Beacon Health Options | Carelon Treatment Centers in Stuart, FL

Photo of Recovery By The Sea, Treatment Center in Stuart, FL
Recovery By The Sea
Treatment Center
Verified Verified
Stuart, FL 34994
Located just a sea breeze away from the beautiful beaches in Stuart, Florida, Harmony Health Group's Recovery by the Sea provides personalized, compassionate, and effective mental health and substance use disorder treatment. Because everyone’s journey to healing and recovery is unique, we create custom-tailored treatment plans that follow your path and meet your specific needs. Our comfortable, state-of-the art facility offers Partial Hospitalization Program (PHP), Intensive Outpatient Program (IOP), and Medication-Assisted Treatment (MAT) services with nearby affiliated supportive housing and transportation to meetings available. Recovery by the Sea is Joint Commission Accredited and licensed by the state of Florida to treat addiction and co-occurring disorders and is a Florida Association of Recovery Residences certified residence. Our highly credentialed team is here to support you throughout your journey - every step of the way - as you embrace hope, healing, and transformation.
Located just a sea breeze away from the beautiful beaches in Stuart, Florida, Harmony Health Group's Recovery by the Sea provides personalized, compassionate, and effective mental health and substance use disorder treatment. Because everyone’s journey to healing and recovery is unique, we create custom-tailored treatment plans that follow your path and meet your specific needs. Our comfortable, state-of-the art facility offers Partial Hospitalization Program (PHP), Intensive Outpatient Program (IOP), and Medication-Assisted Treatment (MAT) services with nearby affiliated supportive housing and transportation to meetings available. Recovery by the Sea is Joint Commission Accredited and licensed by the state of Florida to treat addiction and co-occurring disorders and is a Florida Association of Recovery Residences certified residence. Our highly credentialed team is here to support you throughout your journey - every step of the way - as you embrace hope, healing, and transformation.
(772) 210-3148 View (772) 210-3148
Photo of Banyan Stuart, Treatment Center in Stuart, FL
Banyan Stuart
Treatment Center, LCSW
Verified Verified
Stuart, FL 34994
At Banyan Detox, we offer a safe medically-monitored detox for clients that are withdrawing from drugs and alcohol. Substances like opioids, alcohol, heroin, benzodiazepines, and methadone all cause withdrawal symptoms that require 24-hour medical supervision and care. We ensure that you will have a safe and secure detoxification process at our facility with some of the best professionals in the industry.
At Banyan Detox, we offer a safe medically-monitored detox for clients that are withdrawing from drugs and alcohol. Substances like opioids, alcohol, heroin, benzodiazepines, and methadone all cause withdrawal symptoms that require 24-hour medical supervision and care. We ensure that you will have a safe and secure detoxification process at our facility with some of the best professionals in the industry.
(561) 375-5318 View (561) 375-5318
Photo of Banyan Pompano, Treatment Center in Stuart, FL
Banyan Pompano
Treatment Center, LMHC
Verified Verified
Stuart, FL 34994
At Banyan Pompano our mission is to help those struggling with substance use and mental health disorders reach their goal of a healthy, happy, and productive life through an array of treatment services provided by our licensed clinical and medical professionals. Our individualized treatment plans ensure each client is receiving the highest standard of quality care. Our programs provide an alternative to traditional treatment as a step down from a higher level of care. We emphasize and try to instill the importance of consistency, accountability, and responsibility to achieve the goal of sustained sobriety or mental wellness. At Banyan, we believe in giving our clients all the tools they need through our complete continuum of care so that when they return to normal day-to-day life, they will be productive members of society.
At Banyan Pompano our mission is to help those struggling with substance use and mental health disorders reach their goal of a healthy, happy, and productive life through an array of treatment services provided by our licensed clinical and medical professionals. Our individualized treatment plans ensure each client is receiving the highest standard of quality care. Our programs provide an alternative to traditional treatment as a step down from a higher level of care. We emphasize and try to instill the importance of consistency, accountability, and responsibility to achieve the goal of sustained sobriety or mental wellness. At Banyan, we believe in giving our clients all the tools they need through our complete continuum of care so that when they return to normal day-to-day life, they will be productive members of society.
