Cigna and Evernorth Psychiatrists in Athens, TX

Photo of Pacificah Nyangau - Pacificah Nyangau Doctor Of Nursing Practice, Psychiatric Nurse Practitioner, DNP , APRN-RN, PMHNP-B
Pacificah Nyangau Doctor Of Nursing Practice
Psychiatric Nurse Practitioner, DNP , APRN-RN, PMHNP-B
7 Endorsed
Athens, TX 75751
I understand life brings challenges that at some point can be very overwhelming to handle alone, leading to the inability to maintain mental calmness and happiness to live to our fullest potential. My Mission is to provide a warm, calm, and compassionate environment for us to walk on the journey together to see you reach your goals. You are not just a number, to me, you are a very special person, so I am here to listen to you and together we will develop a partnership that will help us to evaluate, diagnose, and develop an individualized treatment plan best suited for you to achieve optimal outcomes.
I understand life brings challenges that at some point can be very overwhelming to handle alone, leading to the inability to maintain mental calmness and happiness to live to our fullest potential. My Mission is to provide a warm, calm, and compassionate environment for us to walk on the journey together to see you reach your goals. You are not just a number, to me, you are a very special person, so I am here to listen to you and together we will develop a partnership that will help us to evaluate, diagnose, and develop an individualized treatment plan best suited for you to achieve optimal outcomes.
(832) 957-9499 View (832) 957-9499
Photo of Lauren K Hughes - Premier Mental Health & Wellness, Psychiatric Nurse Practitioner, APRN, PMHNP
Premier Mental Health & Wellness
Psychiatric Nurse Practitioner, APRN, PMHNP
1 Endorsed
Serves Area
I am in network with most BCBS, Aetna, Cigna, UHC and UMR plans.
Accepting new clients for psychiatric medication management, both online and in person! While medications can certainly be helpful, I also like to emphasize nutrition and wellness to promote optimal mental health. Many of my clients struggle with ADHD, depression, anxiety, trauma, and other mood disorders. I use a whole person approach to see what interventions benefit my clients in order to individualize their care. I am also able to utilize Spravato (nasal esketamine) for treatment resistant depression.
I am in network with most BCBS, Aetna, Cigna, UHC and UMR plans.
Accepting new clients for psychiatric medication management, both online and in person! While medications can certainly be helpful, I also like to emphasize nutrition and wellness to promote optimal mental health. Many of my clients struggle with ADHD, depression, anxiety, trauma, and other mood disorders. I use a whole person approach to see what interventions benefit my clients in order to individualize their care. I am also able to utilize Spravato (nasal esketamine) for treatment resistant depression.
(940) 245-6183 View (940) 245-6183

