Cigna and Evernorth Treatment Centers in 92130

Photo of Betty Ford Center in San Diego, CA, Treatment Center in 92130, CA
Betty Ford Center in San Diego, CA
Treatment Center
Verified Verified
San Diego, CA 92130
In recognizing addiction as a chronic disease and recovery as a new way of living, treatment at the Betty Ford Center is individualized, collaborative and occurs over the long term through a continuum of care and support. Our program goals and expectations are designed to ensure patients have the best opportunity to learn, change and heal--moving from clinical care to self-care. It is with this expectation in mind that we developed our programs to help patients learn about the disease of addiction and the need for an abstinence-based life, understand the principles of recovery management, learn and begin the practice the Twelve Steps and principles of Alcoholics Anonymous/Narcotics Anonymous and understand and implement lifestyle changes necessary to maintain sobriety. Clinicians at the Betty Ford Center recognize that patients come to us with varying degrees of motivation and commitment to treatment and making the lifestyle changes necessary for building long-term recovery. That's why we customize treatment planning to meet each patient's needs and continually assess and adjust programming, levels of care, and services based on clinical milestones.
In recognizing addiction as a chronic disease and recovery as a new way of living, treatment at the Betty Ford Center is individualized, collaborative and occurs over the long term through a continuum of care and support. Our program goals and expectations are designed to ensure patients have the best opportunity to learn, change and heal--moving from clinical care to self-care. It is with this expectation in mind that we developed our programs to help patients learn about the disease of addiction and the need for an abstinence-based life, understand the principles of recovery management, learn and begin the practice the Twelve Steps and principles of Alcoholics Anonymous/Narcotics Anonymous and understand and implement lifestyle changes necessary to maintain sobriety. Clinicians at the Betty Ford Center recognize that patients come to us with varying degrees of motivation and commitment to treatment and making the lifestyle changes necessary for building long-term recovery. That's why we customize treatment planning to meet each patient's needs and continually assess and adjust programming, levels of care, and services based on clinical milestones.
(844) 485-4064 View (844) 485-4064
Photo of Ranch Creek Recovery, Treatment Center in 92130, CA
Ranch Creek Recovery
Treatment Center
Not Verified Not Verified
San Diego, CA 92130
Ranch Creek Recovery was established to provide an intimate serene natural setting where our clients can find the security to explore the personal issues that have led to addiction and the strength to recover the greater destiny that lies beyond their addiction. Through therapeutic and holistic methods we strive to help our clients regain self-empowerment, improve their physical and emotional health, and implement positive change in their lives. Along with groups & individual therapies, we also offer experiential therapies including: Acupuncture, Yoga, Fitness Trainer, Nutrition, Equine Therapy (EAP) and Amino Acid Therapy. We have a experienced staff including Masters level counselors, CAADAC counselors, licensed psychologist and work with a psychiatrist for medication management. We offer 30, 60, or 90 day inpatient programs depending on your needs. For more information on the programs we offer, go here: https://ranchcreekrecovery.com/what-we-offer/
Ranch Creek Recovery was established to provide an intimate serene natural setting where our clients can find the security to explore the personal issues that have led to addiction and the strength to recover the greater destiny that lies beyond their addiction. Through therapeutic and holistic methods we strive to help our clients regain self-empowerment, improve their physical and emotional health, and implement positive change in their lives. Along with groups & individual therapies, we also offer experiential therapies including: Acupuncture, Yoga, Fitness Trainer, Nutrition, Equine Therapy (EAP) and Amino Acid Therapy. We have a experienced staff including Masters level counselors, CAADAC counselors, licensed psychologist and work with a psychiatrist for medication management. We offer 30, 60, or 90 day inpatient programs depending on your needs. For more information on the programs we offer, go here: https://ranchcreekrecovery.com/what-we-offer/
(951) 226-3338 View (951) 226-3338
Photo of Montecatini - Women’s Residential, Treatment Center in 92130, CA
Montecatini - Women’s Residential
Treatment Center
Not Verified Not Verified
San Diego, CA 92130
Montecatini Eating Disorder Treatment Center serves adolescent girls and women ages 16-55 who have eating disorders and co-occurring mental health concerns and addictions. Because we recognize that eating disorders can be complex, we employ a range of treatment modalities, including dialectical behavior therapy (DBT), cognitive behavioral therapy (CBT), motivational interviewing, and acceptance and commitment therapy (ACT). For clients who are struggling with co-occurring addictions, we may also incorporate the 12-Step model of recovery into their individualized treatment plan. In our residential program, clients can participate in individual therapy approximately three times per week. Family therapy is also available, and daily group therapy sessions — led by therapists, registered dietitians, nurses, art therapists, and more — give clients the chance to take part in evidence-based therapies, discuss relevant topics, and engage in creative activities, all in a group setting. Clients typically remain in our residential program for 30-60 days depending on their unique needs.
