Infertility therapy covered by Cigna
"Every month is a cycle of hope and grief. Nobody warns you it's this hard."
Infertility affects 1 in 8 couples — the emotional toll is comparable to a cancer diagnosis.
+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've been trying to conceive for months or years and the emotional weight is becoming hard to carry
- ✓You're dreading social events, baby announcements, or pregnancy reveals from friends
- ✓Your relationship has changed under the pressure, and intimacy doesn't feel like intimacy anymore
- ✓You feel angry at your body, at your partner, or at people who got pregnant easily
- ✓You're isolating from people who don't understand, and that isolation is making it harder
- ✓You're holding it together for work and family and you're exhausted from the performance
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
Infertility is one of the most underestimated experiences in my practice. The cumulative weight of each month, each appointment, each negative test, is enormous, and most people are carrying it without anyone really seeing it. Therapy doesn't shorten the road. It does change what it's like to walk it.
What therapy looks like
Our Infertility 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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“"What nobody tells you about infertility is that it changes how you see pregnant people. I couldn't go to baby showers. I hid from social media. I felt like a horrible person for feeling what I was feeling. My therapist helped me understand that grief doesn't follow rules and that I was allowed to feel all of it without shame."”
— TTC, 2 years
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“Two years of treatments and nobody talked about what it does to your relationship, your identity, your sense of self. I felt like my body had failed me. My therapist helped me separate my worth from my fertility, and helped my husband and I find each other again in the middle of it. Still trying. Feeling more like myself than I have in years.”
— TTC, 3 years
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“My emergency C-section left me with nightmares and panic attacks. I couldn't talk about the birth without shaking. Therapy helped me process the trauma and reclaim my story. I'm pregnant again now, and I actually feel ready.”
— expecting mom of 1
⭐⭐⭐⭐⭐
“I had stopped telling people we were trying because I couldn't handle one more well-meaning comment. My therapist understood the language and the timing, and I never had to explain a single thing twice. After six months I felt like I had my life back, even though we were still in treatment.”
— Nina, in treatment 2 years
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 Infertility 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
- It helps. A generalist may inadvertently say things that don't land well. A therapist trained in reproductive mental health understands the medical timeline, the language, the relationship strain, and the specific kind of grief that infertility produces.
- Yes, and it's also something therapy can help with directly. Infertility puts couples under sustained pressure, and partners often process it differently. Individual therapy can help, and sometimes couples work added in is the right call.
- No. Setting limits on what you can attend is a reasonable response to grief, and your therapist can help you figure out how to communicate that without losing relationships you care about. It is not a moral failing to take care of yourself.
- Therapy is not a fertility treatment. What therapy does is reduce the stress, isolation, and depression that come with infertility, which improves quality of life during a very hard chapter. Some research suggests that lower distress may have modest effects on treatment outcomes, but the primary value is in how you live, not in the outcome.
- 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 infertility
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 Infertility guides →Often goes alongside