Fertility & IVF therapy covered by Cigna
"The treatments are relentless. My body and emotions are exhausted."
+9 moreNo commitment. We'll confirm your coverage before your first session.
Using your Cigna benefits
Phoenix Health is in-network with Cigna, including plans branded as Evernorth. If your card says Evernorth, that's Cigna's behavioral health division, and the coverage and network are the same. Cigna is one of the larger national insurers we work with, and their telehealth mental health coverage has expanded significantly. Our PMH-C certified therapists support Cigna members through pregnancy and the postpartum period, treating postpartum depression, perinatal anxiety, birth trauma, and related concerns. Most Cigna plans cover outpatient therapy at a specialist copay once your deductible is met, and they've been strong on telehealth parity, meaning your video sessions are covered the same way as in-person visits. Under the Mental Health Parity and Addiction Equity Act, Cigna plans must cover behavioral health at the same level as physical health, so you shouldn't face higher copays or stricter visit limits for therapy than you would for a comparable medical appointment. Before your first session, we confirm your specific Cigna plan benefits, including whether prior authorization is needed (some Cigna plans require it for ongoing therapy after an initial evaluation). Sessions are FSA and HSA eligible. To verify yourself, call member services and ask: 'Do I have in-network outpatient mental health benefits? What is my copay and has my deductible been met?' We're also happy to handle this verification as part of getting you started.
✓ In-network coverage
Your benefits apply directly — no superbills or out-of-network claims.
✓ Benefits verified upfront
We confirm your copay and deductible before your first session, at no charge.
✓ Telehealth covered
Your plan covers virtual sessions at the same rate as in-person specialist visits.
You might benefit from therapy if…
- ✓You're in active treatment and the cumulative weight is becoming hard to carry
- ✓You've had failed cycles and the grief from each is starting to pile up
- ✓Your relationship has changed under the pressure
- ✓You're terrified of the next two-week wait, the next call from the clinic, the next appointment
- ✓You're isolating from people who don't understand, and the isolation is making it harder
- ✓You're considering or grieving the move to donor eggs, donor sperm, surrogacy, or stopping treatment
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
Clients in IVF often arrive in therapy describing themselves as overdramatic or weak. Nothing could be further from true. You are living through one of the most demanding processes I see, and the fact that you're still upright is not weakness, it's endurance. Therapy is about taking some of the weight off so the endurance doesn't cost you everything else in your life.
What therapy looks like
Our Fertility & IVF specialists who accept Cigna
Most Phoenix Health therapists hold PMH-C certification — the gold standard in perinatal mental health.
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Tiara Okoruwa
PhD, LCSW
Tiara is a Licensed Clinical Social Worker in Texas specializing in perinatal mental health, supporting expecting and new parents through anxiety, grief, and the transition to parenthood using a trauma-informed, integrative approach.
Licensed in TX
Lyndsay Ward
LCSW, PMH-C
Lyndsay is a Licensed Clinical Social Worker in New York dedicated to guiding parents through the unique challenges and transitions found in every stage of the family-building journey.
Licensed in NY
Sailys Concepcion
LMHC, LPC, LPCC, PMH-C
Sailys is a bilingual therapist who helps parents navigate the emotional journey of pregnancy, postpartum, infertility, and loss across California, Florida, Georgia, Arizona, Washington, and Louisiana.
Licensed in CA, LA, WA, AZ, GA, FL
Amanda Flowers
LPC, PMH-C
Amanda is a Licensed Professional Counselor in Texas and a Licensed Clinical Professional Counselor in Montana specializing in perinatal mental health, supporting clients through pregnancy, postpartum, and infertility using a collaborative, trauma-informed, and mind-body approach.
Licensed in TX, MT
Real clients. Real relief.
What our clients say about their experience.
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“"After my third failed cycle my doctor recommended a break. I didn't know what I was supposed to do with myself outside of IVF. It had become my whole identity. My therapist helped me figure out who I was when I wasn't waiting for test results. That turned out to be the most important work I did."”