Montecatini Eating Disorder Treatment Center serves adolescent girls and women ages 16-55 who have eating disorders and co-occurring mental health concerns and addictions. Because we recognize that eating disorders can be complex, we employ a range of treatment modalities, including dialectical behavior therapy (DBT), cognitive behavioral therapy (CBT), motivational interviewing, and acceptance and commitment therapy (ACT). For clients who are struggling with co-occurring addictions, we may also incorporate the 12-Step model of recovery into their individualized treatment plan. In our residential program, clients can participate in individual therapy approximately three times per week. Family therapy is also available, and daily group therapy sessions — led by therapists, registered dietitians, nurses, art therapists, and more — give clients the chance to take part in evidence-based therapies, discuss relevant topics, and engage in creative activities, all in a group setting. Clients typically remain in our residential program for 30-60 days depending on their unique needs.
(442) 259-1181 View (442) 259-1181
Photo of Newport Academy, Treatment Center in 92130, CA
Newport Academy
Treatment Center
Verified Verified
San Diego, CA 92130
At Newport Academy, we know that treatment financing can make all the difference in receiving quality treatment. To that end, we promote collaborative relationships with all healthcare payers to optimize the benefit coverage for families in need. We accept all major insurance, and up to 100 percent of our services are covered. Our goal is to partner with insurers to address the adolescent and young adult mental health crisis, by reaching more families and helping them achieve sustainable recovery. If you’re interested in exploring the possibility of treatment at Newport Academy for your loved one’s mental health, behavioral health, or substance abuse issues, we can begin the insurance verification process immediately. Furthermore, we are happy to obtain your insurance policy information and seek verification on your behalf. You can also expedite this process by completing the insurance verification form on our website. There is no obligation to either Newport Academy or to your insurance provider.
At Newport Academy, we know that treatment financing can make all the difference in receiving quality treatment. To that end, we promote collaborative relationships with all healthcare payers to optimize the benefit coverage for families in need. We accept all major insurance, and up to 100 percent of our services are covered. Our goal is to partner with insurers to address the adolescent and young adult mental health crisis, by reaching more families and helping them achieve sustainable recovery. If you’re interested in exploring the possibility of treatment at Newport Academy for your loved one’s mental health, behavioral health, or substance abuse issues, we can begin the insurance verification process immediately. Furthermore, we are happy to obtain your insurance policy information and seek verification on your behalf. You can also expedite this process by completing the insurance verification form on our website. There is no obligation to either Newport Academy or to your insurance provider.
(714) 627-4679 View (714) 627-4679
Photo of The Meadows Ranch, Treatment Center in 92130, CA
The Meadows Ranch
Treatment Center
Verified Verified
San Diego, CA 92130
Why do women and young girls at The Meadows Ranch realize long-lasting recovery? Above and beyond offering the conventional components of other eating disorder treatment programs, we believe in providing patients with the practical tools they need to easily transition back into everyday life. We provide individualized treatment for eating disorders and co-occurring conditions affecting adolescent girls and women. The Meadows Ranch offers an acute level of care as well as inpatient and residential programming in a safe, nurturing, and non-institutional environment.
Why do women and young girls at The Meadows Ranch realize long-lasting recovery? Above and beyond offering the conventional components of other eating disorder treatment programs, we believe in providing patients with the practical tools they need to easily transition back into everyday life. We provide individualized treatment for eating disorders and co-occurring conditions affecting adolescent girls and women. The Meadows Ranch offers an acute level of care as well as inpatient and residential programming in a safe, nurturing, and non-institutional environment.
(714) 770-8675 View (714) 770-8675
Photo of BOLD Health, Treatment Center in 92130, CA
BOLD Health
Treatment Center, MD
Verified Verified
San Diego, CA 92130
BOLD Health is a medical home for mental health run by physicians, rooted in research and science and dedicated to personalized attention and care. We provide full spectrum psychiatric care including medication management and psychotherapy for adults and adolescents, intensive depression and anxiety treatment, intensive addiction treatment and group therapy. We are here to meet you where you are to help you reach your goals for mental health. Our focus is you.
