BlueCross BlueShield Treatment Centers in Saint Clair County, MI

Photo of Colonial Woods Christian Counseling Center, Treatment Center in Saint Clair County, MI
Colonial Woods Christian Counseling Center
Treatment Center, LMSW, ACSW
Verified Verified
Port Huron, MI 48060
Our Center combines professional counseling with reasonable fees - while recognizing the spiritual dimension of the individual seeking assistance. All of our therapists are state-licensed and ready to serve your counseling needs. Most insurances accepted.
Our Center combines professional counseling with reasonable fees - while recognizing the spiritual dimension of the individual seeking assistance. All of our therapists are state-licensed and ready to serve your counseling needs. Most insurances accepted.
(810) 375-7471 View (810) 375-7471
Photo of Sanford House at John Street, Treatment Center in Saint Clair County, MI
Sanford House at John Street
Treatment Center
Verified Verified
Port Huron, MI 48060
Sanford Behavioral Health at John Street is a CARF-accredited residential & outpatient addiction treatment & co-occurring disorders center. Characterized by robust excursions, evidence-based practices, nutritional guidance, & a psychiatrist-led medical & clinical team, Sanford offers excellence in the treatment of drugs (including stimulants & opioids) & alcohol in a restorative setting. Sanford patients & their therapists work collaboratively to establish an individualized plan for treatment & recovery. The program includes a full continuum of care, medical detox, medication management, 12-step meetings, chef, mindfulness, & art therapy—alumni & family support. Placement in a Sanford facility is determined at medical & psychiatric assessment
Sanford Behavioral Health at John Street is a CARF-accredited residential & outpatient addiction treatment & co-occurring disorders center. Characterized by robust excursions, evidence-based practices, nutritional guidance, & a psychiatrist-led medical & clinical team, Sanford offers excellence in the treatment of drugs (including stimulants & opioids) & alcohol in a restorative setting. Sanford patients & their therapists work collaboratively to establish an individualized plan for treatment & recovery. The program includes a full continuum of care, medical detox, medication management, 12-step meetings, chef, mindfulness, & art therapy—alumni & family support. Placement in a Sanford facility is determined at medical & psychiatric assessment
(844) 243-9291 View (844) 243-9291
Photo of Substance Abuse Treatment | Harbor Oaks Hospital, Treatment Center in Saint Clair County, MI
Substance Abuse Treatment | Harbor Oaks Hospital
Treatment Center
Not Verified Not Verified
Saint Clair, MI 48079
At Harbor Oaks, we believe each one of our patients is capable of change and that mental illnesses and addictions are very treatable concerns. Each programming option we offer includes evidence-based therapeutic interventions and treatment modalities that are proven effective in changing people's lives for the better. Whether it is you, your child, spouse, or other loved one who is in need of treatment, our staff of compassionate clinical professionals will do all that they can to ensure that you or someone you care about receives the most appropriate care available. These same professionals broach the treatment of mental health disorders and substance abuse in a holistic manner, taking into account the emotional, psychological, spiritual, and social wellbeing of each patient. Symptoms and addictions are not the focus of the treatment at Harbor Oaks Hospital, but rather the patient and what he or she requires of us in order to move forward in life is where our treatment planning process stems from. In choosing Harbor Oaks Hospital for treatment, you will be welcomed as if you are a member of our family, respected and care for, with your dignity preserved for the duration of your time with us.
At Harbor Oaks, we believe each one of our patients is capable of change and that mental illnesses and addictions are very treatable concerns. Each programming option we offer includes evidence-based therapeutic interventions and treatment modalities that are proven effective in changing people's lives for the better. Whether it is you, your child, spouse, or other loved one who is in need of treatment, our staff of compassionate clinical professionals will do all that they can to ensure that you or someone you care about receives the most appropriate care available. These same professionals broach the treatment of mental health disorders and substance abuse in a holistic manner, taking into account the emotional, psychological, spiritual, and social wellbeing of each patient. Symptoms and addictions are not the focus of the treatment at Harbor Oaks Hospital, but rather the patient and what he or she requires of us in order to move forward in life is where our treatment planning process stems from. In choosing Harbor Oaks Hospital for treatment, you will be welcomed as if you are a member of our family, respected and care for, with your dignity preserved for the duration of your time with us.
