Turning Winds

Our Integrated Healing Model

At Turning Winds, we believe healing happens when teens are given three things: safety to be vulnerable, structure to rebuild confidence, and compassion to reconnect with hope.

Each dimension of our Five Pillars works together to create lasting transformation. This integrated model—rooted in clinical care, academic growth, and personal development—is the foundation of our outcomes.

At Turning Winds, we don’t just treat symptoms; we treat the whole teen. Through a structured continuum of care, students learn to understand themselves, rebuild relationships, strengthen leadership and self-care skills, and rediscover their purpose.

While healing, teens continue their education through a fully accredited academic program, ensuring your child won’t fall behind and that every credit earned transfers seamlessly to their home school.

Profile of a human head with a brain symbol, representing evidence-based therapy and psychiatric treatment at Turning Winds, a residential treatment center in Montana

Clinical Excellence

Addressing mental and emotional health through evidence-based therapy, psychiatry, and individualized treatment plans. Our licensed clinicians specialize in adolescent development and deliver CBT, DBT, trauma-informed care, and family systems therapy tailored to each teen's needs.

Academic Restoration

Ensuring continued education and personal progress through Cognia-accredited academics and individualized instruction. Our 5:1 student-to-teacher ratio means no teen falls behind—most actually get ahead, completing 1.5-2 years of coursework in 12 months.

Experiential & Outdoor Therapy

Nature is a powerful healer. Building healthy habits through recreation, outdoor adventures and nature based therapy that strengthens self-esteem, emotional regulation, and resilience. . Montana's wilderness becomes both classroom and gym, where hiking, climbing, and skiing teach that healthy bodies support healthy minds.

Family Systems & Connections

We don’t just treat the teen—we involve the whole family. We believe family healing is essential to a teen's success. Through family therapy, parent coaching, and consistent communication, parent workshops, and reintegration planning parents gain new insight into communication patterns, boundaries, and emotional support strategies that strengthen the entire household long after discharge.

Life Skills & Long-Term Growth

Developing character, empathy, and purpose through service projects, teamwork, and community engagement. From local Montana service to international trips (like Panama), teens discover that helping others is part of their own healing. Teens develop emotional intelligence, personal responsibility, time management, and social confidence—skills they’ll need not just now, but for life.

Healing isn’t about short-term change—it’s about lasting transformation. At Turning Winds, the Five Pillars don’t just sound good on paper—they deliver measurable, long-term results for real families.

Experience That Delivers Results

Since 2002, Turning Winds has helped more than 1,500 families navigate their teen’s darkest moments. Experience matters—especially when your child’s future is at stake.

While most programs focus on just one area—therapy, academics, or short-term wilderness work—Turning Winds integrates all five pillars of healing. Teens heal emotionally, succeed academically, strengthen physical wellness, build character through service, and rediscover purpose—all within a single, connected environment.

Our integrated model produces measurable, lasting change:

  • ✓ 65% improvement in daily functioning
  • ✓ 86% program completion rate
  • ✓ 42% reduction in depression symptoms

We Handle Cigna for You

Insurance paperwork shouldn’t stand between your teen and healing. Our admissions specialists guide you through the process of using your Cigna insurance for residential treatment:

  • Verify your benefits – Know exactly what your Cigna policy covers for residential treatment in 24 hours
  • Get pre-authorization – Our team provides the documentation Cigna requires to establish medical necessity and expedite approval.
  • Manage all billing and claims directly with Cigna – We handle insurance billing and documentation for you, working directly with Cigna to ensure timely processing and maximize your coverage.
  • File claims: We submit everything correctly the first time
  • Handle appeals: If needed, our clinical team provides documentation

With our support, you can focus on what matters most: getting your teens the help they need faster and with less paperwork. We’ve helped hundreds of families successfully use their Cigna coverage for teen residential treatment, even when their plans initially seemed complex or restrictive.

Your teen’s recovery can begin immediately.

What Happens When You Call Turning Winds:

Here’s what to expect when you reach out—no pressure, just support.