BOLD Health is a medical home for mental health run by physicians, rooted in research and science and dedicated to personalized attention and care. We provide full spectrum psychiatric care including medication management and psychotherapy for adults and adolescents, intensive depression and anxiety treatment, intensive addiction treatment and group therapy. We are here to meet you where you are to help you reach your goals for mental health. Our focus is you.
(760) 654-6598 View (760) 654-6598
Photo of Discovery Mood & Anxiety Program, Treatment Center in 92130, CA
Discovery Mood & Anxiety Program
Treatment Center
Verified Verified
San Diego, CA 92130
Since 1997, Discovery Mood & Anxiety Program has been helping thousands of patients build the confidence and skills they need to better navigate life’s challenges. We look at the person, not the diagnosis. We reveal what’s possible for those who have experienced a history of depression, anxiety or other mood disorders. With evidence-based treatment, complementary modalities, family therapy and ongoing support, we utilize our world-class continuum of care to turn lives around.
Since 1997, Discovery Mood & Anxiety Program has been helping thousands of patients build the confidence and skills they need to better navigate life’s challenges. We look at the person, not the diagnosis. We reveal what’s possible for those who have experienced a history of depression, anxiety or other mood disorders. With evidence-based treatment, complementary modalities, family therapy and ongoing support, we utilize our world-class continuum of care to turn lives around.
(858) 239-1573 View (858) 239-1573
Photo of Montecatini - Women’s Outpatient, Treatment Center in 92130, CA
Montecatini - Women’s Outpatient
Treatment Center
Not Verified Not Verified
San Diego, CA 92130
Montecatini is an outpatient treatment center for adolescent and adult women age 16 and older who are struggling with eating disorders and co-occurring concerns, including addictions and other mental health disorders. Women can access our partial hospitalization program (PHP) as a form of step-down care after residential treatment, or they may enter the PHP directly. Typically, clients remain in our PHP for 30-90 days; however, your precise length of stay will depend on your individual needs. Participants in the PHP usually meet six days per week and may participate in a range of therapies, including evidence-based interventions such as cognitive behavioral therapy (CBT) and dialectical behavior therapy (DBT). In our PHP, clients can also meet with medical staff multiple times each week to receive medical care and may also see a psychiatrist once a week for support with medication management. Our robust group therapy offerings include process groups, expressive arts therapy groups, and groups addressing topics such as discharge planning, self-esteem, and body image.
Montecatini is an outpatient treatment center for adolescent and adult women age 16 and older who are struggling with eating disorders and co-occurring concerns, including addictions and other mental health disorders. Women can access our partial hospitalization program (PHP) as a form of step-down care after residential treatment, or they may enter the PHP directly. Typically, clients remain in our PHP for 30-90 days; however, your precise length of stay will depend on your individual needs. Participants in the PHP usually meet six days per week and may participate in a range of therapies, including evidence-based interventions such as cognitive behavioral therapy (CBT) and dialectical behavior therapy (DBT). In our PHP, clients can also meet with medical staff multiple times each week to receive medical care and may also see a psychiatrist once a week for support with medication management. Our robust group therapy offerings include process groups, expressive arts therapy groups, and groups addressing topics such as discharge planning, self-esteem, and body image.
(442) 239-2997 View (442) 239-2997
Photo of San Diego Treatment and Recovery Center, Treatment Center in 92130, CA
San Diego Treatment and Recovery Center
Treatment Center
Verified Verified
San Diego, CA 92130
San Diego Treatment and Recovery Center is an Intensive Outpatient Program specializing in treating adult men and women struggling with addiction, substance abuse and dual diagnosis. We provide both group and individual therapy, educational counseling and therapeutic activities on an onpatient basis for our clients and their families in a safe nurturing environment.
San Diego Treatment and Recovery Center is an Intensive Outpatient Program specializing in treating adult men and women struggling with addiction, substance abuse and dual diagnosis. We provide both group and individual therapy, educational counseling and therapeutic activities on an onpatient basis for our clients and their families in a safe nurturing environment.
