Sleep & Mental Health therapy covered by Cigna
"The baby finally sleeps and I lie there wide awake. I'm exhausted and I can't turn my brain off."
+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 therapy for sleep problems after a baby?
Yes. CBT-I, the first-line treatment for insomnia, is delivered by a therapist and billed under your Cigna behavioral health benefit -- either against an insomnia diagnosis or against the mood or anxiety disorder it accompanies, which in the postpartum period it usually does. This is separate from a sleep study, which runs through your medical benefit.
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 exhausted but you can't fall asleep, even when the baby is finally down
- ✓Your brain won't turn off, especially at 3 a.m.
- ✓You're dreading bedtime because you know what's coming
- ✓You wake up at the slightest sound and can't get back down
- ✓Your sleep problems started in pregnancy or postpartum and haven't resolved
- ✓You're depressed or anxious and you think sleep is a big part of why
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
Sleep is one of the most under-treated mental health interventions in postpartum care. Parents are told it's just part of having a baby, and meanwhile their depression and anxiety get worse and worse. CBT-I is one of the most effective tools we have, and it works even when the baby is still waking. That's the part most parents don't know.
What therapy looks like
Our Sleep & Mental Health 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.
“"I couldn't sleep when the baby slept. I'd lie down and my brain would race with everything I was supposed to be doing or worried about. Eight months in I was running on maybe three hours a night and starting to scare myself. My therapist and I figured out that the insomnia was a symptom and worked backward from there."”
“"Sleep deprivation hit me harder than it hit my husband and I couldn't understand why. My therapist helped me see that I was wired for alertness from anxiety that predated the baby. We worked on the anxiety, which turned out to be what was keeping me awake, not my son."”
“"My baby started sleeping through the night at four months and I didn't. I'd lie awake listening for sounds that weren't there and check the monitor twelve times. My therapist helped me understand that my nervous system had been running on high alert for so long it didn't know how to come down even when it was safe to. Relearning how to rest was real work."”
“I had been awake every night from 3 to 5 a.m. for four months. Not the baby, just me. CBT-I felt strange at first because some of the techniques are counterintuitive. Within six weeks I was sleeping again, and my anxiety dropped almost without me trying.”
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 Sleep & Mental Health 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
- Yes. CBT-I, the first-line treatment for insomnia, is delivered by a therapist and billed under your Cigna behavioral health benefit -- either against an insomnia diagnosis or against the mood or anxiety disorder it accompanies, which in the postpartum period it usually does. This is separate from a sleep study, which runs through your medical benefit. 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. CBT-I works even when sleep is fragmented by an external factor like a baby. The goal isn't to give you eight straight hours. It's to help you fall asleep faster when you have the chance, get back down after night feeds, and stop the insomnia that piles on top of the disruption the baby is already causing.
- Pregnancy sleep disruption is very common, especially in the third trimester, due to physical discomfort, frequent urination, and hormonal changes. But true insomnia (difficulty falling asleep or staying asleep even when comfortable, with significant daytime impact) is different from typical pregnancy sleep changes and worth treating.
- Some sleep aids are used in pregnancy and breastfeeding under medical supervision, but CBT-I is typically tried first because it works as well or better and doesn't involve medication. Your therapist can help you weigh options with a prescriber if needed.
- Often both. Hypervigilance around the baby can fuel insomnia, and insomnia can amplify anxiety. Treating both at once tends to work better than treating one in isolation. A perinatal-trained therapist will look at both pieces.
- 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 sleep & mental health
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 Sleep & Mental Health guides →Often goes alongside