More Psychiatrists Nearby

Photo of Ranie Meyer, Psychiatric Nurse Practitioner, MSN, APRN, PMHNP, FNP-C
Ranie Meyer
Psychiatric Nurse Practitioner, MSN, APRN, PMHNP, FNP-C
1 Endorsed
Online Only
I am in-network with Aetna, BCBS, Cigna, Optum, Oscar, and United, but I can provide a superbill for my out-of-network client to help with reimbursement.
I am a board-certified psychiatric mental health nurse practitioner and I believe in a holistic, patient-centered, and non-judgmental approach to mental healthcare. I provide specialized care for individuals struggling with issues like anxiety, depression, attention/focus challenges, bipolar, and trauma. My approach extends beyond traditional psychiatry by integrating methods that address both the mind and body. By focusing on the root causes of symptoms, I tailor treatments to meet your unique needs.
I am in-network with Aetna, BCBS, Cigna, Optum, Oscar, and United, but I can provide a superbill for my out-of-network client to help with reimbursement.
I am a board-certified psychiatric mental health nurse practitioner and I believe in a holistic, patient-centered, and non-judgmental approach to mental healthcare. I provide specialized care for individuals struggling with issues like anxiety, depression, attention/focus challenges, bipolar, and trauma. My approach extends beyond traditional psychiatry by integrating methods that address both the mind and body. By focusing on the root causes of symptoms, I tailor treatments to meet your unique needs.
(469) 489-4885 View (469) 489-4885
Photo of Bridget N Shu - Holistic Health and Psychiatry PLLC, Psychiatric Nurse Practitioner, PMHNP-C
Holistic Health and Psychiatry PLLC
Psychiatric Nurse Practitioner, PMHNP-C
Online Only
Bridget N. Shu, PMHNP-BC, is a board-certified Psychiatric Nurse Practitioner with a background as a certified medical assistant. She developed a holistic approach to patient care during her nursing career, leading to a bachelor’s degree from Western Governors University Utah. With experience in medical and psychiatry hospitals, she recognized the impact of mental health on daily lives and relationships. Mrs. Shu furthered her education with a master’s in nursing specializing in Mental Health from Midwestern State University, Wichita Falls, TX
Bridget N. Shu, PMHNP-BC, is a board-certified Psychiatric Nurse Practitioner with a background as a certified medical assistant. She developed a holistic approach to patient care during her nursing career, leading to a bachelor’s degree from Western Governors University Utah. With experience in medical and psychiatry hospitals, she recognized the impact of mental health on daily lives and relationships. Mrs. Shu furthered her education with a master’s in nursing specializing in Mental Health from Midwestern State University, Wichita Falls, TX
(956) 983-9426 View (956) 983-9426
Photo of Rita Chioma Uduma, Psychiatric Nurse Practitioner, APRN, MS, PMHNP
Rita Chioma Uduma
Psychiatric Nurse Practitioner, APRN, MS, PMHNP
Online Only
We are currently in-network with Blue Cross and Blue Shield of Texas, Cigna and Aetna and others will be available soon.
Hi, I'm Rita Chioma Uduma. My practice, Uduma Behavioral Health Services is currently accepting new patients. Contact me today to schedule your appointment and take the first step towards better mental health. I specialize in mental health care for children, adolescents, and adults. I am able to assess, evaluate, diagnose, and treat a variety of mental health disorders, including ADHD, Anxiety disorders, Mood disorders, and Personality disorders. My goal is to provide easy accessibility to mental health care and to guide you through your mental health journey with compassion and evidence-based care.
We are currently in-network with Blue Cross and Blue Shield of Texas, Cigna and Aetna and others will be available soon.
Hi, I'm Rita Chioma Uduma. My practice, Uduma Behavioral Health Services is currently accepting new patients. Contact me today to schedule your appointment and take the first step towards better mental health. I specialize in mental health care for children, adolescents, and adults. I am able to assess, evaluate, diagnose, and treat a variety of mental health disorders, including ADHD, Anxiety disorders, Mood disorders, and Personality disorders. My goal is to provide easy accessibility to mental health care and to guide you through your mental health journey with compassion and evidence-based care.
(903) 329-6436 View (903) 329-6436
Photo of Tega Mirella Meir, Psychiatric Nurse Practitioner, MSN, APRN, PMHNP
Tega Mirella Meir
Psychiatric Nurse Practitioner, MSN, APRN, PMHNP
2 Endorsed
Online Only
As a Board Certified Psychiatric Mental Health Nurse Practitioner, I am dedicated to empowering you on your journey to mental health and holistic well-being. I use a compassionate, patient-centered approach to develop personalized care plans that align with your goals. My practice is grounded in evidence-based care, creating a safe, supportive environment where we work together to build resilience and achieve balance for a healthier, more fulfilling life.
As a Board Certified Psychiatric Mental Health Nurse Practitioner, I am dedicated to empowering you on your journey to mental health and holistic well-being. I use a compassionate, patient-centered approach to develop personalized care plans that align with your goals. My practice is grounded in evidence-based care, creating a safe, supportive environment where we work together to build resilience and achieve balance for a healthier, more fulfilling life.
