Does Cigna Cover EMDR Therapy?
How Cigna covers EMDR through Evernorth Behavioral Health — billed as standard psychotherapy, typical costs, and how to find in-network EMDR providers.
The Short Answer
Yes, Cigna covers EMDR. Eye Movement Desensitization and Reprocessing is an evidence-based treatment for PTSD recognized by the American Psychological Association. Cigna covers EMDR under standard outpatient mental health benefits, administered through Evernorth Behavioral Health at parity with medical services per MHPAEA.
EMDR sessions are billed as standard psychotherapy (90834 or 90837). There is no EMDR-specific code or benefit.
Key Takeaways
- Cigna covers EMDR under outpatient mental health; administered by Evernorth.
- EMDR is billed as standard psychotherapy; no special code.
- In-network copays typically $20–$50 per session.
- Finding in-network EMDR-trained providers is the main friction; cross-reference with EMDRIA directory.
- Prior authorization is not required for standard outpatient EMDR.
What Cigna Covers for EMDR
CPT codes
| CPT Code | Description |
|---|---|
| 90791 | Intake / diagnostic evaluation |
| 90834 | 45-minute psychotherapy |
| 90837 | 60-minute psychotherapy (common for EMDR) |
Covered conditions
PTSD, complex PTSD, trauma-related anxiety, depression, and adjustment disorders.
Session count
Typical EMDR courses: 6–12 sessions for single-incident trauma, longer for complex. Cigna does not impose a fixed session cap on most plans.
In-Network vs. Out-of-Network EMDR
In-network
- Start at Cigna provider directory; filter by Behavioral Health
- Cross-reference with EMDRIA directory
- Call providers to confirm EMDR training and Cigna in-network status
Out-of-network
- Cash-pay rates: $150–$300 per session
- PPO plans reimburse 50–80% of allowed amount after OON deductible
- HMO plans: no OON coverage
- Submit superbills via myCigna.com
Prior Authorization
Not required for standard outpatient EMDR.
How to Verify Your Cigna EMDR Coverage
Call 1-800-244-6224 or the BH number on your card.
Script
- "What is my copay for individual psychotherapy CPT 90834?"
- "Is 90837 reimbursed at the same rate?"
- "Is prior authorization required for outpatient therapy?"
- "Do I have out-of-network benefits, and what is the allowed amount for 90834?"
- "Are telehealth EMDR sessions reimbursed at the same rate as in-person?"
- "Is my BH managed by Evernorth?"
Typical Out-of-Pocket Costs for an 8-Session EMDR Course
| Scenario | Per Session | 8-Session Course |
|---|---|---|
| In-network, $30 copay | $30 | $240 |
| In-network, $50 copay | $50 | $400 |
| HDHP before deductible | ~$100–$150 | $800–$1,200 |
| OON PPO, 70% reimbursement | ~$60–$120 post-reimbursement | $2,500+ (year 1) |
| Cash pay | $150–$300 | $1,200–$2,400 |
See EMDR therapy cost for the private-pay view.
What to Do If Cigna Denies an EMDR Claim
- Get the EOB in writing.
- Ask provider to peer-review with Evernorth.
- File a first-level appeal within 180 days via myCigna.
- Cite MHPAEA parity if denial appears inconsistent with how comparable medical services are covered.
- External review after internal appeals.
Frequently Asked Questions
Does Cigna cover EMDR for conditions other than PTSD? Yes. EMDR for anxiety, depression, phobias, and adjustment disorders is covered when billed by a licensed provider for a diagnosed condition.
Does Cigna cover online EMDR? Yes — telehealth EMDR is covered at the same rate as in-person on most Cigna plans. See can you do EMDR online?
Is EMDR more expensive than CBT under Cigna? Per session, no. Total course cost is often lower because single-incident EMDR can resolve in fewer sessions.