Use Your Insurance for Therapy
Find your insurance provider below for a step-by-step guide to verifying benefits, finding therapists, and getting reimbursed.
Aetna, a CVS Health company, serves approximately 35 million members nationwide. The integration with CVS provides members with expanded access to behavioral health services, including MinuteClinic locations and pharmacy-based mental health screenings.
~35 million members
Anthem, operating under parent company Elevance Health, is the second-largest health insurer in the U.S. It operates Blue Cross Blue Shield plans in 14 states and uses Carelon Behavioral Health (formerly Beacon Health Options) for mental health services management.
~47 million members
Centene Corporation is the largest Medicaid managed care company in the U.S., also operating Ambetter marketplace plans in nearly every state. With over 28 million members across all product lines, they serve a large population of individuals seeking affordable mental health care.
~28 million members
Cigna Healthcare, part of The Cigna Group, covers approximately 18 million medical members. Their behavioral health services are managed through Evernorth, which provides one of the country's larger behavioral health provider networks and digital therapy tools.
~18 million members
Health Care Service Corporation (HCSC) is the largest customer-owned health insurer in the U.S., operating Blue Cross Blue Shield plans in Illinois, Texas, Montana, New Mexico, and Oklahoma. Combined, HCSC covers approximately 17 million members.
Serves: IL, TX, MT +2 more
~17 million members
Highmark Health is among the largest integrated health care delivery and financing systems in the U.S., operating Blue Cross Blue Shield plans in Pennsylvania, West Virginia, Delaware, and western New York, serving approximately 6 million members.
Serves: PA, WV, DE +1 more
~6 million members
Humana is one of the nation's largest health insurers with a particularly strong presence in Medicare Advantage plans. They serve over 17 million medical members and have expanded mental health access through telehealth partnerships and integrated care programs.
~17 million members
Kaiser Permanente is the nation's largest integrated managed care organization, serving 12.7 million members across 8 states and Washington, D.C. Their integrated model means behavioral health providers work directly within the Kaiser system alongside medical providers.
Serves: CA, CO, GA +6 more
~12.7 million members
Molina Healthcare is a national managed care company focused on Medicaid, Medicare, and Affordable Care Act marketplace plans. They serve approximately 5.4 million members across 19 states, providing affordable access to mental health and substance use treatment.
Serves: CA, FL, ID +16 more
~5.4 million members
UnitedHealthcare is the largest health insurer in the United States, serving over 52 million members. Mental health and behavioral health services are managed through Optum Behavioral Health, which maintains one of the nation's largest behavioral health provider networks.
~52 million members
Anthem Blue Cross Blue Shield of Colorado, an Elevance Health subsidiary, is the BCBS licensee for Colorado, serving approximately 1.7 million members. Colorado's strong parity laws enhance behavioral health protections.
Serves: CO
~1.7 million members
Anthem Blue Cross Blue Shield of Connecticut, an Elevance Health subsidiary, is the BCBS licensee for Connecticut, serving approximately 1.5 million members.
Serves: CT
~1.5 million members
Anthem Blue Cross Blue Shield of Georgia is an Elevance Health subsidiary and the BCBS licensee for Georgia, serving approximately 3.2 million members. They are one of the largest health insurers in the state.
Serves: GA
~3.2 million members
Anthem Blue Cross Blue Shield of Indiana, an Elevance Health subsidiary, is the BCBS licensee for Indiana, serving approximately 2.3 million members. They are the state's largest health insurer.
Serves: IN
~2.3 million members
Anthem Blue Cross Blue Shield of Kentucky, an Elevance Health subsidiary, is the BCBS licensee for Kentucky, serving approximately 1.3 million members across the state.
Serves: KY
~1.3 million members
Anthem Blue Cross Blue Shield of Ohio, an Elevance Health subsidiary, is the BCBS licensee for Ohio, serving approximately 3.4 million members statewide.
Serves: OH
~3.4 million members
Anthem Blue Cross Blue Shield of Virginia, an Elevance Health subsidiary, is the BCBS licensee for Virginia, serving approximately 3.1 million members. They are one of the largest insurers in the state.