(903) 582-5614 View (903) 582-5614
Photo of Marie Taniform, Psychiatric Nurse Practitioner
Marie Taniform
Psychiatric Nurse Practitioner
Online Only
Accepting new patients from anywhere in Texas! Do you have stress or anxiety? Do you feel sad or depressed and lack the motivation to participate in life anymore, or sometimes cry for no reason? Do you have problems focusing on school, work, or life and wonder why you are so forgetful, unable to concentrate and easily distracted? Were you exposed to traumatic events or loss that have left you anxious and on the edge, or do you find it difficult to fall asleep at night and feel exhausted the next day?is your child defiant and refusing to cooperate? I can help you find that right balance to continue living your life optimally.
Accepting new patients from anywhere in Texas! Do you have stress or anxiety? Do you feel sad or depressed and lack the motivation to participate in life anymore, or sometimes cry for no reason? Do you have problems focusing on school, work, or life and wonder why you are so forgetful, unable to concentrate and easily distracted? Were you exposed to traumatic events or loss that have left you anxious and on the edge, or do you find it difficult to fall asleep at night and feel exhausted the next day?is your child defiant and refusing to cooperate? I can help you find that right balance to continue living your life optimally.
(737) 387-5128 View (737) 387-5128
Photo of Benard Choi, Psychiatric Nurse Practitioner, PMHNP, BC
Benard Choi
Psychiatric Nurse Practitioner, PMHNP, BC
Online Only
As a dedicated Psychiatric-Mental Health Nurse Practitioner, I am passionate about providing comprehensive mental health care tailored to each individual's unique needs. With extensive experience in private practice, I specialize in treating a wide range of conditions, including Major Depressive Disorder, Mood Disorders, Anxiety, ADHD, Anger Management, Sleep Disorders, Eating Disorders, Personality Disorders, and various other behavioral issues. I believe in a holistic approach to mental health, integrating evidence-based therapeutic modalities with personalized care to help my clients achieve optimal well-being.
As a dedicated Psychiatric-Mental Health Nurse Practitioner, I am passionate about providing comprehensive mental health care tailored to each individual's unique needs. With extensive experience in private practice, I specialize in treating a wide range of conditions, including Major Depressive Disorder, Mood Disorders, Anxiety, ADHD, Anger Management, Sleep Disorders, Eating Disorders, Personality Disorders, and various other behavioral issues. I believe in a holistic approach to mental health, integrating evidence-based therapeutic modalities with personalized care to help my clients achieve optimal well-being.
(214) 833-7613 View (214) 833-7613
Photo of Christopher Schuman, Psychiatric Nurse Practitioner, MSN, APRN, PMHNP
Christopher Schuman
Psychiatric Nurse Practitioner, MSN, APRN, PMHNP
1 Endorsed
Bullard, TX 75757
Seeing patients in-person in Bullard, TX. I provide conservative medication management with counseling from a Christian worldview. Over 10+ yrs experience in public service (911 dispatcher) and healthcare (ICU nurse). Are you struggling with a depressed mood, anxiety, insomnia, or nightmares? Has your therapist recommended medication? Are you worried about side effects or being on medications forever? I can help you answer these questions. Call us at (903) 354-7188.
Seeing patients in-person in Bullard, TX. I provide conservative medication management with counseling from a Christian worldview. Over 10+ yrs experience in public service (911 dispatcher) and healthcare (ICU nurse). Are you struggling with a depressed mood, anxiety, insomnia, or nightmares? Has your therapist recommended medication? Are you worried about side effects or being on medications forever? I can help you answer these questions. Call us at (903) 354-7188.
(281) 717-6879 View (281) 717-6879
Photo of Donna Kathleen Vahovius - Luminosity Mental Health, PLLC, Psychiatric Nurse Practitioner, MSN, APRN, PMHNPBC
Luminosity Mental Health, PLLC
Psychiatric Nurse Practitioner, MSN, APRN, PMHNPBC
Online Only
Not accepting new clients
I aim to provide holistic care for my patients. At Luminosity Mnetal Health PLLC, our goal is to partner with our patients to promote resilience. An ideal patient is: 1. Open to Holistic Approaches: Sometimes a medication is not the answer 2. Willingness to engage: the patient is motivated to actively participate in their treatment plan, including therapy sessions, lifestyle changes, and self care practices. 3. Complex Mental Health needs: the patient may present with a range of mental health issues. 4. Desire for Preventative Care: The patient is interested in preventative measures and lifestyle modifications.
I aim to provide holistic care for my patients. At Luminosity Mnetal Health PLLC, our goal is to partner with our patients to promote resilience. An ideal patient is: 1. Open to Holistic Approaches: Sometimes a medication is not the answer 2. Willingness to engage: the patient is motivated to actively participate in their treatment plan, including therapy sessions, lifestyle changes, and self care practices. 3. Complex Mental Health needs: the patient may present with a range of mental health issues. 4. Desire for Preventative Care: The patient is interested in preventative measures and lifestyle modifications.
(903) 345-8791 View (903) 345-8791