(888) 259-1474 View (888) 259-1474
Photo of Confidential Recovery, Treatment Center in 92130, CA
Confidential Recovery
Treatment Center, BHC, SME
Verified Verified
San Diego, CA 92130
Confidential...it's what we are a good at. Confidential, competent treatment for your addiction. We work with adults and treat you like an adult. We are client-focused, treating everyone with respect as they navigate the world of treatment. Having a challenging career is hard enough without having to give up everything to seek treatment. Our program runs primarily in the evening so we can work with your schedule. We specialize in helping working adults, first responders, and veterans, and have veteran peer counselors on staff. You don't have to hit rock bottom with you career - let us help first!
Confidential...it's what we are a good at. Confidential, competent treatment for your addiction. We work with adults and treat you like an adult. We are client-focused, treating everyone with respect as they navigate the world of treatment. Having a challenging career is hard enough without having to give up everything to seek treatment. Our program runs primarily in the evening so we can work with your schedule. We specialize in helping working adults, first responders, and veterans, and have veteran peer counselors on staff. You don't have to hit rock bottom with you career - let us help first!
(619) 937-3885 View (619) 937-3885
Photo of Refresh Recovery, Treatment Center in 92130, CA
Refresh Recovery
Treatment Center, LMFT
Verified Verified
San Diego, CA 92130
An innovative approach to mental health and substance use disorder treatment in San Diego, California. At Refresh Recovery we believe attending mental health parallel to drug and alcohol addiction is an art. We developed a transformative evidence-based rehab model with the guidance and input of world-class mental health professionals and recovery leaders. As unique as you, let Refresh Recovery provide a tailored rehabilitation program that attends your psychological and physiological needs. Refresh Recovery rehab in San Diego is a premier drug addiction and alcohol addiction rehabilitation, which offers inpatient treatment and outpatient programs. Refresh Recovery uses a variety of treatments, that include holistic techniques, psychological therapies and medical treatments to tend individuals who need help with a range of addictions: alcohol, cocaine, methamphetamine, benzodiazepine, Xanax or any form of prescription pills). Refresh Recovery rehab program was developed using methods that have been proven for long-term recovery. We integrate evidence-based models to customize a rehabilitation program specifically to optimize long-term success for each patient.
An innovative approach to mental health and substance use disorder treatment in San Diego, California. At Refresh Recovery we believe attending mental health parallel to drug and alcohol addiction is an art. We developed a transformative evidence-based rehab model with the guidance and input of world-class mental health professionals and recovery leaders. As unique as you, let Refresh Recovery provide a tailored rehabilitation program that attends your psychological and physiological needs. Refresh Recovery rehab in San Diego is a premier drug addiction and alcohol addiction rehabilitation, which offers inpatient treatment and outpatient programs. Refresh Recovery uses a variety of treatments, that include holistic techniques, psychological therapies and medical treatments to tend individuals who need help with a range of addictions: alcohol, cocaine, methamphetamine, benzodiazepine, Xanax or any form of prescription pills). Refresh Recovery rehab program was developed using methods that have been proven for long-term recovery. We integrate evidence-based models to customize a rehabilitation program specifically to optimize long-term success for each patient.
(858) 358-5079 View (858) 358-5079
Photo of Center For Discovery, Treatment Center in 92130, CA
Center For Discovery
Treatment Center
Not Verified Not Verified
San Diego, CA 92130
At Center for Discovery, we have built a legacy that has helped thousands of patients in eating disorder recovery. Since 1997, our continuum of care takes treatment out of hospitals and into real-life settings. Our evidence-based and trauma-informed treatments give our patients the coping skills and encouragement they need to navigate real-life recovery. Our team gets to the heart of why patients have a disorder—this means asking questions and providing therapies that reveal the root causes, all in a space that is filled with compassion and security. From the moment our patients step through the doors, they’ll begin developing the tools needed for everyday life after treatment.
At Center for Discovery, we have built a legacy that has helped thousands of patients in eating disorder recovery. Since 1997, our continuum of care takes treatment out of hospitals and into real-life settings. Our evidence-based and trauma-informed treatments give our patients the coping skills and encouragement they need to navigate real-life recovery. Our team gets to the heart of why patients have a disorder—this means asking questions and providing therapies that reveal the root causes, all in a space that is filled with compassion and security. From the moment our patients step through the doors, they’ll begin developing the tools needed for everyday life after treatment.