(954) 283-7056 View (954) 283-7056
Photo of Futures Recovery Healthcare, Treatment Center in Stuart, FL
Futures Recovery Healthcare
Treatment Center
Verified Verified
Stuart, FL 34994
Addiction and co-occurring mental health disorders are complex chronic medical conditions requiring comprehensive and coordinated care and long-term management. Futures helps individuals establish a foothold in recovery and a plan to sustain lasting health and wellbeing. Adults from surrounding communities and around the world come to our treatment facilities in Tequesta, Florida to receive comprehensive, coordinated care for the complex disease of addiction and its co-occurring mental health disorders. Futures’ therapies, curriculum, wellness offerings, and setting are all designed to help adult patients address the physical and psychological health effects of substance use and mental health disorders.
Addiction and co-occurring mental health disorders are complex chronic medical conditions requiring comprehensive and coordinated care and long-term management. Futures helps individuals establish a foothold in recovery and a plan to sustain lasting health and wellbeing. Adults from surrounding communities and around the world come to our treatment facilities in Tequesta, Florida to receive comprehensive, coordinated care for the complex disease of addiction and its co-occurring mental health disorders. Futures’ therapies, curriculum, wellness offerings, and setting are all designed to help adult patients address the physical and psychological health effects of substance use and mental health disorders.
(561) 277-0622 View (561) 277-0622
Photo of Agape Detox Center, Treatment Center in Stuart, FL
Agape Detox Center
Treatment Center
Verified Verified
Stuart, FL 34994
Agape Detox Center has been designed with everything to connect individuals with the experiences and activities to truly embrace and experience all life has to offer! Our clinical space offers that same warmth and character, allowing the individual to walk in, take a deep breath and be the amazing person that they are in that moment. We aimed for a family-like atmosphere and feel so that no one feels pressured to open up about their feelings and emotions during a therapy session.
Agape Detox Center has been designed with everything to connect individuals with the experiences and activities to truly embrace and experience all life has to offer! Our clinical space offers that same warmth and character, allowing the individual to walk in, take a deep breath and be the amazing person that they are in that moment. We aimed for a family-like atmosphere and feel so that no one feels pressured to open up about their feelings and emotions during a therapy session.
(772) 362-2908 View (772) 362-2908
Photo of Harm Reduction Center, LLC, Treatment Center in Stuart, FL
Harm Reduction Center, LLC
Treatment Center
Verified Verified
Stuart, FL 34995
It is our philosophy that separates us from many other programs. The fact is that recovery does and should look different for everyone. Our belief and experience has shown us that cultivating recovery requires exposure to many different paths. We will empower you to choose a path for yourself and, with collaboration from loved ones and our treatment team, support that choice.
It is our philosophy that separates us from many other programs. The fact is that recovery does and should look different for everyone. Our belief and experience has shown us that cultivating recovery requires exposure to many different paths. We will empower you to choose a path for yourself and, with collaboration from loved ones and our treatment team, support that choice.
(561) 220-9157 View (561) 220-9157
Photo of The Refuge A Healing Place - Adult Outpatient, Treatment Center in Stuart, FL
The Refuge A Healing Place - Adult Outpatient
Treatment Center, LMHC, LCSW, CAP, CSAT, MD
Not Verified Not Verified
Stuart, FL 34997
The Refuge, A Healing Place in Ocklawaha, Florida, provides a partial hospitalization program (PHP) for adults age 18 and older who have mental health disorders, eating disorders, and substance use concerns. Our PHP takes place on the same campus as our detoxification and residential treatment programs. However, this treatment program is a stand-alone option, and clients reside in separate housing from those in the residential programs. Clients in our PHP take part in six hours of therapeutic programming seven days a week, for up to 30 days. Many people enter our PHP after completing one of our residential treatment programs, but some enter this level of care directly. During the day, clients participate in therapies to learn more about mental health and addictions, develop valuable coping skills, and set goals for the future. Clients can also enjoy a variety of activities, including yoga, sculpting, ropes courses, and canoeing. Our PHP promotes continued healing and prepares clients for life beyond treatment.