Online Psychiatrists

Dr. Duy Tran
Psychiatrist, PMHNP
Online Only
Dr. Tran has extensive experience treating psychiatric disorders in diverse populations, including college students, LGBT, perinatal, veterans, and those with socioeconomic disadvantages. He also worked with experts in treatment-resistant depression and provided consultations for patients considering procedural interventions such as transcranial magnetic stimulation (TMS), electroconvulsive therapy (ECT), and ketamine infusion.
Dr. Tran has extensive experience treating psychiatric disorders in diverse populations, including college students, LGBT, perinatal, veterans, and those with socioeconomic disadvantages. He also worked with experts in treatment-resistant depression and provided consultations for patients considering procedural interventions such as transcranial magnetic stimulation (TMS), electroconvulsive therapy (ECT), and ketamine infusion.
(267) 361-1025 View (267) 361-1025
Photo of Oladunni Liyele, Psychiatric Nurse Practitioner, MSN, PMHNP
Oladunni Liyele
Psychiatric Nurse Practitioner, MSN, PMHNP
Online Only
Facing mental health challenges like depression, anxiety, ADHD, PTSD, or mood disorders can feel overwhelming, but you don’t have to face them alone. As a compassionate psychiatric nurse practitioner with nearly five years of experience, I provide a safe, non-judgmental space where your story takes center stage. My journey began as a registered nurse in diverse settings, including neuro ICU and psychiatry, where I saw the deep impact of mental health and the barriers to care. I’m here to help uncover root causes, foster healing, and empower you to achieve lasting well-being.
Facing mental health challenges like depression, anxiety, ADHD, PTSD, or mood disorders can feel overwhelming, but you don’t have to face them alone. As a compassionate psychiatric nurse practitioner with nearly five years of experience, I provide a safe, non-judgmental space where your story takes center stage. My journey began as a registered nurse in diverse settings, including neuro ICU and psychiatry, where I saw the deep impact of mental health and the barriers to care. I’m here to help uncover root causes, foster healing, and empower you to achieve lasting well-being.
(817) 631-6344 View (817) 631-6344
Photo of Bridgett Gant, Psychiatric Nurse Practitioner, MSN, PMHNP
Bridgett Gant
Psychiatric Nurse Practitioner, MSN, PMHNP
Online Only
Facing challenges like anxiety, depression, ADHD, PTSD, or mood disorders can feel overwhelming, but you don’t have to face them alone. With over 30 years of experience in behavioral health, including work in ICU and acute care settings, I bring a holistic approach to mental health treatment that addresses both the mind and body. I create a warm, supportive space where your voice is truly heard, and your unique experiences are valued. Together, we’ll uncover the root causes of your struggles, move beyond symptom management, and build a path to lasting balance, resilience, and well-being.
Facing challenges like anxiety, depression, ADHD, PTSD, or mood disorders can feel overwhelming, but you don’t have to face them alone. With over 30 years of experience in behavioral health, including work in ICU and acute care settings, I bring a holistic approach to mental health treatment that addresses both the mind and body. I create a warm, supportive space where your voice is truly heard, and your unique experiences are valued. Together, we’ll uncover the root causes of your struggles, move beyond symptom management, and build a path to lasting balance, resilience, and well-being.
(817) 541-9583 View (817) 541-9583
Photo of Emmanuel Mbi - I & E Family and Psychiatry Practice , Psychiatric Nurse Practitioner, PMHNP, BC
I & E Family and Psychiatry Practice
Psychiatric Nurse Practitioner, PMHNP, BC
Arlington, TX 76017
I accept insurance plans from both Blue Cross and Cigna within my network.
A dedicated and compassionate Psychiatric Mental Health Nurse Practitioner-Board Certified (PMHNP-BC)! With my expertise and warm approach, I provide comprehensive mental health care to my patients. I am passionate about delivering personalized, evidence-based care that addresses the unique needs of each patient. My goal is to empower individuals to achieve mental wellness and improve their overall quality of life.