(858) 223-6416 View (858) 223-6416
Photo of La Jolla Recovery, Treatment Center in 92130, CA
La Jolla Recovery
Treatment Center
Verified Verified
San Diego, CA 92130
Escape the clutches of addiction with La Jolla Recovery Centers, premier destinations for substance abuse and drug recovery in La Jolla, California. We understand every struggle is unique; thus, we provide a carefully tailored approach encompassing inpatient residential treatment, intensive outpatient programs, and strategic aftercare. We even recommend sober living homes for sustained recovery. For over 12 years, we've been a bulwark in the detox industry, boasting an extensive footprint in South California's addiction recovery space. With profound expertise and passion, we commit to elevating your lifestyle, championing a long-term recovery strategy for those desiring significant change. Plagued by multiple relapses or struggling with dual diagnosis? We offer medication-assisted treatment options like Suboxone, Sublocade, Subutex, Naloxone, or Vivitrol. At La Jolla Recovery San Diego, we incorporate science-driven and evidence-based practices into our therapy sessions. Moreover, we specialize in treating dual disorders with professional clinical attention. The serene backdrop of La Jolla accompanies each healing step you embark on - an idyllic setting to connect.
Escape the clutches of addiction with La Jolla Recovery Centers, premier destinations for substance abuse and drug recovery in La Jolla, California. We understand every struggle is unique; thus, we provide a carefully tailored approach encompassing inpatient residential treatment, intensive outpatient programs, and strategic aftercare. We even recommend sober living homes for sustained recovery. For over 12 years, we've been a bulwark in the detox industry, boasting an extensive footprint in South California's addiction recovery space. With profound expertise and passion, we commit to elevating your lifestyle, championing a long-term recovery strategy for those desiring significant change. Plagued by multiple relapses or struggling with dual diagnosis? We offer medication-assisted treatment options like Suboxone, Sublocade, Subutex, Naloxone, or Vivitrol. At La Jolla Recovery San Diego, we incorporate science-driven and evidence-based practices into our therapy sessions. Moreover, we specialize in treating dual disorders with professional clinical attention. The serene backdrop of La Jolla accompanies each healing step you embark on - an idyllic setting to connect.
(858) 943-2167 View (858) 943-2167
Photo of Center For Discovery, Treatment Center in 92130, CA
Center For Discovery
Treatment Center
Not Verified Not Verified
San Diego, CA 92130
At Center for Discovery, we have built a legacy that has helped thousands of patients in eating disorder recovery. Since 1997, our continuum of care takes treatment out of hospitals and into real-life settings. Our evidence-based and trauma-informed treatments give our patients the coping skills and encouragement they need to navigate real-life recovery. Our team gets to the heart of why patients have a disorder—this means asking questions and providing therapies that reveal the root causes, all in a space that is filled with compassion and security. From the moment our patients step through the doors, they’ll begin developing the tools needed for everyday life after treatment.
At Center for Discovery, we have built a legacy that has helped thousands of patients in eating disorder recovery. Since 1997, our continuum of care takes treatment out of hospitals and into real-life settings. Our evidence-based and trauma-informed treatments give our patients the coping skills and encouragement they need to navigate real-life recovery. Our team gets to the heart of why patients have a disorder—this means asking questions and providing therapies that reveal the root causes, all in a space that is filled with compassion and security. From the moment our patients step through the doors, they’ll begin developing the tools needed for everyday life after treatment.
(858) 295-7461 View (858) 295-7461
Photo of Pacific Bay Recovery Detox, Inpatient, and IOP, Treatment Center in 92130, CA
Pacific Bay Recovery Detox, Inpatient, and IOP
Treatment Center
Verified Verified
San Diego, CA 92130
Clients who seek our assistance are often struggling with addiction and emotional challenges that were brought about by or may have preceded their substance abuse. These co-occurring conditions (also known as dual diagnosis disorders) may include depression, acute anxiety, bi-polar disorder, etc. At Pacific Bay Recovery, we understand that the effects of these dual diagnosis disorders may vary from client to client, which is why our treatment process is structured based on your specific needs and routine. Our clients work intensively with our heavily educated and experienced team to address and treat the underlying conditions which contribute to substance abuse issues.
Clients who seek our assistance are often struggling with addiction and emotional challenges that were brought about by or may have preceded their substance abuse. These co-occurring conditions (also known as dual diagnosis disorders) may include depression, acute anxiety, bi-polar disorder, etc. At Pacific Bay Recovery, we understand that the effects of these dual diagnosis disorders may vary from client to client, which is why our treatment process is structured based on your specific needs and routine. Our clients work intensively with our heavily educated and experienced team to address and treat the underlying conditions which contribute to substance abuse issues.
(619) 949-1166 View (619) 949-1166
Cigna and Evernorth 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