Humana Therapists in 94109
![Photo of Jamie Bennett, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/fdfc3d57-6af2-416b-bcbc-692fba2433e3/1/320x400.png)
Jamie Bennett
Clinical Social Work/Therapist, LCSW
Verified Verified
San Francisco, CA 94109 (Online Only)
Jamie Bennett is a Licensed Clinical Social Worker (LCSW) in the state of California with over 8 years of counseling experience. She specializes in treating children, teens, and adults who are suffering from anxiety disorders, depression, life transitions, mood, and personality disorders. She has honed a comprehensive therapeutic style to best support patients’ sustainable life changes. Jamie currently works in an individual capacity with adolescents and adults, identifying their most pervasive symptoms with the intention of liberating them from their emotional confines.
Jamie Bennett is a Licensed Clinical Social Worker (LCSW) in the state of California with over 8 years of counseling experience. She specializes in treating children, teens, and adults who are suffering from anxiety disorders, depression, life transitions, mood, and personality disorders. She has honed a comprehensive therapeutic style to best support patients’ sustainable life changes. Jamie currently works in an individual capacity with adolescents and adults, identifying their most pervasive symptoms with the intention of liberating them from their emotional confines.
![Photo of Amy Robbins, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/b0c8d299-60e8-44dc-b4b6-c22cc79a91ff/2/320x400.png)
Amy Robbins
Clinical Social Work/Therapist, LCSW
Verified Verified
San Francisco, CA 94109 (Online Only)
Amy Robbins is a Licensed Clinical Social Worker in California who has been practicing since 2004. She earned a Bachelor's in Social Welfare at California State University, Long Beach and a Master's in Social Work at University of California, Los Angeles. Amy believes that people who seek therapy are wanting to live their best lives. She bases the establishment of therapeutic alliance, all history and narrative from clients, and all therapeutic techniques she employs to assist clients toward this want. In her spare time, Amy enjoys studying Japanese, cooking vegan cuisine, and reading books of many kinds.
Amy Robbins is a Licensed Clinical Social Worker in California who has been practicing since 2004. She earned a Bachelor's in Social Welfare at California State University, Long Beach and a Master's in Social Work at University of California, Los Angeles. Amy believes that people who seek therapy are wanting to live their best lives. She bases the establishment of therapeutic alliance, all history and narrative from clients, and all therapeutic techniques she employs to assist clients toward this want. In her spare time, Amy enjoys studying Japanese, cooking vegan cuisine, and reading books of many kinds.
![Photo of Kim Williams, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/4972cd21-ad63-4e46-965f-97cb94679241/1/320x400.jpeg)
Kim Williams
Marriage & Family Therapist, LMFT
Verified Verified
San Francisco, CA 94109 (Online Only)
Kim Williams is a Licensed Marriage and Family Therapist in California who has been practicing since 2009. She has a Masters of Arts in Counseling and Psychology. Kim's goal is to provide you with directive feedback to help identify current dynamics in relationships, reach a resolution to long-standing patterns, and support you in your efforts to lead a fulfilling life. Kim offers a truly relaxed environment where you're free to be your true authentic self. "? Outside of work, Kim enjoys spending time with family and friends and watching Netflix.
Kim Williams is a Licensed Marriage and Family Therapist in California who has been practicing since 2009. She has a Masters of Arts in Counseling and Psychology. Kim's goal is to provide you with directive feedback to help identify current dynamics in relationships, reach a resolution to long-standing patterns, and support you in your efforts to lead a fulfilling life. Kim offers a truly relaxed environment where you're free to be your true authentic self. "? Outside of work, Kim enjoys spending time with family and friends and watching Netflix.
![Photo of Mariam Parekh, PhD, Psychologist](https://photos.psychologytoday.com/60a1d72d-df90-4c9e-bc04-03ca9dc9f5a3/1/320x400.jpeg)
Dr. Mariam Parekh is a Clinical Psychologist in Colorado who has been practicing since 2016. She has a PhD from Syracuse University and has completed all Ph.D. requirements from American Psychological Association accredited placements. She completed her Internship at White River Junction Veteran Association and Dartmouth University and her Post Graduate work from Loma Linda Veteran Association. Dr. Parekh is well-trained in areas of areas of depression, anxiety, trauma, adjustment and marital counseling.
Dr. Mariam Parekh is a Clinical Psychologist in Colorado who has been practicing since 2016. She has a PhD from Syracuse University and has completed all Ph.D. requirements from American Psychological Association accredited placements. She completed her Internship at White River Junction Veteran Association and Dartmouth University and her Post Graduate work from Loma Linda Veteran Association. Dr. Parekh is well-trained in areas of areas of depression, anxiety, trauma, adjustment and marital counseling.