  1. Free Confidential Consultation – Speak with our Montana specialist who understands your specific challenges and FCHN PPO benefits
  2. Immediate Benefits Verification – We verify your FCHN PPO coverage and explain exactly what’s covered with no surprises
  3. Clinical Assessment – Our clinical team determines if Turning Winds is the right fit for your teen’s specific needs
  4. Admission Within 24-48 Hours – If clinically appropriate, your teen can be admitted within 24–48 hours—no waitlists, no delays.

Ready to Get Help?
Call Now: 1-800-845-1380
Speak to our admissions counselor today:

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〈     Key Takeaway     〉

Cigna’s Mental Health Coverage for Teens

  • Cigna offers coverage for teen mental health and behavioral treatment, including inpatient and outpatient care, as well as therapy sessions and counseling. Review your health plan carefully to understand the specific mental health-related benefits, including residential treatment.
  • Coverage specifics can vary based on individual plans and regional policies.

Verification of Benefits

  • Parents need to verify the benefits of their specific plan.
  • To better understand what is covered and what is not, contact Cigna directly or consult with your treatment provider. Our admisisons team can help you determine your actual coverage and out-of-pocket expenses.

Turning Winds’ Collaboration with Cigna

  • Turning Winds accepts health insurance as a form of payment for treatment. We work closely with major insurance providers, including Cigna, to facilitate access to necessary mental health services for struggling teens.
  • The admissions team at Turning Winds can assist parents in understanding mental health coverage and health insurance details. We want to ensure your family maximizes their benefits.

FAQs: Teen Residential Treatment Covered by Cigna

The answer is YES. Cigna covers residential treatment for teens. However, they rely on “medical necessity,” meaning your teen’s condition must meet a certain criteria. For example: 

  • Is your teen at risk of harming themselves or others? 
  • Is there severe “functional” impairment?
  • Have they failed to respond to other types of treatment, like outpatient therapy or short-term treatment? 

Cigna covers various types of residential treatment programs for teens, including:

  1. Substance Use Disorder Treatment: Programs that provide a structured environment for teens struggling with substance use, including detoxification, therapy, and support groups.

  2. Mental Health Residential Treatment: Programs focused on treating mental health conditions such as depression, anxiety, and other psychiatric disorders.

  3. Dual Diagnosis Treatment: Programs that address both substance use disorders and co-occurring mental health conditions simultaneously.

  4. Therapeutic Boarding Schools: Residential schools that combine education with therapeutic interventions for teens with behavioral and emotional challenges.

  5. Specialized Programs: Programs tailored to specific needs, such as eating disorders, trauma, or developmental disorders.

These programs typically include group therapy, individual counseling, educational support, and family involvement to ensure comprehensive care.  

Contact us to verify your insurance coverage.

Turning Winds: A Unique Solution

Turning Winds is a unique hybrid of a therapeutic boarding school and residential treatment center that treats behavioral and mental health. We also help teens who struggle with substance misuse, conduct disorders and technology dependency. 

Cigna typically requires prior authorization for mental health treatment, especially for residential treatment programs.

Key steps and requirements: 

  • You must have a referral or recommendation from a mental health professional
  • You need a treatment plan. This is a document that outlines the treatment, duration and expected outcomes.
  • Your healthcare provider must submit these documents to Cigna for prior authorization. 
  • Cigna will review the treatment plan. They want to ensure it is medically necessary (reference the DMS-5) and that your specific health plan covers the recommended treatment. 

If your teen’s treatment is approved, you can proceed. If it is denied, your provider can appeal the decision. Usually, this means they must provide more detailed information and documentation. 

Your Mental Health Treatment Costs at a Residential Treatment for Adolescents Depend on Your Cigna Plan Type

While the exact cost will depend on your child’s treatment plan and specific needs, you can expect some out-of-pocket expenses. These may include:

  • Copayments: Fixed fees for services like therapy or medication.
  • Coinsurance: A percentage of the cost you share with Cigna after meeting your deductible.
  • Deductible: The amount you pay before Cigna coverage kicks in.
  • Out-of-Pocket Maximum: The most you’ll pay in a year for covered services.

📌 Remember: Your Cigna plan details will outline these costs. We can help you check your plan and contact Cigna for personalized information.