I accept insurance plans from both Blue Cross and Cigna within my network.
A dedicated and compassionate Psychiatric Mental Health Nurse Practitioner-Board Certified (PMHNP-BC)! With my expertise and warm approach, I provide comprehensive mental health care to my patients. I am passionate about delivering personalized, evidence-based care that addresses the unique needs of each patient. My goal is to empower individuals to achieve mental wellness and improve their overall quality of life.
(817) 646-3897 View (817) 646-3897
Photo of Charity Kinyua, Psychiatric Nurse Practitioner, PMHNP
Charity Kinyua
Psychiatric Nurse Practitioner, PMHNP
Plano, TX 75024
I am a dedicated and experienced mental health professional with a strong commitment to supporting diverse populations. . I am experienced in assessing, diagnosing, implementing, evaluating both common and complex diagnoses. My passion lies in helping others navigate the complexities of mental health and wellness. I approach each patient with empathy, compassion, and a deep commitment to actively listening and building genuine connections. I work collaboratively with clients to understand their unique needs, ensuring that treatment plans are personalized.
I am a dedicated and experienced mental health professional with a strong commitment to supporting diverse populations. . I am experienced in assessing, diagnosing, implementing, evaluating both common and complex diagnoses. My passion lies in helping others navigate the complexities of mental health and wellness. I approach each patient with empathy, compassion, and a deep commitment to actively listening and building genuine connections. I work collaboratively with clients to understand their unique needs, ensuring that treatment plans are personalized.
(469) 915-9667 View (469) 915-9667
Photo of Judith Nyanchera Nyairo, Psychiatric Nurse Practitioner, PMHNP, APRN
Judith Nyanchera Nyairo
Psychiatric Nurse Practitioner, PMHNP, APRN
5 Endorsed
Arlington, TX 76012
I am in-network for Blue Cross, Aetna, and Cigna, but I can also provide a superbill for my out-of-network clients and help with reimbursement.
Are you feeling overwhelmed, stuck, or struggling with anxiety, ADHD, or depression? You are not alone, and help is available. At Safi Psychiatry, I provide compassionate, evidence-based mental health care tailored to your unique needs. Whether you're navigating life’s challenges, managing medication, or seeking clarity, I am here to support you with a personalized approach.
I am in-network for Blue Cross, Aetna, and Cigna, but I can also provide a superbill for my out-of-network clients and help with reimbursement.
Are you feeling overwhelmed, stuck, or struggling with anxiety, ADHD, or depression? You are not alone, and help is available. At Safi Psychiatry, I provide compassionate, evidence-based mental health care tailored to your unique needs. Whether you're navigating life’s challenges, managing medication, or seeking clarity, I am here to support you with a personalized approach.
(817) 985-3600 View (817) 985-3600
Photo of Rishi Patel, Psychiatrist, DO
Rishi Patel
Psychiatrist, DO
Dallas, TX 75219
Hi! I graduate from UT Dallas and attend medical school at Lake Erie College of Osteopathic Medicine in Bradenton, FL. As a DO, I am uniquely positioned to bring together pharmacology and lifestyle recommendations for a more holistic approach to care. I complete my residency training at UMKC in psychiatry and am fellowship-trained in child and adolescent psychiatry at UT Southwestern. I'm board certiried in Adult as well as Child & Adolescent Psychiatry.
Hi! I graduate from UT Dallas and attend medical school at Lake Erie College of Osteopathic Medicine in Bradenton, FL. As a DO, I am uniquely positioned to bring together pharmacology and lifestyle recommendations for a more holistic approach to care. I complete my residency training at UMKC in psychiatry and am fellowship-trained in child and adolescent psychiatry at UT Southwestern. I'm board certiried in Adult as well as Child & Adolescent Psychiatry.
(469) 461-4188 View (469) 461-4188
Photo of Jashunta Carson, Psychiatric Nurse Practitioner, APRN, PMHNPBC
Jashunta Carson
Psychiatric Nurse Practitioner, APRN, PMHNPBC
Dallas, TX 75254