The Refuge, A Healing Place in Ocklawaha, Florida, provides a partial hospitalization program (PHP) for adults age 18 and older who have mental health disorders, eating disorders, and substance use concerns. Our PHP takes place on the same campus as our detoxification and residential treatment programs. However, this treatment program is a stand-alone option, and clients reside in separate housing from those in the residential programs. Clients in our PHP take part in six hours of therapeutic programming seven days a week, for up to 30 days. Many people enter our PHP after completing one of our residential treatment programs, but some enter this level of care directly. During the day, clients participate in therapies to learn more about mental health and addictions, develop valuable coping skills, and set goals for the future. Clients can also enjoy a variety of activities, including yoga, sculpting, ropes courses, and canoeing. Our PHP promotes continued healing and prepares clients for life beyond treatment.
(855) 999-0274 View (855) 999-0274

More Treatment Centers Nearby

Photo of Luxury Psychiatry Medical Spa - Orlando, Treatment Center in Stuart, FL
Luxury Psychiatry Medical Spa - Orlando
Treatment Center, MD
Verified Verified
Palm City, FL 34990
At Luxury Psychiatry Medical Spa, we provide top-tier mental health services, specializing in clients with treatment-resistant depression and other intricate psychiatric issues. Our facility is distinguished by its combination of classic psychiatric methods and cutting-edge treatments such as TMS therapy and ketamine treatments. Our skilled team, consisting of psychiatrists and nurse practitioners, excels in creating personalized treatment plans for each client, ensuring a comprehensive approach to mental health. We accommodate our clients' varied schedules with flexible booking options. Appointments can be made via our website or through our intake team. We accept various insurance plans and also have self-pay alternatives. For those worried about cost, we offer financial solutions to make our services more approachable. Our dedication is to provide exceptional mental health care in a sumptuous, soothing environment that promotes recovery and self-empowerment. For further details or to book an appointment, please visit our website or contact us directly.
At Luxury Psychiatry Medical Spa, we provide top-tier mental health services, specializing in clients with treatment-resistant depression and other intricate psychiatric issues. Our facility is distinguished by its combination of classic psychiatric methods and cutting-edge treatments such as TMS therapy and ketamine treatments. Our skilled team, consisting of psychiatrists and nurse practitioners, excels in creating personalized treatment plans for each client, ensuring a comprehensive approach to mental health. We accommodate our clients' varied schedules with flexible booking options. Appointments can be made via our website or through our intake team. We accept various insurance plans and also have self-pay alternatives. For those worried about cost, we offer financial solutions to make our services more approachable. Our dedication is to provide exceptional mental health care in a sumptuous, soothing environment that promotes recovery and self-empowerment. For further details or to book an appointment, please visit our website or contact us directly.
(407) 606-5099 View (407) 606-5099
Photo of The Refuge A Healing Place - Adult Residential, Treatment Center in Stuart, FL
The Refuge A Healing Place - Adult Residential
Treatment Center, LMHC, LCSW, CAP, CSAT, MD
Not Verified Not Verified
Palm City, FL 34990
At The Refuge, A Healing Place, we provide residential programming for adults age 18 and older who are struggling with substance use disorders, eating disorders, and mental health concerns such as anxiety, depression, bipolar disorder, posttraumatic stress disorder (PTSD), and self-harming behaviors. Treatment in our adult residential program typically lasts a minimum of 30 days, but a client's unique needs and circumstances determine their actual length of stay. Clients in residential treatment receive personalized care to aid in their healing journeys. Treatment is delivered by an expert team that is comprised of counselors, psychologists, psychiatrists, registered dietitians, medical doctors, registered nurses, certified nursing assistants, equine therapists, and certified trauma therapists. We strive to treat clients with empathy and respect while encouraging them to pursue happier, healthier lives.
At The Refuge, A Healing Place, we provide residential programming for adults age 18 and older who are struggling with substance use disorders, eating disorders, and mental health concerns such as anxiety, depression, bipolar disorder, posttraumatic stress disorder (PTSD), and self-harming behaviors. Treatment in our adult residential program typically lasts a minimum of 30 days, but a client's unique needs and circumstances determine their actual length of stay. Clients in residential treatment receive personalized care to aid in their healing journeys. Treatment is delivered by an expert team that is comprised of counselors, psychologists, psychiatrists, registered dietitians, medical doctors, registered nurses, certified nursing assistants, equine therapists, and certified trauma therapists. We strive to treat clients with empathy and respect while encouraging them to pursue happier, healthier lives.