(Sample Scenarios for Explanation purposes)

Best Case: PPO/OAP with SCA

If we negotiate a Single Case Agreement:

  • Coverage at in-network rates (80-90%)
  • Your cost: $85-170/day
  • Total: $10,000-15,000 for full treatment

Typical: PPO/OAP Out-of-Network

Standard out-of-network benefits:

  • Coverage: 60-70% after deductible
  • Your cost: Varies by deductible/max
  • Most families reach out-of-pocket max in 6-8 weeks

Challenge: HMO/EPO Plans

No out-of-network benefits, BUT:

  • We can request Single Case Agreement
  • Appeal based on lack of adequate in-network care
  • Private pay with payment plans available

Cigna Mental Health Benefits for Teenagers: What’s Covered

Cigna provides comprehensive mental health coverage for teens, but your specific benefits depend entirely on your plan type. Here’s what’s typically covered:

Standard Mental Health Benefits (Most Plans)
  • Outpatient therapy: Individual, family, and group sessions (typically 20-60 visits/year)
  • Psychiatric services: Medication management and evaluations
  • Psychological testing: ADHD, autism, learning disability assessments
  • Crisis intervention: Emergency mental health services
  • Telehealth: Virtual therapy and psychiatry appointments

Intensive Treatment Benefits (When Medically Necessary)

  • Partial Hospitalization (PHP): Day treatment programs (6+ hours/day)
  • Intensive Outpatient (IOP): 3+ hours/day, multiple days per week
  • Acute Inpatient: Hospital psychiatric units for crisis stabilization
  • Residential Treatment: 24/7 care in therapeutic facilities (coverage varies by plan)
  • Therapeutic Boarding Schools: Some plans with specific criteria

Critical Differences by Plan Type:

Plan Type In-Network Coverage Out-of-Network Coverage
PPO 80-90% after deductible 60-70% after higher deductible
Open Access Plus 80-90% after deductible 60-70% after higher deductible
HMO 90-100% after copay Not covered (except emergencies)
EPO 80-90% after deductible Not covered (except emergencies)

What Determines Coverage for Residential Treatment?

Cigna requires “medical necessity” documentation showing:

  • Outpatient treatment has been unsuccessful
  • Teen cannot be safely treated at a lower level of care
  • There’s risk of harm without 24/7 supervision
  • Functional impairment in multiple settings (home/school/social)

Age-Specific Coverage Notes:

  • Ages 13-17: Full mental health benefits, including residential when medically necessary
  • Age 18: Transitions to adult benefits (may have different coverage limits)
  • College students: May have coverage through school or parent’s plan until 26

💡 Pro Tip: Maximizing Your Benefits

  1. Start with assessment: Get a comprehensive evaluation from a licensed provider
  2. Document everything: Keep records of all treatment attempts and outcomes
  3. Know your rights: Mental health benefits must be equal to medical benefits (parity law)
  4. Use your EAP: Many Cigna plans include free Employee Assistance Program sessions
  5. Consider Single Case Agreements: If adequate in-network care isn’t available

Need help understanding your specific Cigna benefits?

We’ll review your plan and explain exactly what’s covered for your teen’s treatment. Get Your Benefits Explained: 1-800-845-1380

Unfortunately, HMO plans typically do not cover out-of-network providers. However, you still have options:

  • Single Case Agreement: If there are no adequate in-network residential facilities in your area, we can request a Single Case Agreement for coverage
  • Appeal for medical necessity: If your teen’s specific needs cannot be met by in-network facilities
  • Gap exception: If in-network facilities have long waitlists

Our team has successfully obtained coverage for HMO families through these exceptions. Call us to discuss your specific situation.

Look for these indicators:

  • Your card says “PPO” or “Open Access Plus”
  • Your plan documents mention “out-of-network deductible” or “out-of-network coinsurance”
  • When you log into myCigna, there’s a section for out-of-network benefits

Still unsure? We’ll verify this for you during our free consultation.

Turning Winds & Health Care Insurance Coverage

We are here for you! We work with most major insurance providers, including Aetna, to make the process as smooth as possible for families. We have in-house experts that work closely with: 

Contact us or use our verify insurance tool to verify your mental health benefits.

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