How does the switch from Health Alliance to Cigna affect mental health providers?

If you are not credentialed with Cigna by the time the 2026 plan begins, all Carle Health employees will see you as an out-of-network provider. This can result in high out-of-pocket costs for clients and a high likelihood that they will transfer to an in-network therapist.

What are the out-of-network benefits for Carle Health employees under Cigna?

The expected out-of-network benefits include a $2,000 deductible and 50% coinsurance. Clients must pay the full session cost until they meet the deductible and then are responsible for half of each session's cost afterward.

Will I lose my Carle Health employee patients if I stay out-of-network with Cigna?

Yes. Because of the high deductible and 50% coinsurance for out-of-network services, most Carle Health employees will not continue with an out-of-network therapist. Being out-of-network will likely result in losing these patients.

How long does Cigna credentialing take?

Cigna often takes the full 90 days to complete credentialing for mental health providers. Delays are common if CAQH is incomplete or if practice details don’t match. Providers should begin the credentialing process as early as possible.

When should therapists apply for Cigna credentialing?

Therapists should apply immediately. Waiting until late 2025 or early 2026 may result in not being approved in time, leaving you out-of-network when the new Cigna plan begins.

Does being in-network with Health Alliance make me in-network with Cigna?

No. Health Alliance and Cigna are separate networks. In-network status does not transfer. Providers must complete Cigna’s credentialing process from scratch.

What should mental health providers do to prepare for Carle Health’s insurance change?

Providers should start Cigna credentialing now, update their CAQH profile, ensure NPI and practice details are correct, decide whether to credential individually or as a group, and notify current Carle employee clients about upcoming changes.

Credentialing

What Insurance Plan Will Carle Health Employees Have in 2026? A Guide for Mental Health Providers

Q: What insurance plan will Carle Health employees have in 2026?

Carle Health employees are expected to move from Health Alliance to a Cigna-administered insurance plan beginning in 2026. Therapists currently treating Carle Health employees under Health Alliance will need to be in-network with Cigna to continue seeing these patients without disruption.

By George Ruan • November 23, 2025

Introduction

If you’re a mental health provider in Illinois currently seeing clients who work for Carle Health, you’ve probably heard rumors about a major insurance shift. Carle employees have traditionally been covered under Health Alliance, but starting in January 2026, the system is moving its employee health plan to Cigna.

This information comes directly from Carle’s open enrollment documentation (2025–2026), which lists Cigna as the plan administrator.

For therapists, counselors, and behavioral health clinicians, this impacts your credentialing status, your reimbursement, and the likelihood of keeping your Carle employee clients.

This guide explains what to expect and what steps you should take right now so you’re not caught unprepared.

1. Carle Health Employees Are Moving to Cigna in 2026

According to Carle’s benefits open enrollment booklet, their employee medical plan will transition to Cigna for 2026 coverage.
This means:

Health Alliance commercial employee plan access will end
Cigna will become the new network you must be credentialed with
All Carle Health employees using employer-sponsored insurance will shift to the new Cigna plan

Because many therapists across Illinois are paneled with Health Alliance but not with Cigna, this transition has major consequences for your caseload.

2. If You’re Not Credentialed With Cigna by 2026, You’ll Be Out-of-Network

Once the switch happens, any provider not in Cigna’s network will be treated as out-of-network (OON) for Carle Health employees.

The Carle OON benefits are:

$2,000 deductible
50% coinsurance after deductible

For therapy clients, this means:

They pay 100% of sessions until they hit a $2,000 deductible then they still pay half of every session out of pocket.

Most clients will not stick with a provider under these conditions. If you’re OON with Cigna in 2026, you will almost certainly lose your Carle employee patients.

3. Cigna Credentialing Takes the Full 90 Days - Sometimes Longer

Here’s the most critical part: Based on application we see in flight, Cigna routinely uses the full 90-day window for credentialing.

Given that we are approaching year-end the safest assumption is: If you don’t start Cigna credentialing now, you will NOT be in-network by January 2026.

For providers who depend on Carle employees for a portion of their caseload, this is not something to leave until the last minute.

4. Why Mental Health Providers Must Act Immediately

Here’s what happens if you wait:

Your patient schedules their January 2026 appointment
Their insurance shows you’re out-of-network
They see the OON deductible + 50% coinsurance
They cancel and look for an in-network therapist
You lose the client

Most clients won't choose to continue care under these OON terms, especially when Cigna has a larger Illinois mental health provider network than Health Alliance historically did.

Your entire Carle employee caseload is at risk if you are not credentialed.

5. What You Should Do Right Now

Start your Cigna credentialing application immediately

Do not wait until 2026. Start now so you have buffer for delays.

Notify your Carle employee patients in advance

Something like:

“Carle Health is changing insurance plans next year. I am currently working to join Cigna’s network and will keep you updated about your coverage.”

Plan financially for temporary gaps

Even if you apply early, there is no guarantee you will be approved before January. Consider:

A short-term sliding scale
A waitlist for Carle employees
Temporary cash-pay options

6. Frequently Asked Questions for Providers

Will Carle Health still offer Health Alliance in 2026?

Not for employee medical benefits. The plan transitions to Cigna.

Will Cigna honor my prior Health Alliance credentialing?

No. Completely separate networks.

Will patients stay if I’m out-of-network?

Highly unlikely. OON therapy at 50% coinsurance + $2,000 deductible is cost-prohibitive.

When should I apply?

Immediately. Cigna takes 90 days, and delays are common.

7. Final Takeaway: Apply to Cigna Now or Expect to Lose Your Carle Employee Clients

The shift to Cigna is a major change for providers who have relied on Health Alliance for years. If you wait until 2026 to start credentialing, you will not be in-network in time, and your Carle employee clients will almost certainly leave.

Action Items for Providers:

Start Cigna credentialing immediately
Update CAQH
Prepare your clients proactively
Expect a 90+ day timeline

If your practice depends on Carle Health employees even minimally, taking action now protects both your caseload and continuity of care for your clients.