(844) 203-1447 View (844) 203-1447
Photo of Harbor Oaks Hospital - Children's Inpatient, Treatment Center in Saint Clair County, MI
Harbor Oaks Hospital - Children's Inpatient
Treatment Center
Verified Verified
Harbor Oaks Hospital offers a premier inpatient program for children and adolescents ages 4-17 who are struggling with disruptive symptoms of mental health concerns. In the pediatric inpatient program, we provide separate units for children and teens, including a specialized inpatient pediatric unit (SIPU) for those who have an autism spectrum disorder or intellectual disability diagnosis. The average length of stay in the inpatient program is seven to 10 days, although patients in the SIPU may require a longer length of stay, typically 14-28 days. We strive to meet each young person where they are on their journey to improved wellness, providing them with the focused support and age-appropriate services they need to get well. During treatment, our patients receive evidence-based care that can include cognitive behavioral therapy and dialectical behavior therapy. Our team understands that children and adolescents may respond differently to certain therapies, and we are committed to getting to know our patients personally so that we can provide them with the most effective interventions for their needs.
Harbor Oaks Hospital offers a premier inpatient program for children and adolescents ages 4-17 who are struggling with disruptive symptoms of mental health concerns. In the pediatric inpatient program, we provide separate units for children and teens, including a specialized inpatient pediatric unit (SIPU) for those who have an autism spectrum disorder or intellectual disability diagnosis. The average length of stay in the inpatient program is seven to 10 days, although patients in the SIPU may require a longer length of stay, typically 14-28 days. We strive to meet each young person where they are on their journey to improved wellness, providing them with the focused support and age-appropriate services they need to get well. During treatment, our patients receive evidence-based care that can include cognitive behavioral therapy and dialectical behavior therapy. Our team understands that children and adolescents may respond differently to certain therapies, and we are committed to getting to know our patients personally so that we can provide them with the most effective interventions for their needs.
(844) 203-1447 View (844) 203-1447
Photo of Harbor Oaks Hospital Depression Treatment, Treatment Center in Saint Clair County, MI
Harbor Oaks Hospital Depression Treatment
Treatment Center
Verified Verified
Port Huron, MI 48060
At Harbor Oaks Hospital, we provide an efficient admissions process, with intake staff available 24 hours a day, seven days a week to help people get the care they need quickly. Potential patients can contact our intake department by phone or through our website. Before admission to our depression treatment program, our team conducts an assessment for each potential patient that helps us determine if our facility is right for them. We can also verify benefits with their health insurance provider at this time. Following the individual’s evaluation, one of our doctors recommends the most appropriate level of care for them. Our team is dedicated to helping each person who turns to us for support take the first brave step toward a brighter, happier future. If we decide that another treatment center may be a better fit, we can make a referral to a vetted and trusted depression treatment provider in the area. To learn more about our depression treatment program and whether our comprehensive services can help you on your journey to healing, we encourage you to contact our team today.
At Harbor Oaks Hospital, we provide an efficient admissions process, with intake staff available 24 hours a day, seven days a week to help people get the care they need quickly. Potential patients can contact our intake department by phone or through our website. Before admission to our depression treatment program, our team conducts an assessment for each potential patient that helps us determine if our facility is right for them. We can also verify benefits with their health insurance provider at this time. Following the individual’s evaluation, one of our doctors recommends the most appropriate level of care for them. Our team is dedicated to helping each person who turns to us for support take the first brave step toward a brighter, happier future. If we decide that another treatment center may be a better fit, we can make a referral to a vetted and trusted depression treatment provider in the area. To learn more about our depression treatment program and whether our comprehensive services can help you on your journey to healing, we encourage you to contact our team today.
(844) 203-1447 View (844) 203-1447
Photo of Stepping Stones Counseling Center, PLLC, Treatment Center in Saint Clair County, MI
Stepping Stones Counseling Center, PLLC
Treatment Center
Verified Verified
1 Endorsed
Algonac, MI 48001
Our mission and vision at Stepping Stones is to help people attain their fullest potential based on their own unique strengths and abilities by providing comprehensive and integrated treatment that promotes health and quality of life. We also employ the highest standard of professionalism and confidentiality and have worked to offer a comfortable and compassionate environment.