Serves: VA
~3.1 million members
Anthem Blue Cross Blue Shield of Wisconsin, an Elevance Health subsidiary, is a BCBS licensee for Wisconsin, serving approximately 600,000 members in the state.
Serves: WI
~600,000 members
Blue Cross Blue Shield of Alabama is the state's largest health insurer, covering more than 3.3 million members. They contract with over 90% of the state's physicians, giving members broad access to behavioral health providers.
Serves: AL
~3.3 million members
Blue Cross Blue Shield of Arizona covers approximately 1.8 million members and is one of the state's largest health insurers. They offer individual, employer, Medicare, and Medicaid plan options with comprehensive behavioral health benefits.
Serves: AZ
~1.8 million members
Blue Cross Blue Shield of Kansas serves approximately 850,000 members and is the state's largest health insurer. They offer comprehensive behavioral health coverage for individual, employer, and Medicare plans.
Serves: KS
~850,000 members
Blue Cross Blue Shield of Louisiana is the state's largest health insurer, covering about 1.9 million members. As a mutual company owned by its policyholders, they serve individuals, employers, and Medicare beneficiaries across all 64 parishes.
Serves: LA
~1.9 million members
Blue Cross Blue Shield of Massachusetts is the largest private health plan in the state, covering approximately 2.9 million members. They offer comprehensive behavioral health coverage enhanced by Massachusetts' strong state parity protections.
Serves: MA
~2.9 million members
Blue Cross Blue Shield of Michigan is the state's largest health insurer, serving approximately 4.7 million members through its PPO (BCBSM) and HMO (Blue Care Network) products. They are a nonprofit mutual insurance company headquartered in Detroit.
Serves: MI
~4.7 million members
Blue Cross Blue Shield of Minnesota is the state's oldest and largest health plan, serving approximately 2.7 million members. As an independent nonprofit, they benefit from Minnesota's strong state-level mental health parity laws.
Serves: MN
~2.7 million members
Blue Cross Blue Shield of Nebraska is the state's largest health insurer, serving approximately 750,000 members. As a mutual company, they offer individual, group, and government plan options across the state.
Serves: NE
~750,000 members
Blue Cross Blue Shield of North Carolina is the state's largest health insurer, covering more than 4.2 million members. They operate as an independent licensee of the Blue Cross Blue Shield Association and have significantly expanded their behavioral health network.
Serves: NC
~4.2 million members
Blue Cross Blue Shield of Tennessee is the state's largest insurer, serving about 3.5 million members. Headquartered in Chattanooga, they are the BCBS licensee for all of Tennessee and a major provider of employer, individual, and government-sponsored plans.
Serves: TN
~3.5 million members
Blue Cross Blue Shield of Vermont is the state's largest health insurer, covering approximately 180,000 members. They are the sole BCBS licensee in Vermont and benefit from the state's strong mental health parity regulations.
Serves: VT
~180,000 members
Blue Cross of Idaho is the state's largest health insurer, serving approximately 600,000 members. They offer individual, employer, and Medicare Supplement plans across Idaho.
Serves: ID
~600,000 members
Blue KC (Blue Cross Blue Shield of Kansas City) is the largest health insurer in the Kansas City metropolitan area, serving approximately 1 million members across western Missouri and the Kansas City, Kansas region.
Serves: MO, KS
~1 million members
Blue Shield of California is a nonprofit health plan serving approximately 4.8 million members. They are the Blue Shield licensee for California (distinct from Anthem Blue Cross, which holds the Blue Cross license in the state).
Serves: CA
~4.8 million members
BlueCross BlueShield of South Carolina serves approximately 1.7 million members statewide. Part of the BlueCross BlueShield of South Carolina family of companies, they are the state's largest health insurer.
Serves: SC
~1.7 million members
Capital BlueCross serves approximately 1.4 million members in 21 counties across central Pennsylvania and the Lehigh Valley. They are one of three independent BCBS licensees in Pennsylvania.
Serves: PA
~1.4 million members
CareFirst BlueCross BlueShield is the largest health insurer in the Maryland, Washington, D.C., and northern Virginia region, serving approximately 3.5 million members. They are a major provider of employer-sponsored, individual, and Medicare plans in the capital region.