JaShunta Carson is a board-certified Family Psychiatric Mental Health Nurse Practitioner. Ms. Carson felt the only way to accomplish that is to become an expert in both medicine and psychiatry. JaShunta wanted to be a well-rounded provider. Ms. Carson felt the only way to accomplish that is to become an expert in both medicine and psychiatry. Ms. Carson serves the entire life span seeing ages 6 and older. She has worked in every area of mental health serving, children, adolescents, adult, and geriatric populations.
JaShunta Carson is a board-certified Family Psychiatric Mental Health Nurse Practitioner. Ms. Carson felt the only way to accomplish that is to become an expert in both medicine and psychiatry. JaShunta wanted to be a well-rounded provider. Ms. Carson felt the only way to accomplish that is to become an expert in both medicine and psychiatry. Ms. Carson serves the entire life span seeing ages 6 and older. She has worked in every area of mental health serving, children, adolescents, adult, and geriatric populations.
(281) 767-8985 View (281) 767-8985
Photo of Chinasa Ezinne Oriaku, Psychiatric Nurse Practitioner, NP, DNP
Chinasa Ezinne Oriaku
Psychiatric Nurse Practitioner, NP, DNP
1 Endorsed
Addison, TX 75001
Chinasa Oriaku is a certified Psychiatric Mental Health Nurse Practitioner practicing in the state of Texas and Montana for Grow Therapy. Chinasa has about 30years of combined experience as a Psychiatric Nurse Practitioner and as a Psychiatric Registered Nurse. She practices at the Dallas Veterans Affairs Medical Center- Mental Health Unit. She also practiced at Parkland Hospital psychiatric unit, Dallas Texas. Whatever is your mental health condition, I want to help. We can work together to achieve a common goal of helping you become the best person you can be. We accept most insurance coverage in Texas and also accept self-pay.
Chinasa Oriaku is a certified Psychiatric Mental Health Nurse Practitioner practicing in the state of Texas and Montana for Grow Therapy. Chinasa has about 30years of combined experience as a Psychiatric Nurse Practitioner and as a Psychiatric Registered Nurse. She practices at the Dallas Veterans Affairs Medical Center- Mental Health Unit. She also practiced at Parkland Hospital psychiatric unit, Dallas Texas. Whatever is your mental health condition, I want to help. We can work together to achieve a common goal of helping you become the best person you can be. We accept most insurance coverage in Texas and also accept self-pay.
(214) 609-1147 View (214) 609-1147
Photo of Chika Getrude Agina, Psychiatric Nurse Practitioner, DNP, PMHNP
Chika Getrude Agina
Psychiatric Nurse Practitioner, DNP, PMHNP
3 Endorsed
Online Only
I am in-network for Blue Cross, United healthcare, Aetna, Tricare, TriWest, Medicare, Optum, Molina, and Cigna, but I can also provide a superbill for my out-of-network clients and help with reimbursement.
Persons with mental health issues like depression, anxiety, bipolar, and adolescent issues who are seeking good mental health providers to help them will be in good hands with me. Do you experience any of these symptoms Feeling sad, empty, and down Loss of energy Loss of interest and enjoyment Difficulty concentrating Blaming yourself Recurrent thoughts about death /dying Sleeplessness Change in appetite (with or without weight loss) Social withdrawal, agitation If you experience some of these symptoms, it’s a sign of something-Call this number for consultations 469-825-4919 Guardian Angels Clinic Pllc
I am in-network for Blue Cross, United healthcare, Aetna, Tricare, TriWest, Medicare, Optum, Molina, and Cigna, but I can also provide a superbill for my out-of-network clients and help with reimbursement.
Persons with mental health issues like depression, anxiety, bipolar, and adolescent issues who are seeking good mental health providers to help them will be in good hands with me. Do you experience any of these symptoms Feeling sad, empty, and down Loss of energy Loss of interest and enjoyment Difficulty concentrating Blaming yourself Recurrent thoughts about death /dying Sleeplessness Change in appetite (with or without weight loss) Social withdrawal, agitation If you experience some of these symptoms, it’s a sign of something-Call this number for consultations 469-825-4919 Guardian Angels Clinic Pllc
(972) 430-5547 View (972) 430-5547

