BlueCross BlueShield insurance provides coverage for behavioral health services in Monterey. BCBS HMO-style plans cover in-network providers while PPO plans provide a benefit that can be applied to either in-network or out-of-network providers. Blue Cross Blue Shield may not require a referral from your primary care practitioner for covered behavioral health services.
Some BCBS Therapists in Monterey only have room for a few insurance slots in their schedule, so it's important to confirm in-network availability when you book your first appointment.
Blue Cross Blue Shield companies are independently owned and community-based healthcare insurers. BCBS is the largest health insurer in the US, covering 110 million members in 50 states, Washington, D.C., and Puerto Rico. Nationwide, more than 1.7 million health care providers contract with Blue Cross and Blue Shield companies.
Here’s a link to more information on how insurance works to cover behavioral health benefits.