At Healing in Mind, we accept a variety of insurance plans and are happy to verify your specific benefits before your first appointment. If you are unsure whether your plan is covered, please contact us with your insurance card, and we will check your coverage for you.

Accepted insurance plans include:

• Aetna

• Aetna Medicaid

• BCBS

• BCN

• BCC

• BCBSM Medicare Advantage

• BCN Medicare Advantage

• Medicaid

• McLaren

• Meridian Complete

• Molina

• Evernorth (Cigna)

• Straight Medicaid

• HAP Caresource

• Humana Medicare

• Molina Medicare

• Meridian Complete Medicare

• Straight Medicare

• United Healthcare/Optum

• HAP/ASR

• Humana

Out-of-pocket costs such as a copay, deductible, or coinsurance depend on the specifics of your insurance plan. Most plans include some combination of the following: a deductible (the amount you pay for covered services each year before your insurance begins to share more of the cost), a copay (a fixed fee due at the time of service, for example $20–$40 per visit, though some plans do not use copays), and coinsurance (a percentage of the allowed amount you pay after meeting your deductible, such as 20%). Your plan also includes an out-of-pocket maximum, which represents the most you will pay in a plan year for covered services (including your deductible, copays, and coinsurance). Once this limit is reached, your plan typically covers 100% of allowed amounts for covered services for the remainder of the year. Certain services, such as many preventive care visits, may be fully covered with no cost to you, while outpatient mental health and counseling services often involve a copay, deductible, or coinsurance. To determine your exact financial responsibility, please review your insurance card and plan summary or contact the member services number on your card to confirm your current deductible status, copay/coinsurance amounts for outpatient mental health visits, and your out-of-pocket maximum.

When you have a health insurance plan with a deductible, that’s the amount you pay for covered care before your insurance starts paying more. Once you meet your deductible, your plan begins sharing the cost of covered services. You may still owe a copay (a fixed fee) or coinsurance (a percentage of the bill), but you won’t be paying full price anymore. You keep paying these smaller amounts until you hit your out-of-pocket maximum; after that, your insurance typically covers 100% of covered services for the rest of the plan year.

No, insurance is not required to attend therapy sessions. You can pay out of pocket as a self-pay client without using insurance at all. Many clients choose self-pay to increase their privacy, avoid having a mental health diagnosis added to their medical record, and maintain full control over their treatment without an insurance company involved in their care decisions. If you are interested in the self-pay option, please let us know so we can discuss a fee that fits your financial situation.

Before your first appointment, it can be beneficial to learn more about your insurance plan by contacting the member services number on your insurance card and asking:

About your plan and mental health coverage

1. Does my plan include mental health/behavioral health benefits?

2. Are there limitations or restrictions on the number of sessions covered per year?

3. Does my plan cover both in-network and out-of-network mental health providers?

4. If out-of-network benefits are included, what are my out-of-network deductible and coinsurance for outpatient mental health visits?

About deductibles, copays, and coinsurance

1. What is my in-network deductible for outpatient mental health visits?

2. How much of my deductible has been met this year?

3. What is my copay for outpatient mental health visits, and does it apply before or after I meet my deductible?

4. What is my coinsurance percentage for mental health services after I meet my deductible?

5. What is my out-of-pocket maximum, and how much have I paid toward it this year?

About requirements and logistics

1. Does my plan require pre-authorization or pre-certification for psychotherapy?

2. Do I need a referral from my primary care physician to see a mental health provider?

3. Is my specific provider in-network with my plan?

4. If I see an out-of-network provider, do I need a referral, and how do I submit claims for reimbursement?