Serves: MD, DC, VA
~3.5 million members
Empire BlueCross BlueShield is the largest health insurer in New York state, serving approximately 5 million members. An Anthem/Elevance Health subsidiary, they hold the BCBS license for New York's downstate region including New York City.
Serves: NY
~5 million members
Excellus BlueCross BlueShield serves approximately 1.5 million members across upstate New York, including Rochester, Syracuse, Utica, Binghamton, and Elmira. They are a nonprofit health plan and the BCBS licensee for the upstate region.
Serves: NY
~1.5 million members
Florida Blue (Blue Cross Blue Shield of Florida) is the state's leading health insurer, serving approximately 6 million members. They are Florida's Blue Cross Blue Shield licensee and a GuideWell company, offering coverage in all 67 Florida counties.
Serves: FL
~6 million members
Horizon Blue Cross Blue Shield of New Jersey is the state's largest health insurer, serving approximately 3.8 million members. They are the only health insurer licensed to offer BCBS plans in New Jersey.
Serves: NJ
~3.8 million members
Independence Blue Cross (IBX) serves approximately 2.5 million members in the greater Philadelphia area and southeastern Pennsylvania. They operate Keystone Health Plan East (HMO) and Personal Choice (PPO) products.
Serves: PA
~2.5 million members
Premera Blue Cross is the largest health plan in the Pacific Northwest, serving approximately 2.2 million members in Washington and Alaska. They benefit from Washington state's robust mental health parity protections.
Serves: WA, AK
~2.2 million members
Regence Blue Cross Blue Shield, part of Cambia Health Solutions, serves approximately 2.5 million members across Oregon, Utah, Idaho, and Washington. They operate separate BCBS plans in each state under the Regence brand.
Serves: OR, UT, ID +1 more
~2.5 million members
AllWays Health Partners, affiliated with Mass General Brigham, serves approximately 350,000 members in Massachusetts. They offer commercial, MassHealth (Medicaid), and ConnectorCare plans with access to the Mass General Brigham health system.
Serves: MA
~350,000 members
Baylor Scott & White Health Plan serves approximately 400,000 members in Texas. Affiliated with the largest nonprofit health system in Texas, they offer commercial, marketplace, and Medicare plans with integrated behavioral health access.
Serves: TX
~400,000 members
CalOptima Health is the county-organized Medi-Cal managed care plan for Orange County, California, serving approximately 900,000 members. They also offer OneCare (Medicare-Medicaid) and Medicare Advantage plans.
Serves: CA
~900,000 members
CHRISTUS Health Plan is affiliated with CHRISTUS Health, a faith-based health system serving communities in Texas, New Mexico, and Louisiana. They serve approximately 350,000 members with commercial, marketplace, and Medicare plans.
Serves: TX, NM, LA
~350,000 members
Community Health Choice is a nonprofit health plan serving approximately 440,000 members in the greater Houston, Texas area. They offer Medicaid managed care (CHIP/STAR) and marketplace plans, focusing on affordable access to care for underserved populations.
Serves: TX
~440,000 members
Community Health Plan of Washington (CHPW) is a nonprofit health plan serving approximately 350,000 Apple Health (Medicaid) and marketplace members. They are an affiliate of the Community Health Centers network in Washington state.
Serves: WA
~350,000 members
ConnectiCare, part of the EmblemHealth family, serves approximately 300,000 members in Connecticut. They offer individual, employer, and Medicare plans and are a major insurer on the Connecticut health insurance exchange.
Serves: CT
~300,000 members
EmblemHealth is one of the largest nonprofit health insurers in the New York metropolitan area, formed from the merger of GHI and HIP. They serve approximately 3 million members across New York, New Jersey, and Connecticut.
Serves: NY, NJ, CT
~3 million members
Fallon Health is a nonprofit health plan based in Worcester, Massachusetts, serving approximately 270,000 members. They offer commercial and Medicare plans with comprehensive behavioral health coverage enhanced by Massachusetts' strong parity laws.