(855) 938-3647 View (855) 938-3647
Photo of RECO Intensive | Renowned Addiction Treatment, Treatment Center in Stuart, FL
RECO Intensive | Renowned Addiction Treatment
Treatment Center, MD, PhD, PsyD, NLP, LCSW
Not Verified Not Verified
Port Saint Lucie, FL 34952
Nationally Accredited and Licensed. At RECO Intensive, our goal is to guide clients through the impactful transitions that arise within the realm of recovery. We believe that each individual is unique. Consequently, each treatment plan and metamorphosis in recovery must be unique, too. As we work to recreate joy and to instill patience, self-awareness, and responsibility in those who are suffering from addiction, we understand and address the specific intricacies of each individual's history. Each personalized care plan will include specialized therapies suited to your background and progress in recovery. As a team, we tailor your RECO experience to correlate with your past-and to embolden the person you will become within your newfound independence from addiction.
Nationally Accredited and Licensed. At RECO Intensive, our goal is to guide clients through the impactful transitions that arise within the realm of recovery. We believe that each individual is unique. Consequently, each treatment plan and metamorphosis in recovery must be unique, too. As we work to recreate joy and to instill patience, self-awareness, and responsibility in those who are suffering from addiction, we understand and address the specific intricacies of each individual's history. Each personalized care plan will include specialized therapies suited to your background and progress in recovery. As a team, we tailor your RECO experience to correlate with your past-and to embolden the person you will become within your newfound independence from addiction.
(561) 342-5832 View (561) 342-5832
Photo of Ambrosia Treatment Center, Treatment Center in Stuart, FL
Ambrosia Treatment Center
Treatment Center, CAP, ICADC, CEBAF, CRBT, WPB
Verified Verified
Fort Pierce, FL 34952
Don't settle for any generic treatment center. You deserve care that actually helps you stay sober for good and recover from mental health challenges. Backed by 10-years of experience, 10K+ success stories, hundreds of verified positive online reviews and partnerships with both the NFL and university researchers, Ambrosia is the change you've been looking for. Offering dual diagnosis and trauma treatment programs. We specialize in treating substance abuse, depression, anxiety, bi-polar disorder, PTSD, ADHD and other cases.
Don't settle for any generic treatment center. You deserve care that actually helps you stay sober for good and recover from mental health challenges. Backed by 10-years of experience, 10K+ success stories, hundreds of verified positive online reviews and partnerships with both the NFL and university researchers, Ambrosia is the change you've been looking for. Offering dual diagnosis and trauma treatment programs. We specialize in treating substance abuse, depression, anxiety, bi-polar disorder, PTSD, ADHD and other cases.
(561) 250-8124 View (561) 250-8124
Photo of Recreate Life Counseling, Treatment Center in Stuart, FL
Recreate Life Counseling
Treatment Center, CAP, CRRA
Verified Verified
Port Saint Lucie, FL 34952
We pride ourselves in our individualized treatment programs tailored to meet the needs of men, women, and families affected by addiction. Recreate Life Counseling offers partial hospitalization (day and night treatment with community housing) and intensive outpatient therapy in Boynton Beach, Florida.
We pride ourselves in our individualized treatment programs tailored to meet the needs of men, women, and families affected by addiction. Recreate Life Counseling offers partial hospitalization (day and night treatment with community housing) and intensive outpatient therapy in Boynton Beach, Florida.
(561) 264-0346 View (561) 264-0346
Photo of Pasadena Villa, Treatment Center in Stuart, FL
Pasadena Villa
Treatment Center
Verified Verified
Port Saint Lucie, FL 34952
Pasadena Villa is a coed residential treatment facility located in beautiful Orlando, FL, Pasadena Villa Orlando is the perfect place for re-learning how to live happily and independently in your everyday life. Including a program that is tailored to each resident according to their medical, therapeutic, nutritional, physical, and sociological needs, Pasadena Villa Orlando is a place where your loved one can heal in a serene environment and at a pace that is best for them. We create a socially active treatment experience by immersing our residents in community activities, assisting them in achieving the highest levels of independent functioning.
