ABA therapy and Cigna

What is covered

Cigna generally covers ABA for an autism diagnosis when it is medically necessary and prior authorized. Your plan document decides the specifics.

Cigna's behavioral health benefit runs through Evernorth, so the number for medical questions is often not the number for ABA authorization.

Ask them: Do I call Cigna or Evernorth for the ABA authorization?

Self-funded or fully insured?

Ask your employer which yours is. Fully insured plans follow your state's autism mandate; self-funded plans follow federal rules instead. Many cover ABA either way.

Before your first session

• Confirm the agency is in network, not just willing to bill.
• Ask how many authorized hours, over what dates.
• Ask your copay per session.
• Get the reauthorization date in writing.