— TTC, 4 years
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“"IVF is the loneliest thing I've ever done in a room full of other people doing the same thing. You sit in waiting rooms with women going through exactly what you are and nobody speaks. My therapist gave me a place to say all of it out loud: the grief of each failed cycle, the physical toll no one prepares you for, the rage at how unfair it is."”
— IVF, cycle 3
⭐⭐⭐⭐⭐
“"I'd been through four failed transfers and was about to give up. My therapist helped me figure out what I actually wanted, not what I thought I was supposed to want. That clarity changed everything."”
— IVF warrior
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“After my third failed transfer I could barely function. I needed someone who didn't flinch at the medical detail and who got the timing. By the time we did our fourth cycle I went in with way more steadiness than I had ever had, regardless of how it went.”
— Stephanie, IVF patient
In-network with
Cigna.
Most clients pay less than $20 per session.
Accepted Insurance Networks
Your rights under federal parity law
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), your insurer cannot impose more restrictive limits on mental health coverage than on comparable medical or surgical benefits.
See full coverage map →Ready to start Fertility & IVF therapy? Here’s how it works.
The whole process takes about 5 minutes. We handle insurance — you just show up.
- 1
Book your free call
A quick 15-minute chat to hear what you're going through, answer your questions, and make sure we're a great fit for your needs. No cost, no commitment.
- 2
Get matched
We'll pair you with the right specialist for your specific situation. We'll also check your insurance, so you know your exact cost per session before moving forward.
- 3
Start your first session
Meet your therapist from the comfort of home. No commute, no waiting rooms, no judgment. Most clients notice a real difference within just 2 to 3 sessions.
No commitment · Most insurance accepted · Available this week
Common questions
- The research is mixed and the effects, if any, are modest. The bigger point is that the stress of treatment is real on its own terms, and you deserve support whether or not it changes outcomes. Anyone who tells you to just relax is not engaging with what you're actually living.
- This is one of the most common splits in fertility couples. Often one partner wants to process out loud and the other needs distance to cope. Therapy can help bridge that. Individual therapy gives you a place to process, and sometimes couples sessions help you both find a sustainable way to handle the talking and the not-talking.
- There is no formula. This is one of the hardest decisions, and most clients benefit from working it through carefully rather than making it in the aftermath of a hard cycle. Therapy gives you a structured place to look at your values, your finances, your relationship, and your body, and to make the call with more clarity.
- Yes. Third-party reproduction comes with its own emotional terrain, including grief about genetic connection, decisions about disclosure, and complex feelings during pregnancy or after birth. Therapists with PMH-C and reproductive mental health training are equipped for that work.
- Most Cigna plans cover telehealth behavioral health sessions at the same rate as in-person care under the Mental Health Parity and Addiction Equity Act. Phoenix Health verifies your specific plan benefits before your first session. Your out-of-pocket cost typically depends on your deductible and copay structure.
- PMH-C (Perinatal Mental Health Certification) is awarded by Postpartum Support International (PSI) to clinicians who have completed advanced training in perinatal mental health — covering postpartum depression, anxiety, OCD, birth trauma, and related conditions. It represents the gold standard of specialization in this field.
- If you're struggling — with your mood, your thoughts, your relationship, or just how you're coping — that's enough of a reason to talk to someone. You don't need a diagnosis. A free consultation is a low-commitment first step.
From the Phoenix Health resource center
Articles and guides about fertility & ivf
Trusted by leading voices in parenting and mental health
OBs, doulas, and pediatricians refer their patients to us because we specialize in maternal mental health.
The sooner you start,
the sooner you'll
feel like yourself again.
You've been surviving. It's time to start healing.
No commitment · Covered by insurance · Available this week
Learning resources
🔬Read our Fertility & IVF guides →Often goes alongside