Cigna Post Traumatic Stress Disorder (PTSD) Therapy and Treatment Coverage

Post Traumatic Stress Disorder (PTSD); Explained

Post Traumatic Stress Disorder (PTSD) has gone through a few different names over the years, including “shell shock” and “combat fatigue”, names that were used after World War I and World War II with Veterans. Individuals with PTSD have experienced or witnessed a traumatic event that was life-threatening, emotionally, or physically harmful. 

Events that classify as trauma with the Diagnostic and Statistical Manual of Mental Disorders include serious accidents, natural disasters, rape and sexual assaults, and intimate partner violence.  It is important to note that you can experience these events without developing post traumatic stress disorder and other trauma-related concerns. Those who do experience trauma-related concerns may find that symptoms of fear, helplessness, or horror impact their daily life, keeping them from managing their daily responsibilities and causing psychological distress. Examples of traumatic situations that can contribute to the development of PTSD include combat exposure, physical or sexual assault, serious accidents, and natural disasters. If you are experiencing PTSD, your treatment provider may talk to you about various treatment interventions, including therapy and medication, aimed at reducing symptoms and improving quality of life.

How is PTSD Diagnosed?

Post traumatic stress disorder can be diagnosed after a comprehensive evaluation by a mental health professional, such as a psychologist. These evaluations include a detailed exploration of your symptoms, medical history, mental health history, and exposure to traumatic events. The diagnosis is based on criteria outlined in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5).

The criteria for PTSD include specific symptoms that we will take a closer look at shortly. During your assessment and evaluation, your treatment provider can use a number of PTSD screening and other assessment tools to help them better understand the severity of your symptoms. PTSD symptoms last for at least 1 month, and cause significant impairment in your work, social, or other important areas of functioning. The symptoms that you experience cannot be the result of other mental health conditions or caused by substance abuse. 

Understanding the Health Insurance Provider Cigna

Cigna is a global health insurance provider that was founded in 1982. They provide as assortment of insurance products and services, including health, dental, disability, and life insurance. Cigna’s mission is to improve the health, well-being, and peace of mind of those they serve by making healthcare simple, affordable, and predictable.

Cigna offers comprehensive coverage for individuals, families, and employers. Cigna plans are available with different features and services, which allows members to choose coverage that meets their healthcare needs. Because coverage options vary, you may have details associated with your policy that affect your coverage. As an example, you may have limitations, exclusions, or out-of-pocket expenses in the form of deductibles, coinsurance, and copayments. 

Does Cigna Cover the Cost of Post Traumatic Stress Disorder Therapy and Counseling?

Cigna does typically provide coverage for the cost of PTSD therapy and counseling treatment. Depending on your plan, coverage may include individual therapy, group therapy, and other supportive services aimed at helping you learn to manage your symptoms and improve their quality of life. 

Cigna’s coverage for PTSD therapy generally allows you to access inpatient and outpatient treatment, depending on the severity of your symptoms. Your coverage is affected by the assessment from a mental health professional and their determination of the severity of your symptoms. Commonly approved therapeutic interventions for Cigna PTSD treatment programs include cognitive-behavioral therapy (CBT) and eye movement desensitization and reprocessing (EMDR), all of which are effective in treating PTSD. If you have questions about your insurance coverage options, we encourage you to contact the Harmony Substance Abuse Recovery Group or complete our online verification form, which allows us to contact Cigna on your behalf to learn about the details of your plan.

Does UHC Cover the Cost of Psychiatrist Visits for PTSD?

Yes! UnitedHealthcare members can often utilize health insurance coverage towards the costs associated with working with a psychiatrist. Psychiatrists can play a vital role in your treatment by conducting PTSD screening and assessments and prescribing PTSD medications. They will actively monitor your symptoms to make adjustments to your medication regimen as needed.

UnitedHealthcare’s coverage for psychiatrist visits typically includes initial assessments, follow-up appointments, and medication management services. Verifying your insurance can provide you with information on the details of your prescription drug coverage, such as the use of name-brand medications and copayments.   

Does Cigna Cover Psychiatrist Visits for PTSD?

Many individuals who are living with PTSD work with a psychiatrist for comprehensive care. Psychiatrists can conduct your initial assessment or evaluation that determines your clinical diagnosis and the severity of your symptoms. Because this is a crucial step, Cigna typically offers coverage for policyholders working with a psychiatrist.  

Cigna’s coverage for psychiatrist visits generally includes initial assessments and ongoing psychological services or medication management services. Comprehensive care allows you to receive personalized care that addresses the different areas of your life that were affected by your PTSD, helping you improve your overall emotional well-being.  

Does Cigna Cover the Cost of Medication for PTSD?

Cigna does often offer prescription medication coverage, which typically covers the cost of medications that are commonly used to treat PTSD. These medications are commonly used in conjunction with psychotherapy and holistic approaches to provide you with well-rounded clinical care.  

Cigna’s coverage for PTSD medications often includes a range of medications, as you may respond differently to medications than others do. Medications can be used to help relieve symptoms of anxiety, depression, and other trauma-related symptoms. We encourage you to review the details of your coverage because you may have limitations, regarding the use of name-brand medications. Additionally, your plan may include co-pays or deductibles regarding medications.  

What are Common Medications Covered By Cigna for PTSD Treatment?

There are   4 common medication options used to treat PTSD. Your psychiatrist or medical professional will speak with you about available medication options, and how they can help you manage your PTSD symptoms. PTSD medications are often combined with behavioral therapies including group therapy, supportive counseling, and education about effective coping strategies for PTSD. 

One type of medication that is commonly used is Sertraline. This is a Serotonin Reuptake Inhibitor, commonly known as an SSRI. Examples of commonly used SSRIs include Sertraline or Zoloft. This medication can be used to help reduce anxiety symptoms, improve your mood, and decrease the occurrence of intrusive thoughts and flashbacks. This is done by increasing the levels of serotonin in your brain. Paroxetine, also known as Paxil, is another SSRI that can be used to decrease anxiety, flashbacks, and intrusive thoughts that are caused by PTSD.  Fluoxetine, commonly known as Prozac, is an SSRI that can reduce anxiety, improve your mood, and decrease the frequency of flashbacks and other intrusive thoughts.

Serotonin- Norepinephrine Reuptake Inhibitor (SNRI) is another class of medications that can be used to treat PTSD, specifically, Venlafaxine which is known as Effexor. This medication can provide you with relief from anxiety, depression, and hyperarousal by changing the levels of serotonin in your brain. Your prescriber will talk to you about your different medication options, and monitor your symptoms to ensure that you’re taking an effective dose of the medication for you. 

PTSD Treatment Programs Covered by Cigna

A component of Cigna’s comprehensive coverage includes coverage for various treatment programs that provide support for individuals who are experiencing different symptoms and levels of impairments. Your Cigna coverage may also include dual diagnosis care if you are experiencing more than one mental health condition. Commonly used treatment options include: