Is Navi really free?
Yes, 100% free! We're here to help you navigate the mental health system—no hidden costs, no catches. We make it easier for you to find care, and our partners pay us when we make a successful match.
Cigna, Evernorth, and your mental health benefits
Cigna administers most of its behavioral health benefits through Evernorth Behavioral Health — Evernorth is The Cigna Group's health-services brand, formerly known as Cigna Behavioral Health. Your medical card may say Cigna while your therapy claims or portal say Evernorth; it is the same coverage.
Coverage still varies by Cigna product (Open Access Plus, LocalPlus, EPO, HMO, and more) and by state.
A navigator verifies your specific plan and whether a provider is accepting that coverage. Navi does not guarantee that every product from a named insurer, or every clinic, is in-network.
Cigna plan types and what they mean for therapy
PPO-style plans like Open Access Plus usually let you see any licensed therapist without a referral and often include out-of-network benefits. EPO and HMO plans usually cover in-network providers only; POS plans blend the two; high-deductible plans may mean you pay the full rate until the deductible is met.
Tell the navigator which Cigna plan you have. A navigator verifies coverage and openings before matching you.
Frequently asked questions
- Is Cigna the same as Evernorth?
- Evernorth is The Cigna Group's health-services arm, and Evernorth Behavioral Health (formerly Cigna Behavioral Health) administers mental health benefits for most Cigna plans. You still use your Cigna plan and member ID; seeing "Evernorth" on a portal or claim does not mean you have different insurance.
- What insurances do you accept?
- We work with all insurances—Medicaid, Medicare, commercial plans, and even out-of-pocket options. Our navigators will help you understand your coverage and find in-network providers.
- How quickly can I get an appointment?
- Most people get scheduled within a week. We prioritize urgent cases and work hard to find the fastest available appointments based on your needs and preferences.
Ready to get matched?
Call 888-505-NAVI (6284). Navigation is free for callers. Partner practices receive matched patients. For emergencies call 911; for a crisis call or text 988.
Navi is not a crisis service and does not provide clinical care. If you or someone else is in immediate danger, call 911 or go to the nearest emergency room. For a mental health crisis, call or text 988.