Pasadena Villa is a coed residential treatment facility located in beautiful Orlando, FL, Pasadena Villa Orlando is the perfect place for re-learning how to live happily and independently in your everyday life. Including a program that is tailored to each resident according to their medical, therapeutic, nutritional, physical, and sociological needs, Pasadena Villa Orlando is a place where your loved one can heal in a serene environment and at a pace that is best for them. We create a socially active treatment experience by immersing our residents in community activities, assisting them in achieving the highest levels of independent functioning.
(813) 437-5566 View (813) 437-5566
Photo of RECO Institute | Intensive Outpatient Treatment, Treatment Center in Stuart, FL
RECO Institute | Intensive Outpatient Treatment
Treatment Center, LMHC, LCSW, PhD, PsyD, MD
Verified Verified
Port Saint Lucie, FL 34952
RECO Institute is composed of residential properties that serve as a trusted group of Recovery Residences in South Florida. Offered in conjunction with our unique intensive outpatient program, RECO Intensive, RECO Institute provides transitional housing for men and women in the early stages of recovery.
RECO Institute is composed of residential properties that serve as a trusted group of Recovery Residences in South Florida. Offered in conjunction with our unique intensive outpatient program, RECO Intensive, RECO Institute provides transitional housing for men and women in the early stages of recovery.
(561) 623-3416 View (561) 623-3416
Photo of Amethyst Recovery Center, Treatment Center in Stuart, FL
Amethyst Recovery Center
Treatment Center
Verified Verified
Port Saint Lucie, FL 34952
Amethyst Recovery Center accepts most major insurances and prides ourselves in offering a sliding scale for individuals without insurance. We pride ourselves in providing affordable care as there is no price tag on a human life.
Amethyst Recovery Center accepts most major insurances and prides ourselves in offering a sliding scale for individuals without insurance. We pride ourselves in providing affordable care as there is no price tag on a human life.
(855) 500-8014 View (855) 500-8014
Photo of Agape Treatment Center, Treatment Center in Stuart, FL
Agape Treatment Center
Treatment Center, LCSW, CAC, CCTP, IRC-ADC, LMHC
Not Verified Not Verified
Port Saint Lucie, FL 34952
Agape Treatment Center offers a wonderful educational and therapeutic drug and alcohol rehabilitation experience in South Florida, which also includes services for co-existing disorders. Agape Treatment Centers understands the need for support and one-on-one care. Our rehabilitation center embraces a universal, unconditional love that transcends, that serves regardless of circumstances. We provide individuals all over the country with the opportunity to achieve the gift of lasting sobriety. Our evidence-driven therapy and counseling methods are based on a belief that each and every individual is worth living a joyous and rewarding life free from the bondage of addiction and mental health.
Agape Treatment Center offers a wonderful educational and therapeutic drug and alcohol rehabilitation experience in South Florida, which also includes services for co-existing disorders. Agape Treatment Centers understands the need for support and one-on-one care. Our rehabilitation center embraces a universal, unconditional love that transcends, that serves regardless of circumstances. We provide individuals all over the country with the opportunity to achieve the gift of lasting sobriety. Our evidence-driven therapy and counseling methods are based on a belief that each and every individual is worth living a joyous and rewarding life free from the bondage of addiction and mental health.
(954) 289-6486 View (954) 289-6486

Online Treatment Centers

Photo of Daylight Recovery Center, Treatment Center in Stuart, FL
Daylight Recovery Center
Treatment Center
Verified Verified
West Palm Beach, FL 33407
Daylight Recovery Center is a part of the Flyland Recovery Network. This center is located in West Palm Beach, Florida, and leads the eastern region in the initial phase of drug and alcohol detox, residential care substance abuse treatment, and mental health services.
Daylight Recovery Center is a part of the Flyland Recovery Network. This center is located in West Palm Beach, Florida, and leads the eastern region in the initial phase of drug and alcohol detox, residential care substance abuse treatment, and mental health services.