Our mission and vision at Stepping Stones is to help people attain their fullest potential based on their own unique strengths and abilities by providing comprehensive and integrated treatment that promotes health and quality of life. We also employ the highest standard of professionalism and confidentiality and have worked to offer a comfortable and compassionate environment.
(586) 204-1914 View (586) 204-1914

Online Treatment Centers

Photo of Counseling and Therapy Associates, Treatment Center in Saint Clair County, MI
Counseling and Therapy Associates
Treatment Center, MA, LPC, NCC
Verified Verified
Taylor, MI 48180
So you think you want to go to therapy, but you’re not sure. You’re wondering: “Who goes to therapy? Weak, broken people with issues? People who are crazy?” Actually, there is only one kind of person who goes to therapy: the courageous kind! Even though society has come a long way, there is still a stigma attached to mental health. Our view is that everyone can benefit from talking to someone. Therapy is for anyone and everyone who wants to make positive changes to their lives. Stop suffering and struggling with feelings of sadness, anxiety, depression, and bad relationships. Therapy is not a sign of weakness, it is a sign of strength and your decision to make your life and the lives of those around you better
So you think you want to go to therapy, but you’re not sure. You’re wondering: “Who goes to therapy? Weak, broken people with issues? People who are crazy?” Actually, there is only one kind of person who goes to therapy: the courageous kind! Even though society has come a long way, there is still a stigma attached to mental health. Our view is that everyone can benefit from talking to someone. Therapy is for anyone and everyone who wants to make positive changes to their lives. Stop suffering and struggling with feelings of sadness, anxiety, depression, and bad relationships. Therapy is not a sign of weakness, it is a sign of strength and your decision to make your life and the lives of those around you better
(313) 986-1243 View (313) 986-1243
Photo of Easterseals MORC, Treatment Center in Saint Clair County, MI
Easterseals MORC
Treatment Center
Verified Verified
Southfield, MI 48075
Easterseals MORC has been offering disability services since 1920. As one of the largest providers of mental health services in the state, Easterseals MORC evolves to meet the ever-changing needs of the people they serve. By combining the latest mental health therapies along with cutting edge technology, Easterseals MORC is able to offer the best services for most mental health disabilities, serving individuals of all ages.
Easterseals MORC has been offering disability services since 1920. As one of the largest providers of mental health services in the state, Easterseals MORC evolves to meet the ever-changing needs of the people they serve. By combining the latest mental health therapies along with cutting edge technology, Easterseals MORC is able to offer the best services for most mental health disabilities, serving individuals of all ages.
(248) 870-3175 View (248) 870-3175
Photo of CCMC Psychological Services, Treatment Center in Saint Clair County, MI
CCMC Psychological Services
Treatment Center, LMSW
Verified Verified
Saint Johns, MI 48879
Our mission is to provide the highest quality mental health treatment. Our office has multiple mental health therapists who work along side our physician guided medical team to provide psychological services and medical care together. This allows us to provide treatment like no other facility in the area, offering both psychotherapy and medication management if necessary, but not required if you have a primary care that you like. We also offer psychological and neuropsychological evaluations through our doctorate level neuropsychologists who can perform testing to further understand diagnosis and brain function. We also offer substance abuse programs, and medication assisted substance abuse programs using Suboxone.
Our mission is to provide the highest quality mental health treatment. Our office has multiple mental health therapists who work along side our physician guided medical team to provide psychological services and medical care together. This allows us to provide treatment like no other facility in the area, offering both psychotherapy and medication management if necessary, but not required if you have a primary care that you like. We also offer psychological and neuropsychological evaluations through our doctorate level neuropsychologists who can perform testing to further understand diagnosis and brain function. We also offer substance abuse programs, and medication assisted substance abuse programs using Suboxone.
