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TherapyExplained

Use Your Insurance for Therapy

Find your insurance provider below for a step-by-step guide to verifying benefits, finding therapists, and getting reimbursed.

100+ insurance providers covered
AetnaNational

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.

HMOPPOEPOPOSHDHP

~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.

HMOPPOEPOPOSHDHP

~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.

HMOPPOEPO

~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.

HMOPPOEPOPOSHDHPOAP

~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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOHDHP

Serves: PA, WV, DE +1 more

~6 million members

HumanaNational

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.

HMOPPOPFFSHDHP

~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.

HMOHDHPPOS

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.

HMOPPO

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.

HMOPPOEPOPOSHDHP

~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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOPOSHDHP

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.

HMOPPOPOSHDHP

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.

HMOPPOPOSHDHP

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.

HMOPPOPOS

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.

HMOPPOEPOHDHP

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.

HMOPPOPOSHDHP

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.

HMOPPOPOSHDHP

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.

HMOPPOPOSHDHP

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.

HMOPPOPOS

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.

HMOPPOHDHP

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.

HMOPPOEPOPOS

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).

HMOPPOEPOPOSHDHP

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.

HMOPPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOS

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOPOSHDHP

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.

HMOPPOEPOHDHP

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.

HMOPPOEPOHDHP

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.

HMOPPOPOS

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.

HMOPPOEPO

Serves: TX

~400,000 members

CalOptimaRegional

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.

HMO

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.

HMOPPO

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.

HMO

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.

HMO

Serves: WA

~350,000 members

ConnectiCareRegional

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.

HMOPPOPOS

Serves: CT

~300,000 members

EmblemHealthRegional

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.

HMOPPOEPOPOS

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.

HMOPPOPOS

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.

HMOPPOPOS

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.

HMOPPOPOS

Serves: MI

~640,000 members

HealthfirstRegional

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.

HMOPPOEPO

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.

HMOPPOPOS

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.

HMOPPO

Serves: ME, NH, VT

~110,000 members

MedicaRegional

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.

HMOPPOPOSHDHP

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.

HMOPPOPOSHDHP

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.

HMO

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.

HMOPPOEPOPOS

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.

HMO

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.

HMOPPOPOS

Serves: VA

~500,000 members

Oscar HealthRegional

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.

HMOPPOEPO

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.

HMOPPOPOSHDHP

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.

HMOPPOPOS

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.

HMOPPOPOSHDHP

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.

HMOPPOPOS

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.

HMOPPOPOS

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.

HMO

Serves: CA, AZ, NV +1 more

~280,000 members

SelectHealthRegional

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.

HMOPPOHDHP

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.

HMOEPO

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.

HMO

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.

HMOPPOEPOHDHP

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.

HMO

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.

HMOEPO

~5 million members

AmerigroupMedicaid

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.

HMO

~5 million members

CareSourceMedicaid

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.

HMO

Serves: OH, IN, GA +2 more

~2.4 million members

Fidelis CareMedicaid

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.

HMO

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.

HMO

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.

HMO

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.

HMO

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.

HMO

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.

HMO

~7.5 million members

WellCareMedicaid

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.

HMO

~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.

HMOPPOSNP

~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.

HMOPPO

~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.

HMOPPO

~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.

HMOPPOPFFSSNP

~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.

HMOPPOPFFSSNP

~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.

FFSHDHP

~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.

FFSPPO

~5.3 million members

GEHAFEHB

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.

FFSHDHP

~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.

FFSHDHP

~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.

FFSHDHP

~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.

FFS

~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.

HMOPPO

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.

HMO

~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.

PPO

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.

PPO

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.

HMOPPO

Serves: AK, AL, AR +23 more

Frequently Asked Questions

Common questions about using insurance for therapy.

Most health insurance plans are required to cover mental health services under the Mental Health Parity and Addiction Equity Act. However, coverage details — including copays, deductibles, session limits, and which providers are in-network — vary by plan. Contact your insurer using the phone number on the back of your insurance card to verify your specific benefits.

Call the member services number on your insurance card and ask: What is my copay or coinsurance for outpatient mental health visits? Do I need a referral? Is there a deductible I need to meet first? Is there a session limit? You can also log into your insurer's member portal to review your Summary of Benefits.

You can still see an out-of-network therapist, but you will typically pay more. Many plans offer out-of-network benefits that reimburse a portion of the cost. Your therapist can provide a superbill — a detailed receipt — that you submit to your insurer for reimbursement. Some plans reimburse 50-80% of the allowed amount after you meet your out-of-network deductible.

A superbill is an itemized receipt from your therapist that includes diagnosis codes, procedure codes (CPT codes), session dates, and fees. You submit it to your insurance company to request reimbursement for out-of-network services. Most insurers accept superbills by mail, fax, or through their member portal.

Yes. Therapy sessions with a licensed mental health professional are considered eligible medical expenses for both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use these funds to pay for copays, coinsurance, deductibles, and even out-of-network therapy costs.

If a claim is denied, start by calling your insurer to understand the reason. Common reasons include missing pre-authorization, incorrect coding, or out-of-network issues. You have the right to appeal any denial. Ask your therapist to help with corrected documentation or a letter of medical necessity. Many denials are overturned on appeal.