(561) 559-5223 View (561) 559-5223
Photo of Behavioral Health of the Palm Beaches, Treatment Center in Stuart, FL
Behavioral Health of the Palm Beaches
Treatment Center, LCSW, MSW, BA
Verified Verified
Lake Worth, FL 33467
Behavioral Health of the Palm Beaches is Joint Commission Accredited and has been one of the nation’s leading behavioral healthcare organizations for over 20 years. Located in South Florida, we offer expert treatment, support, advocacy and assistance to patients suffering from drug and alcohol addiction and mental health disorders. We specialize in the treatment of alcohol and substance use disorders, mood and thought disorders, and co-occurring disorders. We develop cutting-edge treatment programs using premier evidence-based practices.
Behavioral Health of the Palm Beaches is Joint Commission Accredited and has been one of the nation’s leading behavioral healthcare organizations for over 20 years. Located in South Florida, we offer expert treatment, support, advocacy and assistance to patients suffering from drug and alcohol addiction and mental health disorders. We specialize in the treatment of alcohol and substance use disorders, mood and thought disorders, and co-occurring disorders. We develop cutting-edge treatment programs using premier evidence-based practices.
(561) 556-9847 View (561) 556-9847
Photo of Guardian IOP | Outpatient Drug & Alcohol Treatment, Treatment Center in Stuart, FL
Guardian IOP | Outpatient Drug & Alcohol Treatment
Treatment Center, LMHC
Verified Verified
Delray Beach, FL 33445
The Guardian Intensive Outpatient Program (IOP) offers a comprehensive, gender-specific program to adults suffering from substance dependency. Guardian IOP provides unique and innovative treatment options to adults who either do not require residential care, or who are looking for continuing care following the recent completion of an inpatient treatment program. Our dedicated team of addiction specialists developed an IOP program that is both accessible and effective; a comprehensive program that includes a variety of proven therapeutic modalities. We understand that no two recovery journeys are the same, and that what works for one individual might not work for another. For this reason, we pay close attention to individual needs and help each client develop a personalized plan and treatment-focused goals that are unique to them. If you have recently completed an inpatient treatment program and are looking for additional support, if you do not require such an intensive level of care, our IOP program is likely an ideal option.
The Guardian Intensive Outpatient Program (IOP) offers a comprehensive, gender-specific program to adults suffering from substance dependency. Guardian IOP provides unique and innovative treatment options to adults who either do not require residential care, or who are looking for continuing care following the recent completion of an inpatient treatment program. Our dedicated team of addiction specialists developed an IOP program that is both accessible and effective; a comprehensive program that includes a variety of proven therapeutic modalities. We understand that no two recovery journeys are the same, and that what works for one individual might not work for another. For this reason, we pay close attention to individual needs and help each client develop a personalized plan and treatment-focused goals that are unique to them. If you have recently completed an inpatient treatment program and are looking for additional support, if you do not require such an intensive level of care, our IOP program is likely an ideal option.
(561) 788-7911 View (561) 788-7911
Photo of The Palms Recovery, Treatment Center in Stuart, FL
The Palms Recovery
Treatment Center
Verified Verified
Palm Springs, FL 33461
The Palms Recovery is a team of dedicated professionals who are committed to providing the best treatment experience for our clients. By providing a safe and structured treatment environment our multidisciplinary treatment team works together to help our clients fight their addiction and achieve their goals. By focusing on each client's individual needs, we develop a comprehensive treatment plan to help each individual achieve success through a holistic program. We use a 12 step model along with evidence-based cognitive and experiential therapy.
The Palms Recovery is a team of dedicated professionals who are committed to providing the best treatment experience for our clients. By providing a safe and structured treatment environment our multidisciplinary treatment team works together to help our clients fight their addiction and achieve their goals. By focusing on each client's individual needs, we develop a comprehensive treatment plan to help each individual achieve success through a holistic program. We use a 12 step model along with evidence-based cognitive and experiential therapy.
(561) 763-9834 View (561) 763-9834

Beacon Health Options | Carelon Treatment Centers

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