Pregnancy After Loss therapy covered by Cigna
"I'm pregnant again but I can't let myself feel excited. I'm terrified."
+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 pregnant after a miscarriage, stillbirth, neonatal loss, or termination for medical reasons, and the fear is constant
- ✓You're holding your breath until the next scan, then starting over
- ✓You can't let yourself buy anything for the baby, decorate, or talk about plans
- ✓Anniversary dates of the previous loss are coming up, and you're bracing for them
- ✓You feel guilty about the previous baby or the previous pregnancy
- ✓You don't know how to talk to your partner about it without making things harder for them
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
Pregnancy after loss is one of the hardest stretches I treat, because the people around you want you to be happy and you're busy trying to survive each week. Therapy gives you somewhere to put all of it, the grief and the terror and the slow, careful hope, without having to manage anyone else's reaction.
What therapy looks like
Our Pregnancy After 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
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
Analisa Velasco-Lopez
EspañolLCSW · Licensed therapist
A toddler mom herself, she helps parents heal from difficult births.
Licensed in CA
%20(1).png)
Natalia Cruz Navarro
EspañolLCSW · Licensed therapist
12+ years with families through high-risk pregnancies, fetal diagnoses, and NICU stays.
Licensed in CA
Real clients. Real relief.
What our clients say about their experience.
⭐⭐⭐⭐⭐
“"After my stillbirth I was terrified to try again and terrified not to. When I finally got pregnant, I dissociated for most of the first trimester, just protecting myself from more loss. My therapist helped me reconnect before the baby arrived so I wasn't meeting him already armored."”
— loss mom
⭐⭐⭐⭐⭐
“"I refused to buy anything for the nursery until 36 weeks. I wouldn't let my husband tell anyone. I went to every appointment convinced they were going to find something wrong. My therapist helped me understand that the hypervigilance made sense, and also that it was costing me the pregnancy. Slowly we worked on staying in the present instead of waiting for bad news."”
— expecting mom, 2nd pregnancy
⭐⭐⭐⭐⭐
“"I got pregnant again six months after my loss and couldn't celebrate. Every week past where we'd lost the last one felt like permission to breathe a little more, and every week before it felt like holding my breath. My therapist helped me stop spending the pregnancy in survival mode and actually be present for it. It wasn't easy. It was worth it."”
— mom after loss
⭐⭐⭐⭐⭐
“I lost my first at 22 weeks. When I got pregnant again I couldn't breathe until I was past that week. My therapist helped me make a plan for the day I crossed that line and for every scan after. I am holding a baby now and I am still grateful for how she got me there.”
— Jordana, after stillbirth
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 Pregnancy After 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
- Acute, severe, sustained anxiety can affect pregnancy outcomes, which is exactly why getting support matters. But everyday anxiety in response to a real history is not damaging your baby. What's most protective is treatment, which is what you're doing by looking for help.
- Protective detachment is extremely common in pregnancy after loss. Many people unconsciously hold back attachment until they feel safer, often after the gestational week of the previous loss, after a key scan, or sometimes not until they're holding the baby. That's your nervous system protecting you. It doesn't predict your bond.
- Earlier is better. Many clients start before they're pregnant or in the first trimester. Having tools and a relationship with a therapist in place before the highest-anxiety milestones makes a real difference.
- Yes. Loss at any gestational age, and after birth, is treatable with grief and trauma-focused therapy. Many of our therapists have specific training in this 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 pregnancy after 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 Pregnancy After Loss guides →Often goes alongside