Grief & Loss therapy covered by Cigna
"Grief doesn't pause for a pregnancy or a new baby. And no one teaches you how to hold both."
+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.
Does Cigna cover grief counseling?
Grief itself is not a billable diagnosis, so a claim filed as bereavement alone will be denied by Cigna as it would by any insurer. Coverage applies when grief has produced a diagnosable condition -- an adjustment disorder, major depression, or prolonged grief disorder, which entered the DSM-5-TR in 2022 and is billable. Most people seeking grief therapy months after a loss meet criteria for one of these. We establish that at the assessment.
Phoenix Health is in-network with Cigna in Arizona, California, Florida, Georgia, Louisiana, Minnesota, Montana, New York, South Carolina, Texas and Washington, so we bill the plan directly and you pay only your copay or coinsurance. Cigna prices outpatient therapy as a specialist visit — a copay, commonly $20 to $50, once your deductible is met. Cigna is unusual in how it files behavioral health: the benefit sits under Evernorth, so a Cigna quote for a medical specialist visit will not always match what therapy actually costs. Ask about behavioral health specifically rather than 'specialist copay'.
Checking it yourself: Call the behavioral health number on the back of your card and ask three questions: is this provider in-network for outpatient behavioral health, what is my specialist copay, and has my deductible been met? We do this verification for you before your first session at no charge.
Your card might say any of these — all of them are Cigna:
✓ 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 carrying a major loss alongside pregnancy or new parenthood, and the two keep colliding
- ✓You're grieving a parent who never met the baby, or who can't be here in the way you needed
- ✓A previous pregnancy loss is coming back hard during this pregnancy or postpartum
- ✓You feel like you're not allowed to grieve because the baby is here and healthy
- ✓You're angry at people who don't understand why you're still struggling
- ✓You're afraid that grieving will hurt your bond with your baby, or that being happy will betray the person you lost
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
Grief in the perinatal period is one of the most underestimated experiences I see. People expect you to be radiant, and meanwhile you're missing someone who isn't here to meet this baby. I tell my clients early that we don't make this smaller. We make space for it. That's a different kind of work, and it does bring peace.
What therapy looks like
Our Grief & Loss specialists who accept Cigna
Most Phoenix Health therapists hold PMH-C certification — the gold standard in perinatal mental health.
Amanda Flowers
LPC, PMH-C · Licensed therapist
Works with perinatal OCD and neurodivergence, using body-based tools to calm the nervous system.
Licensed in TX, MT
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Natalia Cruz Navarro
EspañolLCSW · Licensed therapist
12+ years with families through high-risk pregnancies, fetal diagnoses, and NICU stays.
Licensed in CA
Lyndsay Ward
LCSW, PMH-C · Licensed therapist
An attachment theory expert who helps you unpack how your childhood shows up in your parenting.
Licensed in NY
Golda Fleischman
LMSW · Licensed therapist
A birth doula before she was a therapist, she helps you prepare for a birth or process a hard one.
Licensed in NY
Stories that may sound familiar
These are examples, not client reviews. We don't publish our clients' words. What's said in therapy stays there.
“"After three failed IVF rounds, I was told to 'just stay positive.' My therapist was the first person who acknowledged the grief, the anger, and the exhaustion and helped me process what I'd been through. I finally felt seen."”
“We lost our son at 22 weeks. The world moved on immediately. I was expected to recover, try again, look forward. My therapist helped me understand that the love doesn't go away just because the pregnancy did, and that I was allowed to mourn him as the person he was going to be. That acknowledgment was everything.”
“After my second miscarriage, everyone told me to stay positive for next time. What I needed was someone to sit with me in the loss, not rush me past it. My therapist gave me that space. She helped me grieve without a timeline, and taught me that grief and hope can exist at the same time. I needed to hear that.”
“My dad died eight weeks before my daughter was born. Everyone at her christening kept saying she looked like him. I couldn't breathe. My therapist helped me find a way to hold the joy and the missing in the same hand. It took time, and it was worth it.”
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 Grief & Loss 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
- Grief itself is not a billable diagnosis, so a claim filed as bereavement alone will be denied by Cigna as it would by any insurer. Coverage applies when grief has produced a diagnosable condition -- an adjustment disorder, major depression, or prolonged grief disorder, which entered the DSM-5-TR in 2022 and is billable. Most people seeking grief therapy months after a loss meet criteria for one of these. We establish that at the assessment. Phoenix Health is in-network with Cigna in Arizona, California, Florida, Georgia, Louisiana, Minnesota, Montana, New York, South Carolina, Texas and Washington, so we bill the plan directly and you pay only your copay or coinsurance. Cigna prices outpatient therapy as a specialist visit — a copay, commonly $20 to $50, once your deductible is met. Cigna is unusual in how it files behavioral health: the benefit sits under Evernorth, so a Cigna quote for a medical specialist visit will not always match what therapy actually costs. Ask about behavioral health specifically rather than 'specialist copay'.
- Yes, and it's also worth treating. Many parents feel that loving the baby means they aren't allowed to grieve. That's not true, but the guilt itself can become its own layer that needs care. Therapy gives you permission, and a structure, for holding both.
- Previous losses often resurface during a new pregnancy or birth. Anniversary reactions, body memories, and the contrast with a current healthy pregnancy can bring it all up again. That's not a sign that earlier work failed. It's a sign that this stage is asking for its own round of processing.
- Talking about it in a structured, therapeutic way tends to help, not hurt. Avoidance is what tends to make grief heavier over time. Your therapist will pace the work so it never floods you.
- It varies. Some people see meaningful shifts in 3 to 6 months. Complicated or traumatic grief often takes longer. The goal isn't to be done. It's to find a way to carry it that doesn't take up your whole life.
- 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 grief & loss
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 Grief & Loss guides →Often goes alongside