In-Network Cigna Therapists in Phoenix, Paradise Valley, Scottsdale, and Cave Creek

If you have Cigna and you’re looking for a therapist in Phoenix, here’s the short version: yes, we’re in-network with Cigna. That means your care is billed to Cigna at its negotiated in-network rate, which usually makes therapy more affordable than paying out of pocket — and you don’t have to spend your evening cross-checking directory listings to find out whether we take your plan.

Cost is the most common reason people put off getting help. Being in-network is how we take that reason off the table.

Yes – We’re In-Network with Cigna

Cigna runs its behavioral health benefits through Evernorth (you may see either name on your card or in your member portal — they’re the same coverage). Marley Mental Health is in-network, so your sessions are billed directly to Cigna at the in-network rate. What you owe depends on your specific plan — a copay for some, or, if your plan has a deductible you haven’t met yet, the negotiated rate until you reach it, then a copay or coinsurance after.

What you’ll actually pay depends on your specific plan — but you won’t have to figure that out alone (more on that below).

How to Check Your Cigna Behavioral Health Benefits

You can confirm your coverage in a couple of minutes:

• Log in to the myCigna app or website, or call the number on the back of your card and ask about outpatient mental health coverage.
• The questions worth asking: What’s my copay for outpatient therapy? Does my deductible apply first, and how much is left? Is telehealth covered the same as in-person? Do I need a referral?

Also, if your card or benefits mention Evernorth, you’re in the right place — that’s Cigna’s behavioral-health network.

Using Your Cigna EAP Benefit

Have an EAP (Employee Assistance Program) benefit through your employer? A lot of our Cigna clients start exactly here. Cigna EAP benefits typically cover a set number of counseling sessions free — at no cost to you — and they work a little differently from regular medical benefits, usually requiring an authorization or referral code you’ll bring to your first session. Mention your EAP when you reach out and we’ll confirm how to use it. And if you want to continue after your EAP sessions run out, you can usually transition straight into your regular in-network Cigna benefit with the same therapist, so there’s no starting over.

What Therapy at Marley Mental Health Looks Like

We’re a Phoenix-based group practice offering individual therapy in person and online across Arizona, with clinicians who specialize in anxiety, depression, trauma, life transitions, and perinatal mental health, among other areas. You can meet our therapists to get a feel for who you might work with, and one of the things we love most is helping clients find the right fit. Call or text us to talk.

What it Will Cost

Honestly, it depends on your plan — copays, deductibles, and coinsurance vary from one Cigna plan to the next, so anyone who quotes you an exact number sight-unseen is guessing.

The most reliable way to know your exact cost is to confirm your benefits directly with Cigna (the number’s on your card). When you reach out, we’re glad to check coverage as a courtesy and help you get started — but confirming your eligibility, benefits, and whether a provider is in-network with your plan is ultimately your responsibility as the member.

Ready When You Are

You can also learn more about our therapists or explore individual therapy to see what working together looks like.

Coverage, benefits, and in-network status vary by plan and can change. Confirming your own eligibility and benefits is ultimately the member’s responsibility; we recommend verifying directly with your insurer before your first session.

See all the plans we accept on our Insurance We Accept page.