See more therapy options for Athens

Nearby Cigna Psychiatrists Searches for Athens

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Cigna and Evernorth Psychiatrists

Does insurance cover therapy, prescriptions and other behavioral health services?

In general, yes. Laws in the U.S. require insurers to cover essential behavioral health care at the same level as other health care services. Most health plans require a medical diagnosis and treatments that are evidence based and medically essential. This means that life coaching and alternative therapies are not covered, nor is therapy without a diagnosis. Call the number on the back or your insurance card or visit your insurance company's website to review your Summary of Benefits. If you have insurance through your employer, your Human Resources department may also be able to answer questions.

How much does therapy cost with insurance?

The cost of therapy depends on your region, how much training and experience your therapist has, and the type of treatment. The rate for talk therapy generally falls between $100 and $250. For a client seeing an in-network provider, the cost of therapy is often similar to the cost of other health care services. Clients pay co-pays and may need to satisfy a plan’s deductible before benefits kick in.

What is the difference between In-Network and Out-of-Network insurance coverage?

An in-network provider has contracted with an insurer to get paid directly for services, and to accept the insurer’s rate of compensation. Clients are responsible for deductibles and copays. If a therapist is out of network, that means that the client pays the therapist directly for services at the therapist’s regular fee. Out-of-Network providers often give clients a receipt so that they can file for partial reimbursement with their insurance company.

Is it difficult to find an In-Network therapist?

It is not unusual for therapists to limit the number of insurance patients in their practice, so it’s important to check in-network availability when you schedule your first appointment. In regions and times where therapy is in high demand it may take longer to get scheduled with an in-network therapist.

What is the difference between HMO and PPO insurance plans?

HMO health plans only cover in-network services, there is no reimbursement for out-of-network providers. PPO plans often cover both in- and out-of-network services, though the client may pay more for out-of-network services.

What is a Superbill?

A superbill is a receipt for therapy services. It provides all the information required by insurance companies to reimburse you for out-of-network services, including the diagnostic codes for your care, the amount paid, and the dates and duration of care.

Does insurance cover Online therapy?

Many therapists who shifted their practice to online therapy during the pandemic have kept that arrangement. And most insurers continue to cover telehealth services, with a few exceptions. Preventive care (such as an annual depression screening) is often required to be in-person to be covered, and some states require prescribers of controlled substances to see those patients in person.

Does insurance cover Group therapy?

Many insurance plans provide coverage for group therapy provided there is a medical diagnosis for group members, but there are some noteworthy exceptions. For example, Medicare does not always cover group therapy. Group therapy tends to cost less than individual therapy.

Does insurance cover Couples therapy?

Most insurance companies do not cover the cost of couples therapy because there is no medical diagnosis or medically necessary treatment. However, a few plans will offer a limited benefit, so it is still worth checking with your insurance company. Sometimes therapy is covered for a couple when one person has a diagnosis and another family member joins them for joint therapy, but it is considered therapy for the medical condition that includes a family member as a listener or helper, not couples counseling. Without insurance, most clients pay between $100-300 per 60-90 min session for couples therapy. Often clients can find classes or workshops that make it more affordable to work on their relationship. And some employers offer Employee Assistance Plans that help defray the cost of couples therapy.

What is an Employee Assistance Plan (EAP)?

Employee Assistance Plans are purchased by employers for the benefit of their employees. EAPs typically assist employees with referrals and may also provide the first few sessions of therapy free of charge, with the patient's regular health insurance kicking in after those initial sessions. EAP benefits often apply to all types of therapy without the need for a medical diagnosis, making it easier to access couples therapy, therapy for life transitions, and other non-medical counseling. Just as with standard health insurance, clients should always check that a provider accepts their EAP benefits before scheduling.

Learn more about Insurance Coverage and Finding Affordable Therapy