(989) 252-7229 View (989) 252-7229
Photo of Sollars and Associates, Treatment Center in Saint Clair County, MI
Sollars and Associates
Treatment Center, PhD, LP
Verified Verified
Providing counseling and psychotherapy services for more than 30 years. With support, encouragement and expert insight, many people begin to feel better after their first session. Please contact us to discuss whatever issue you are facing, and we can work together to help you overcome your obstacles. In addition to counseling and psychotherapy, we also offer psychological and educational evaluations for children and adults concerned about symptoms of Learning Disabilities, Attention Deficit Disorder, Developmental Delays and more. Further, we offer evaluations for work disability, psychological fitness for work, bariatric surgery evaluations, and other needs.
Providing counseling and psychotherapy services for more than 30 years. With support, encouragement and expert insight, many people begin to feel better after their first session. Please contact us to discuss whatever issue you are facing, and we can work together to help you overcome your obstacles. In addition to counseling and psychotherapy, we also offer psychological and educational evaluations for children and adults concerned about symptoms of Learning Disabilities, Attention Deficit Disorder, Developmental Delays and more. Further, we offer evaluations for work disability, psychological fitness for work, bariatric surgery evaluations, and other needs.
(248) 862-1171 View (248) 862-1171
Photo of Partners in Change, Treatment Center in Saint Clair County, MI
Partners in Change
Treatment Center, PsyD, LMSW, LPC, LLP, TLLP
Verified Verified
Midland, MI 48640
Partner in Change provides services in individual, couples, family, and group therapies to all ages. This team of therapists provide state-of-the-art treatment for a variety of concerns including anxiety disorders, depressive disorders, anger management issues, substance abuse, trauma/PTSD, eating disorders, pain management as well as martial and familial difficulties. Psychological assessments and psychiatric care for a variety of purposes are also available.
Partner in Change provides services in individual, couples, family, and group therapies to all ages. This team of therapists provide state-of-the-art treatment for a variety of concerns including anxiety disorders, depressive disorders, anger management issues, substance abuse, trauma/PTSD, eating disorders, pain management as well as martial and familial difficulties. Psychological assessments and psychiatric care for a variety of purposes are also available.
(989) 832-2165 View (989) 832-2165
Photo of Alpha Family Counseling, Treatment Center in Saint Clair County, MI
Alpha Family Counseling
Treatment Center, MSW, LMSW, ACSW, CAAC
Verified Verified
Today you are one step closer to making changes in your life that will lead to new ways of thinking, feeling and behaving. As psychologists, our goal is to assist you in therapy to discover your true self and lead to a life worth celebrating. While no one can change difficult situations or experiences of the past, we can work together to better understand and resolve the challenges in your life. By applying complementary therapeutic approaches and techniques, we will help you change long-standing behavior patterns or negative perceptions that may be holding you back from experiencing a more fulfilling and meaningful life. If you are looking for extra support and guidance through a challenging situation or you are just ready to move in a new direction in your life, we look forward to working with you to achieve your goals. Please call or email our office for an appointment today.
Today you are one step closer to making changes in your life that will lead to new ways of thinking, feeling and behaving. As psychologists, our goal is to assist you in therapy to discover your true self and lead to a life worth celebrating. While no one can change difficult situations or experiences of the past, we can work together to better understand and resolve the challenges in your life. By applying complementary therapeutic approaches and techniques, we will help you change long-standing behavior patterns or negative perceptions that may be holding you back from experiencing a more fulfilling and meaningful life. If you are looking for extra support and guidance through a challenging situation or you are just ready to move in a new direction in your life, we look forward to working with you to achieve your goals. Please call or email our office for an appointment today.
(248) 218-1520 View (248) 218-1520
Photo of Dennis, Moye, Branstetter & Associates, Treatment Center in Saint Clair County, MI
Dennis, Moye, Branstetter & Associates
Treatment Center, LMSW, PhD, PsyD, MD, LMFT
Verified Verified
We are a privately owned mental health clinic offering a full range of psychological services for children, adolescents, adults and older adults. The highly skilled and experienced staff is comprised of psychiatrists, psychologists, social workers and dieticians that have extensive clinical experience working with significant emotional, developmental, familial and relationship problems. The clinic has several nationally recognized researchers/clinicians that specialize in the treatment of eating disorders, ADD/ADHD and adolescent development.