Serves: MA
~270,000 members
Geisinger Health Plan serves approximately 540,000 members in central and northeastern Pennsylvania and parts of New Jersey. Now part of Risant Health (a Kaiser Permanente subsidiary), Geisinger offers an integrated care model with behavioral health built into their delivery system.
Serves: PA, NJ
~540,000 members
Health Alliance Plan (HAP) is a Michigan-based health plan affiliated with Henry Ford Health System, serving approximately 640,000 members. Their integrated relationship with Henry Ford provides members with comprehensive behavioral health access.
Serves: MI
~640,000 members
Healthfirst is one of the largest not-for-profit health insurers in New York, serving approximately 1.8 million members. They are a major provider of Medicaid managed care, Child Health Plus, Medicare Advantage, and marketplace plans in New York City.
Serves: NY
~1.8 million members
HealthPartners is a nonprofit integrated health care organization serving approximately 1.8 million members in Minnesota and Wisconsin. Their integrated model combines health plan coverage with their own clinics and hospitals.
Serves: MN, WI
~1.8 million members
Martin's Point Health Care serves approximately 110,000 members in northern New England. They operate integrated health centers with behavioral health services and offer commercial and Medicare Advantage plans in Maine, New Hampshire, and Vermont.
Serves: ME, NH, VT
~110,000 members
Medica is a nonprofit health plan serving approximately 1.7 million members across nine states, with the largest presence in Minnesota and Wisconsin. They offer commercial, Medicare, and Medicaid plans.
Serves: MN, WI, ND +6 more
~1.7 million members
Medical Mutual of Ohio is the state's oldest and largest mutual health insurance company, serving approximately 1.9 million members. They offer a full range of commercial, Medicare Supplement, and individual plans across Ohio.
Serves: OH
~1.9 million members
MetroPlus Health Plan is a health plan of NYC Health + Hospitals, serving approximately 700,000 members in New York City. They offer Medicaid, Child Health Plus, Essential Plan, and marketplace plans.
Serves: NY
~700,000 members
MVP Health Care is a nonprofit health insurer serving approximately 700,000 members in New York and Vermont. Headquartered in Schenectady, they offer individual, employer, Medicare, and Medicaid plans.
Serves: NY, VT
~700,000 members
Neighborhood Health Plan of Rhode Island (NHPRI) is a nonprofit health plan serving approximately 220,000 Medicaid and marketplace members in Rhode Island. They are the state's largest Medicaid managed care plan.
Serves: RI
~220,000 members
Optima Health is a Virginia-based health plan affiliated with Sentara Health, serving approximately 500,000 members. They offer individual, employer, Medicare, and Medicaid plans primarily in the Hampton Roads and Virginia regions.
Serves: VA
~500,000 members
Oscar Health is a technology-focused health insurer offering individual, small group, and Medicare Advantage plans. Known for their user-friendly app and concierge care team, they serve approximately 1.5 million members in 22 states.
Serves: NY, NJ, CA +9 more
~1.5 million members
Point32Health was formed from the merger of Tufts Health Plan and Harvard Pilgrim Health Care, serving approximately 2.2 million members across Massachusetts, Connecticut, Maine, and New Hampshire. Both legacy brands continue operating under the Point32Health umbrella.
Serves: MA, CT, ME +1 more
~2.2 million members
Presbyterian Health Plan is one of the largest health insurers in New Mexico, serving approximately 600,000 members. Part of Presbyterian Healthcare Services, they offer commercial, Medicare, and Medicaid plans across the state.
Serves: NM
~600,000 members
Priority Health, part of Corewell Health, is one of Michigan's largest health plans, serving approximately 1.2 million members. Headquartered in Grand Rapids, they offer commercial, Medicare, and Medicaid plans throughout Michigan.
Serves: MI
~1.2 million members
Quartz Health Solutions serves approximately 450,000 members across Wisconsin, Minnesota, Iowa, and Illinois. Affiliated with UW Health and UnityPoint Health, they offer commercial, marketplace, and Medicare plans.
Serves: WI, MN, IA +1 more
~450,000 members
Sanford Health Plan is affiliated with Sanford Health, one of the nation's largest rural health systems. They serve approximately 250,000 members across South Dakota, North Dakota, Minnesota, and Iowa.