![Photo of Rima Salem, LMFT, Clinical Social Work/Therapist](https://photos.psychologytoday.com/13bbd6a7-0f81-4e91-9563-e67066939f55/2/320x400.jpeg)
Rima Salem
Clinical Social Work/Therapist, LMFT
Verified Verified
San Francisco, CA 94109 (Online Only)
Rima is a Licensed Marriage and Family Therapist (LMFT) with over 15 years of clinical experience working with a variety of individuals, children, and families on their goals for overall health and wellbeing. Rima began her professional career as an elementary school teacher, where she developed a desire to help her students and families cope with the stressors in life that made education challenging. Witnessing the struggles of the children in her classroom left a lasting impression on Rima, and she knew that she wanted to help the community in a different way.
Rima is a Licensed Marriage and Family Therapist (LMFT) with over 15 years of clinical experience working with a variety of individuals, children, and families on their goals for overall health and wellbeing. Rima began her professional career as an elementary school teacher, where she developed a desire to help her students and families cope with the stressors in life that made education challenging. Witnessing the struggles of the children in her classroom left a lasting impression on Rima, and she knew that she wanted to help the community in a different way.
![Photo of Sheilah Sulliger, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/ab908cad-fc1e-4718-90c6-cb6b92176eb3/1/320x400.jpeg)
Sheilah Sulliger
Marriage & Family Therapist, LMFT
Verified Verified
San Francisco, CA 94109 (Online Only)
Dr. Sheilah Sulliger is a Licensed Marriage and Family Therapist in California who has been practicing since 1993. She has a Ph.D. in Counseling Psychology, an M. A. in Marriage, Family, and Child Counseling, an M.S. in Gerontology, and a B.A. in Psychology from the University of Southern California. Dr. Sulliger will do her very best to assist you in completing your therapeutic goals. In her spare time, Dr, Sulliger enjoys volunteering for an animal rescue group, taking dance lessons for tap, en pointe, jazz, and hip hop. She also enjoys jogging and working out with weights.
Dr. Sheilah Sulliger is a Licensed Marriage and Family Therapist in California who has been practicing since 1993. She has a Ph.D. in Counseling Psychology, an M. A. in Marriage, Family, and Child Counseling, an M.S. in Gerontology, and a B.A. in Psychology from the University of Southern California. Dr. Sulliger will do her very best to assist you in completing your therapeutic goals. In her spare time, Dr, Sulliger enjoys volunteering for an animal rescue group, taking dance lessons for tap, en pointe, jazz, and hip hop. She also enjoys jogging and working out with weights.
![Photo of Edward Mccrone, Psychologist](https://photos.psychologytoday.com/2edd769f-312d-4380-bb2a-0fd47c975601/1/320x400.jpeg)
30 years helping clients make peace with trauma, abuse, grief, anxiety, depression, parenting distress, addiction, coming out, disease, death, and unresolved pain from relationship misfortune. Individual psychotherapy focused on at least four themes: 1. Frank talk about what has gone wrong or been missing, and acknowledgement of afflicted feelings; 2. Grief work focused on moving past trauma, deprivation, loss, disillusionment, disloyalty, and inconsolability; 3. Replacing unfortunate habits (of mind, heart or action) with ways of living that clients would now find most comfortable; 4.
30 years helping clients make peace with trauma, abuse, grief, anxiety, depression, parenting distress, addiction, coming out, disease, death, and unresolved pain from relationship misfortune. Individual psychotherapy focused on at least four themes: 1. Frank talk about what has gone wrong or been missing, and acknowledgement of afflicted feelings; 2. Grief work focused on moving past trauma, deprivation, loss, disillusionment, disloyalty, and inconsolability; 3. Replacing unfortunate habits (of mind, heart or action) with ways of living that clients would now find most comfortable; 4.
![Photo of Atlantide Mangin, LPCC, Counselor](https://photos.psychologytoday.com/0c7e59ad-eeaa-46c4-bb9b-2be2abbdf04e/1/320x400.jpeg)
Atlantide Mangin is a Licensed Professional Clinical Counselor in California who has been practicing since 2015. She earned her Master of Arts in Counseling at the University of San Diego in California with a specialization in Clinical Mental Health Counseling. Atlantide’s undergraduate degree is in Psychology with a minor in Sociology. Atlantide’s counseling experience includes the following specializations: trauma, grief, depression, anxiety, self-esteem, and relationship difficulties.
