Online Therapy That Accepts Insurance

Covering the Cost of Online Therapy

There is no way around it, therapy can be expensive, and it can be difficult to know where to start if you have never accessed mental health services before. Often, you need to call around, go through phone screenings, and email exchanges with multiple providers to find a therapist, and even then, you will not know if they are a good fit for you before you get started. Online therapy apps and services can help you bypass these awkward exchanges and long-term searches, putting you in touch with somebody right away. But therapy can be expensive. Even online therapy, which occurs via a secure virtual platform from the comfort of your own home, costs money. Not everybody is fortunate enough to be able to afford the sometimes hundreds of dollars per month to speak to somebody about their issues.

Mental health is just as important to your overall well-being as your physical health, but it can often be put by the wayside as you struggle to find the funding to pay for treatment. Covering the cost of therapy can seem like an insurmountable barrier to overcome, especially when you are in the middle of a mental health crisis, but did you know some places offer online therapy that accepts insurance?

Through online mental health treatment services, you can get the same professional, secure, and effective mental health care as you would at an in-person clinic, sometimes without needing to pay a dime of your own money, because health insurance will often cover a large chunk of your mental health care bills. Your coverage depends on your individual insurance provider, state laws, and the type of individual insurance plan you have. Some of the major medical insurance companies like Cigna, Aetna, Humana, and United Healthcare offer excellent mental health service coverage, including online therapy options.

To discover how the mental and behavioral health care programs can help patients at You Behavioral Health via our online platform, give us a call at (855) 206-2268 to get started.

Does Online Therapy Accept Insurance?

It is not difficult to find online therapy that accepts insurance as long as you are looking at accredited, evidence-based, and verified places that offer safe and confidential, professional treatments. Insurance companies are legally bound to provide mental health care coverage, and online therapy as a whole has become an expanding industry over the past few years, in part due to the social distancing policies that came into place during the COVID-19 pandemic, as well as the ongoing cultural shift to working, schooling, and socializing online. Many people feel more comfortable communicating through their computers and phones than in person or find it less intimidating. Online therapy also offers convenient scheduling options for people with busy lifestyles and a more accessible platform for people who cannot leave their homes due to health or personal issues and for those living in rural areas without access to the mental health care they need.

Insurance companies are working to keep up with this trend, with many expanding their policies to cover the cost of online virtual therapy sessions and other telehealth services, making the coverage more consistent and expansive. Every insurance provider has their own rules and regulations regarding coverage, including limiting the types of therapies, the number of sessions, or which state the patient and therapists can be in due to varying state regulations, for example. You may also have deductibles to meet or copays in your plan, or you may need to pay for your treatment in full and then apply for reimbursement with your insurance provider afterward instead of direct billing. For this reason, it is a good idea to check what your insurance will cover before you get online therapy, avoiding any financial surprises later on.

3 Ways to Verify Insurance Coverage for Online Therapy

When you decide to pursue therapy in a virtual space, one of the first steps you will need to take is to find out if the places you are looking at provide online therapy that accepts insurance. Some of the ways to verify your insurance coverage for online therapy are:

1. Phoning the mental health professional’s office to ask a representative about your insurance coverage. If you are looking into a private therapist’s office, you would speak to a receptionist, and if you are working with a larger platform, you would speak with a customer service agent
2. Visiting the therapist’s website, which may include a link you can follow to see which insurance companies they work with or a form you can use to allow them to check your coverage for you
3. Calling your insurance company directly. They will be able to tell you whether they cover online/telehealth therapy and whether you have a copay or coinsurance, or a deductible you have to meet before your coverage will kick in. They may also provide you with a list of in-network platforms and therapists to use if you do not have one in mind already

You Behavioral Health Can Verify Your Insurance Coverage Today

You Behavioral Health offers online therapy and behavioral health care for people who need it most, tailoring our services to your needs as an individual. We treat a wide range of mental health conditions, like:

• Anxiety disorders, including social anxiety, generalized anxiety, panic disorders, phobias, and others
• Clinical depression helps you improve your overall well-being and reduce your symptoms
• Borderline personality disorder helps to improve your stability, emotional regulation, and thought regulation
• Substance use disorders, by treating the underlying roots of addiction including the behavioral and psychological dependencies, issues, and stress that often lead to relapse if left untreated
• Post-traumatic stress disorder (PTSD), through empathetic support and leading-edge PTSD treatments that are designed to help you cope with past experiences and manage difficult symptoms
• Other mental health conditions, like bipolar disorder, eating disorder, etc.

Because every health insurance company’s policy is unique, it can be intimidating to determine if you are covered. If you have a mental health issue, a drug or alcohol addiction, PTSD, or a mental health disorder and are looking for help verifying your insurance coverage before starting treatment, we are only a phone call away at (855) 206-2268, or you can find a section on our website to input your information for a free insurance check online. We are in-network with several major health insurance companies, including Cigna, Aetna, Humana, and United Healthcare, and we are happy to help you to find out whether your online treatment with us will be fully or partially covered by insurance and whether you will have any additional out-of-pocket fees to pay.

Our online virtual treatment options are effective, confidential, and safe, and we offer individualized treatment plans with evidence-based treatments that are tailored to your unique needs. All care is given by licensed and accredited clinicians and therapists, completely virtually, providing the same level of care you would expect from an in-person visit with a mental health professional from the comfort and safety of your own home.

Please contact our behavioral health treatment center today if you are ready to begin the healing process and reap the benefits of online therapy today. We will make it easy for you to get the help you need and improve your life.