We are a privately owned mental health clinic offering a full range of psychological services for children, adolescents, adults and older adults. The highly skilled and experienced staff is comprised of psychiatrists, psychologists, social workers and dieticians that have extensive clinical experience working with significant emotional, developmental, familial and relationship problems. The clinic has several nationally recognized researchers/clinicians that specialize in the treatment of eating disorders, ADD/ADHD and adolescent development.
(248) 728-6742 View (248) 728-6742
Photo of Ann Arbor Counseling Associates, Treatment Center in Saint Clair County, MI
Ann Arbor Counseling Associates
Treatment Center, LPC, MSW, LMFT
Verified Verified
Ann Arbor, MI 48105
We are a woman owned, anti-racist, and LGBTQIA+ friendly practice. Our clinicians offer both therapy and medication services to a wide variety of people and ages. We offer both virtual and in-person services for kids, teens, adults, couples, families and groups. Some of our specialties include assessment and treatment of ADHD, trauma, Treatment Resistant Depression, and Anxiety, behavioral and relationship issues. Along with traditional talk therapy, we also specialize in using Ketamine Medication Treatments, EMDR, and Art Therapy.
We are a woman owned, anti-racist, and LGBTQIA+ friendly practice. Our clinicians offer both therapy and medication services to a wide variety of people and ages. We offer both virtual and in-person services for kids, teens, adults, couples, families and groups. Some of our specialties include assessment and treatment of ADHD, trauma, Treatment Resistant Depression, and Anxiety, behavioral and relationship issues. Along with traditional talk therapy, we also specialize in using Ketamine Medication Treatments, EMDR, and Art Therapy.
(734) 732-4063 View (734) 732-4063
Photo of Evolve Behavioral Health, Treatment Center in Saint Clair County, MI
Evolve Behavioral Health
Treatment Center, LMSW
Verified Verified
1 Endorsed
Brighton, MI 48116
Evolve Behavioral Health in Brighton is a leading out-patient mental health practice serving Livingston, Oakland, Washtenaw, Genesee and surrounding areas for the last ten years. Evolve has highly trained, fully licensed therapists to work with individuals, couples and families across the life span. We offer treatment for a wide array of metal health challenges including depression, anxiety, trauma disorders and PTDS, marital challenges, grief and loss, autism, spectrum disorders, ADD/ADHD assessments and treatment, parenting support and adjustment disorders related to life's changes and challenges.
Evolve Behavioral Health in Brighton is a leading out-patient mental health practice serving Livingston, Oakland, Washtenaw, Genesee and surrounding areas for the last ten years. Evolve has highly trained, fully licensed therapists to work with individuals, couples and families across the life span. We offer treatment for a wide array of metal health challenges including depression, anxiety, trauma disorders and PTDS, marital challenges, grief and loss, autism, spectrum disorders, ADD/ADHD assessments and treatment, parenting support and adjustment disorders related to life's changes and challenges.
(810) 209-3852 View (810) 209-3852
Photo of Silver Linings Counseling, Treatment Center in Saint Clair County, MI
Silver Linings Counseling
Treatment Center, PhD, LP
Verified Verified
If the challenges in your life feel like they are uncontrollable, we encourage you to take the time for yourself by reaching out to us for support. It is the goal of Silver Linings Counseling to help you navigate through any obstacle you may have, because we know that life can be difficult and overwhelming. Our goal is to help you create positive change in your life to aid in your happiness and well-being. We believe in strong emotional support, a healthy perspective, and hard work.
If the challenges in your life feel like they are uncontrollable, we encourage you to take the time for yourself by reaching out to us for support. It is the goal of Silver Linings Counseling to help you navigate through any obstacle you may have, because we know that life can be difficult and overwhelming. Our goal is to help you create positive change in your life to aid in your happiness and well-being. We believe in strong emotional support, a healthy perspective, and hard work.
(586) 501-8065 View (586) 501-8065
Photo of Easterseals MORC, Treatment Center in Saint Clair County, MI
Easterseals MORC
Treatment Center
Verified Verified
Auburn Hills, MI 48326
Easterseals MORC has been offering disability services since 1920. As one of the largest providers of mental health services in the state, Easterseals MORC evolves to meet the ever-changing needs of the people they serve. By combining the latest mental health therapies along with cutting edge technology, Easterseals MORC is able to offer the best services for most mental health disabilities, serving individuals of all ages.