Serves: SD, ND, MN +1 more
~250,000 members
SCAN Health Plan is a nonprofit Medicare Advantage plan serving approximately 280,000 seniors in California, Arizona, Nevada, and Texas. They are one of the largest nonprofit Medicare Advantage plans in the country, with a strong focus on senior health.
Serves: CA, AZ, NV +1 more
~280,000 members
SelectHealth is a nonprofit health insurer affiliated with Intermountain Health, serving approximately 900,000 members in Utah and Idaho. Their integration with Intermountain's health system provides members with seamless access to behavioral health services.
Serves: UT, ID
~900,000 members
Sendero Health Plans is a community-based health plan serving approximately 75,000 members in the Austin, Texas area. Created by the Central Health district, they offer marketplace plans focused on affordable access to care.
Serves: TX
~75,000 members
Sharp Health Plan is a San Diego-based HMO affiliated with Sharp HealthCare, serving approximately 130,000 members. They offer commercial, marketplace, and Medicare plans exclusively in the San Diego area.
Serves: CA
~130,000 members
UPMC Health Plan is part of the University of Pittsburgh Medical Center system, serving approximately 4 million members primarily in Pennsylvania. They provide integrated coverage with access to UPMC's hospitals and specialty centers, including nationally recognized behavioral health programs.
Serves: PA
~4 million members
Western Health Advantage is a Sacramento-based HMO serving approximately 170,000 members in Northern California. They are an alternative to larger HMOs in the region, offering employer and individual plans.
Serves: CA
~170,000 members
Ambetter is the marketplace health insurance brand of Centene Corporation, offering ACA-compliant plans in nearly every state. They serve approximately 5 million marketplace members and are one of the most widely available marketplace insurers in the country.
~5 million members
Amerigroup is the Medicaid managed care subsidiary of Elevance Health (Anthem), serving approximately 5 million Medicaid members across multiple states. They focus exclusively on government-sponsored health programs.
~5 million members
CareSource is a nonprofit Medicaid managed care plan based in Dayton, Ohio, serving approximately 2.4 million members across Ohio, Indiana, Georgia, Kentucky, and West Virginia. They also offer marketplace plans in select states.
Serves: OH, IN, GA +2 more
~2.4 million members
Fidelis Care, a Centene subsidiary, is one of the largest Medicaid managed care plans in New York, serving approximately 2.2 million members. They offer Medicaid, Child Health Plus, Essential Plan, and marketplace coverage across all of New York state.
Serves: NY
~2.2 million members
L.A. Care Health Plan is the nation's largest publicly operated health plan, serving approximately 2.8 million Medi-Cal (Medicaid) and marketplace members in Los Angeles County. They are a critical safety-net insurer in the region.
Serves: CA
~2.8 million members
Meridian Health Plan, a Centene subsidiary, serves approximately 1.5 million Medicaid and marketplace members in Michigan and Illinois. They are one of the largest Medicaid managed care plans in Michigan.
Serves: MI, IL
~1.5 million members
Sunshine Health is Centene's Medicaid managed care plan in Florida, serving approximately 1.8 million Medicaid members. They are one of the largest Medicaid plans in the state, covering children, families, and individuals with disabilities.
Serves: FL
~1.8 million members
Superior HealthPlan is Centene's Medicaid managed care plan in Texas, serving approximately 2 million members. They administer STAR, STAR+PLUS, CHIP, and other Texas Medicaid programs across the state.
Serves: TX
~2 million members
UnitedHealthcare Community Plan is UHC's Medicaid managed care division, serving approximately 7.5 million Medicaid and dual-eligible members across many states. Behavioral health is managed through Optum.
~7.5 million members
WellCare, a Centene subsidiary, provides Medicaid managed care and Medicare Advantage plans. Serving approximately 6 million members across multiple states, WellCare focuses on government-sponsored health coverage for low-income and senior populations.
~6 million members
Aetna Medicare Advantage, a CVS Health company, serves approximately 3.5 million Medicare beneficiaries. The integration with CVS provides unique benefits including MinuteClinic access for behavioral health screenings and services.
