Insurance · Cigna
Cigna Mental HealthCoverage
Exist is in-network with Cigna. We check your plan for PHP, IOP, and outpatient therapy for free, and benefits vary by plan.
Located in Laguna Beach, California
(949) 670-9345- Network statusIn-network
- Reply timeOne business day
- What we needMember ID + DOB
The quick answer
Yes, Exist Is In-Network With Cigna
Exist is in-network with Cigna, and we check your Cigna mental health coverage for PHP, IOP, and outpatient therapy at our clinic in Laguna Beach. Send us a member ID and date of birth, and we'll get back to you within one business day. Benefits vary by plan, so verification is not a guarantee of coverage.
We check your benefits for free before you start.
What Happens After You Reach Out
Checking your benefits is free. You send us a few details, we contact Cigna, and within one business day we tell you what your plan covers.
Reach Out
Call, text, or leave a voicemail at (949) 670-9345, or send the insurance form on our site.
Member ID
We need the member ID on your Cigna card and the date of birth of the person on the plan.
The Plan
We ask Cigna how your plan covers PHP, IOP, and outpatient therapy at Exist.
Write Back
Within one business day, we tell you what Cigna said, and you decide what to do next.
What We Check on a Cigna Plan
We ask about each level of care Exist offers, because your plan may cover each one differently. The Truth House is listed so you know up front that insurance does not cover it.
Talk to admissionsPHP
PHP runs about six hours a day, Monday through Friday, and we ask Cigna how your plan covers it.
- Full day
- Laguna Beach
IOP
IOP runs about three hours a day, three to five days a week, at the same clinic as PHP.
- About 3 hours
- Same clinic
Outpatient
Outpatient 1:1 is therapy with one clinician, in person or virtual, when a program is more than you need.
- 1:1
- In person or virtual
Truth House
Our transitional housing is for people in Exist PHP or IOP, and insurance does not cover it.
- Housing
- Not covered
How PHP and IOP Compare
PHP
The week
About six hours a day, Monday to Friday.
About three hours a day, three to five days.
Groups each day
Four group sessions.
Two group sessions.
Evenings
Home or the Truth House.
Home or the Truth House.
What we ask Cigna
How your plan covers PHP.
How your plan covers IOP.
Paying With Cigna
Exist is in-network with Cigna, and many Cigna plans include benefits for PHP and IOP. Benefits vary by plan, so we check yours for free and get back to you within one business day.
In-Network With Cigna
In-network care usually costs you less out of pocket than out-of-network care, and we confirm what your plan covers before you start.
Private Pay
You can also pay by credit card or set up a payment plan, and we accept CareCredit.
If We're Not the Right Fit
If another program would serve you better, we'll tell you honestly and help you find a referral.
After We Hear Back From Cigna
- 01
Choose a Level of Care
Admissions tells you honestly whether PHP, IOP, outpatient care, or a referral would serve you best.
- 02
Assessment and Intake
We complete a short assessment with you, go over costs and coverage, and set your intake date.
- 03
Your First Day
You get your schedule ahead of time, and our team gives you a warm welcome when you arrive.
Questions About Cigna, Answered Plainly
Exist is in-network with Cigna, and many Cigna plans include benefits for PHP and IOP. Benefits vary by plan, so we check yours for free and get back to you within one business day.
Something we didn’t cover? Call (949) 670-9345 or text us.
Start With a Conversation
Call us and tell us what's going on. We'll check your Cigna plan and tell you honestly whether PHP, IOP, outpatient therapy, or a referral would serve you best.
Clinically reviewed by Dr. Courtney Tracy, LCSW, PsyD · Reviewed September 2026