Easterseals MORC has been offering disability services since 1920. As one of the largest providers of mental health services in the state, Easterseals MORC evolves to meet the ever-changing needs of the people they serve. By combining the latest mental health therapies along with cutting edge technology, Easterseals MORC is able to offer the best services for most mental health disabilities, serving individuals of all ages.
(248) 602-2894 View (248) 602-2894
Photo of Michigan Psychological Care - Alma, Treatment Center in Saint Clair County, MI
Michigan Psychological Care - Alma
Treatment Center, PsyD, LPC, LMSW, TLLP
Not Verified Not Verified
Saint Johns, MI 48879
Our mission is to provide the highest quality mental health treatment. Our office has several mental health therapists who work along side our physician guided medical team to provide psychological services and medical care together. This allows us to provide treatment like no other facility in the area, offering both psychotherapy and medication management if necessary, but not required if you have a primary care that you like. We also offer psychological and neuropsychological evaluations through our doctorate level neuropsychologists who can perform testing to further understand diagnosis and brain function. We also offer substance abuse programs, and medication assisted substance abuse programs using Suboxone.
Our mission is to provide the highest quality mental health treatment. Our office has several mental health therapists who work along side our physician guided medical team to provide psychological services and medical care together. This allows us to provide treatment like no other facility in the area, offering both psychotherapy and medication management if necessary, but not required if you have a primary care that you like. We also offer psychological and neuropsychological evaluations through our doctorate level neuropsychologists who can perform testing to further understand diagnosis and brain function. We also offer substance abuse programs, and medication assisted substance abuse programs using Suboxone.
(989) 292-3572 View (989) 292-3572
Photo of Child and Family Charities: Behavioral Health, Treatment Center in Saint Clair County, MI
Child and Family Charities: Behavioral Health
Treatment Center, LLPC, LCSW, LMSW, CADC
Verified Verified
Lansing, MI 48911
Child and Family Charities understands that each person and every family is special and unique. We understand that life presents everyone with challenges and obstacles on the journey through adulthood and beyond. At times, these challenges can feel almost insurmountable. Whether it's stress at work or school, unfulfilled relationships with family or friends, social isolation, difficulty managing unwanted emotions, or a concern for you or a loved one about substance misuse, Child and Family is here to promote a sense of connectedness, foster resiliency, and instill hope in the life’s others.
Child and Family Charities understands that each person and every family is special and unique. We understand that life presents everyone with challenges and obstacles on the journey through adulthood and beyond. At times, these challenges can feel almost insurmountable. Whether it's stress at work or school, unfulfilled relationships with family or friends, social isolation, difficulty managing unwanted emotions, or a concern for you or a loved one about substance misuse, Child and Family is here to promote a sense of connectedness, foster resiliency, and instill hope in the life’s others.
(517) 201-1307 x151 View (517) 201-1307 x151
Photo of University Center for the Child and Family (UCCF), Treatment Center in Saint Clair County, MI
University Center for the Child and Family (UCCF)
Treatment Center, PhD
Verified Verified
Ann Arbor, MI 48104
UCCF is a University of Michigan facility offering a comprehensive range of mental health services for children, adolescents, and families. Our facility was designed with families in mind; our waiting room includes a play room for children, and child care is available during appointments. We are strongly committed to helping children, teens, couples and families enjoy happier lives, more satisfying relationships, and increased success at school or work. Parking is conveniently located in the Liberty Square Parking Structure directly above us on 500 E. Washington Street.
UCCF is a University of Michigan facility offering a comprehensive range of mental health services for children, adolescents, and families. Our facility was designed with families in mind; our waiting room includes a play room for children, and child care is available during appointments. We are strongly committed to helping children, teens, couples and families enjoy happier lives, more satisfying relationships, and increased success at school or work. Parking is conveniently located in the Liberty Square Parking Structure directly above us on 500 E. Washington Street.
(734) 259-3184 View (734) 259-3184

See more therapy options for Saint Clair County

BlueCross BlueShield 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 benefit plans that help defray the cost of couples therapy.

Learn more about Insurance Coverage and Finding Affordable Therapy