~3.5 million members
Clover Health is a technology-focused Medicare Advantage insurer serving approximately 85,000 members. They use their proprietary Clover Assistant platform to help physicians identify care gaps, including behavioral health needs.
~85,000 members
Devoted Health is a newer, technology-driven Medicare Advantage insurer serving approximately 200,000 members. They focus on a simplified, member-friendly experience with comprehensive behavioral health benefits.
~200,000 members
Humana Medicare Advantage is the second-largest Medicare Advantage insurer in the nation, serving approximately 5.5 million Medicare beneficiaries. They are especially strong in the southern United States and have expanded mental health benefits significantly.
~5.5 million members
UnitedHealthcare Medicare Advantage, marketed through the AARP brand, is the nation's largest Medicare Advantage plan, serving approximately 8 million Medicare beneficiaries. They offer extensive behavioral health coverage with low or no copays in many plans.
~8 million members
The APWU Health Plan is a FEHB plan associated with the American Postal Workers Union, serving approximately 175,000 members. It is open to all eligible federal employees and retirees.
~175,000 members
The Blue Cross Blue Shield Federal Employee Program (FEP Blue) is the most popular health plan in the Federal Employees Health Benefits (FEHB) program, covering approximately 5.3 million federal employees, retirees, and their families nationwide.
~5.3 million members
GEHA (Government Employees Health Association) is one of the largest FEHB plans, serving approximately 2.2 million federal employees, retirees, and dependents. They offer both a standard fee-for-service plan and an HDHP option.
~2.2 million members
The Mail Handlers Benefit Plan (MHBP) is a FEHB plan administered by Aetna, serving approximately 250,000 federal employees and retirees. Despite its name, it is open to all eligible federal employees.
~250,000 members
The NALC Health Benefit Plan serves approximately 300,000 federal employees, letter carriers, retirees, and their families. It uses the Cigna provider network and is available to all eligible federal employees through FEHB.
~300,000 members
SAMBA (Special Agents Mutual Benefit Association) Federal Employee Benefit Association is a FEHB plan serving approximately 55,000 members, including federal employees, retirees, and their families.
~55,000 members
Humana Military manages the TRICARE East region, administering benefits for military families in 25 eastern U.S. states plus the District of Columbia. They manage the civilian provider network, claims processing, and referral management.
Serves: CT, DC, DE +22 more
TRICARE Prime is the managed care (HMO-style) option for military service members, retirees, and their families. It provides the most comprehensive coverage with the lowest out-of-pocket costs, and includes extensive mental health benefits with no session limits for outpatient therapy.
~5.6 million (all TRICARE) members
TRICARE Reserve Select (TRS) is a premium-based health plan for Selected Reserve members and their families who are not on active duty. It provides comprehensive coverage including mental health services.
TRICARE Select is the self-managed (PPO-style) TRICARE option, allowing beneficiaries to see any TRICARE-authorized provider without referrals. It covers unlimited outpatient mental health therapy with cost-sharing based on sponsor status.
TriWest Healthcare Alliance manages the TRICARE West region, administering benefits for military families in 26 western U.S. states. They manage the civilian provider network, claims processing, and referral management for the western region.
Serves: AK, AL, AR +23 more
Helpful Insurance Resources
Tools and guides to help you navigate insurance for therapy.
The Cost of Therapy Hub
A complete library covering therapy fees, insurance, HSA/FSA, sliding-scale options, and what to do when insurance isn't enough.
Insurance Benefits Verification Worksheet
A printable checklist of every question to ask your insurer so you know exactly what your plan covers before your first session.
Out-of-Network Reimbursement Calculator
Estimate how much your insurance will reimburse for out-of-network therapy based on your plan details.
Therapy Cost Comparison Tool
Compare the true cost of therapy across different insurance scenarios — in-network, out-of-network, and self-pay.
Complete Guide to Paying for Therapy
Everything you need to know about the cost of therapy and all the ways to make it more affordable.
How to Submit a Superbill
Step-by-step instructions for getting reimbursed by your insurance when you see an out-of-network therapist.
Frequently Asked Questions
Common questions about using insurance for therapy.