Atlantide Mangin is a Licensed Professional Clinical Counselor in California who has been practicing since 2015. She earned her Master of Arts in Counseling at the University of San Diego in California with a specialization in Clinical Mental Health Counseling. Atlantide’s undergraduate degree is in Psychology with a minor in Sociology. Atlantide’s counseling experience includes the following specializations: trauma, grief, depression, anxiety, self-esteem, and relationship difficulties.
![Photo of Shelly Messenger, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/1fb818e2-2f30-482c-a26c-c69a6e5e0b27/1/320x400.jpeg)
Shelly Messenger
Clinical Social Work/Therapist, LCSW
Verified Verified
San Francisco, CA 94109 (Online Only)
Welcome and congratulations for taking this first step on your journey to change and growth! My name is Shelly and I am a Licensed Clinical Social Worker. I became a Social Worker because I am passionate about helping people. I became a therapist because I believe in the healing power of conversation, allowing me the privilege to help people overcome obstacles to being joyful, healthy, and connected. I believe we all carry within us the resources we need to enjoy life in a realistic and authentic way.
Welcome and congratulations for taking this first step on your journey to change and growth! My name is Shelly and I am a Licensed Clinical Social Worker. I became a Social Worker because I am passionate about helping people. I became a therapist because I believe in the healing power of conversation, allowing me the privilege to help people overcome obstacles to being joyful, healthy, and connected. I believe we all carry within us the resources we need to enjoy life in a realistic and authentic way.
![Photo of Leanne Spagnola, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/543251d7-0e62-486d-a21c-71760e210bf4/2/320x400.jpeg)
Leanne Spagnola
Marriage & Family Therapist, LMFT
Verified Verified
San Francisco, CA 94109 (Online Only)
The therapeutic relationship is the biggest indicator of successful outcomes in therapy. I'm glad you are here in search of the right therapist for you. I work from a trauma-informed psychodynamic perspective. I focus on the nature and quality of the relationships in your life, past and present, to identify strengths, pain points, patterns, and connections. When appropriate, I utilize principles of Cognitive Behavioral Therapy (CBT), Narrative Therapy, and Acceptance and Commitment Therapy (ACT) to assist you in moving toward your goals.
The therapeutic relationship is the biggest indicator of successful outcomes in therapy. I'm glad you are here in search of the right therapist for you. I work from a trauma-informed psychodynamic perspective. I focus on the nature and quality of the relationships in your life, past and present, to identify strengths, pain points, patterns, and connections. When appropriate, I utilize principles of Cognitive Behavioral Therapy (CBT), Narrative Therapy, and Acceptance and Commitment Therapy (ACT) to assist you in moving toward your goals.
![Photo of Charles Ukaoma, LPCC, Counselor](https://photos.psychologytoday.com/170048d6-6517-44e8-8d5f-cf74e9724bc1/1/320x400.jpeg)
Dr. Charles Ukaoma, is a Licensed Professional Clinical Counselor (LPCC), Licensed Advanced Alcohol and Drug Counselor (LAADC) as well as Internationally Cerified Co-Occurring Disorder Professional (ICCDP). He has been working in the arena of substance use disorders and Mental Health Disorders for about 36 years. He is also Certified at an Independent Practitioner Level (SOTP-') by the California Sex Offender Management Board (CASOMB) for the assessment and Treatment for individuals who have been convicted of sexually offending behaviors by the California Courts. Dr. Ukaoma received his A. S.
Dr. Charles Ukaoma, is a Licensed Professional Clinical Counselor (LPCC), Licensed Advanced Alcohol and Drug Counselor (LAADC) as well as Internationally Cerified Co-Occurring Disorder Professional (ICCDP). He has been working in the arena of substance use disorders and Mental Health Disorders for about 36 years. He is also Certified at an Independent Practitioner Level (SOTP-') by the California Sex Offender Management Board (CASOMB) for the assessment and Treatment for individuals who have been convicted of sexually offending behaviors by the California Courts. Dr. Ukaoma received his A. S.
![Photo of Douglas Vakoch - Dr. Douglas Vakoch - Green Psychotherapy, PC, PhD, Psychologist](https://photos.psychologytoday.com/f124b216-08f6-457e-89c1-464822c786f7/1/320x400.jpeg)
Dr. Douglas Vakoch - Green Psychotherapy, PC
Psychologist, PhD
Verified Verified
32 Endorsed
San Francisco, CA 94109
It takes courage to start therapy. The very fact that you’re considering it probably means you’re getting ready to make some significant changes in your life. My approach to therapy focuses on understanding and accepting you as you are right now, and creating a safe space where you can figure out where you want to go from here. We’ll work together as you get ready to make the sometimes tough (and rewarding) changes that will give you a better life. As a therapist, I am guided by intuition as well as research, as reflected in my books "Eco-Anxiety and Pandemic Distress," "Eco-Anxiety and Planetary Hope," and "Transgender India."
It takes courage to start therapy. The very fact that you’re considering it probably means you’re getting ready to make some significant changes in your life. My approach to therapy focuses on understanding and accepting you as you are right now, and creating a safe space where you can figure out where you want to go from here. We’ll work together as you get ready to make the sometimes tough (and rewarding) changes that will give you a better life. As a therapist, I am guided by intuition as well as research, as reflected in my books "Eco-Anxiety and Pandemic Distress," "Eco-Anxiety and Planetary Hope," and "Transgender India."
![Photo of Ray Zambo, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/6f143980-e431-4305-b477-c0ec9d04ea32/1/320x400.jpeg)
Ray Zambo
Clinical Social Work/Therapist, LCSW
Verified Verified
San Francisco, CA 94109 (Online Only)
Ray Zambo is a Licensed Marriage and Family Therapist in California who has been practicing since 1992. He has a Master's degree from San Diego State University. Ray assists client in discovering their inner strengths and how to use those in overcoming internal/external conflicts, fears, and barriers. He helps them to lead a satisfying and successful life that they can be proud of. Outside of work, Ray enjoys oil painting, dogs, travel, sports, cooking, and eating.
Ray Zambo is a Licensed Marriage and Family Therapist in California who has been practicing since 1992. He has a Master's degree from San Diego State University. Ray assists client in discovering their inner strengths and how to use those in overcoming internal/external conflicts, fears, and barriers. He helps them to lead a satisfying and successful life that they can be proud of. Outside of work, Ray enjoys oil painting, dogs, travel, sports, cooking, and eating.
![Photo of Becky Grenfell, LPCC, Counselor](https://photos.psychologytoday.com/1cdcad64-a296-4399-94e4-35a2150d4dbd/1/320x400.jpeg)
As a clinician, my objective is to collaboratively tailor a plan that will aid you in achieving your goals. Often individuals seek assistance for depression, anxiety, bipolar disorder, family conflict, relationship difficulties, alcohol and substance use, ADHD, and life stressors. We can work on these together. Along with taking a strengths-based approach, I use a variety of evidence-based and creative techniques such as Cognitive Behavioral Therapy, Motivational Interviewing, behavior modification, mindfulness, relaxation, art and play therapy, development of coping skills, family systems, and more.
As a clinician, my objective is to collaboratively tailor a plan that will aid you in achieving your goals. Often individuals seek assistance for depression, anxiety, bipolar disorder, family conflict, relationship difficulties, alcohol and substance use, ADHD, and life stressors. We can work on these together. Along with taking a strengths-based approach, I use a variety of evidence-based and creative techniques such as Cognitive Behavioral Therapy, Motivational Interviewing, behavior modification, mindfulness, relaxation, art and play therapy, development of coping skills, family systems, and more.
![Photo of Gabriela Parra, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/5890f6e2-03cb-4190-9889-d5ed723053b1/1/320x400.jpeg)
Gabriela Parra
Clinical Social Work/Therapist, LCSW
Verified Verified
San Francisco, CA 94109 (Online Only)
Gabriela Parra is a Licensed Clinical Social Worker who has been practicing since 2007. She has a Bachelor of Arts in Psychology from UCLA and a Master’s Degree in Social Welfare from UCLA. Gabriela has gained extensive experience in working with young children, adolescents, adults, and older adults over the past 16 years as a mental health therapist. She believes in using a warm, empathetic, and strengths-based approach along with light-hearted humor to foster trust, build therapeutic alliances, and facilitate deeper emotional work with clients.
Gabriela Parra is a Licensed Clinical Social Worker who has been practicing since 2007. She has a Bachelor of Arts in Psychology from UCLA and a Master’s Degree in Social Welfare from UCLA. Gabriela has gained extensive experience in working with young children, adolescents, adults, and older adults over the past 16 years as a mental health therapist. She believes in using a warm, empathetic, and strengths-based approach along with light-hearted humor to foster trust, build therapeutic alliances, and facilitate deeper emotional work with clients.
![Photo of Lisa Johnson, PsyD, Psychologist](https://photos.psychologytoday.com/c67d5871-4222-47af-8603-298509750deb/1/320x400.jpeg)
Lisa Johnson is a Psychologist in California who has been practicing since 2000. She has a PsyD and MA from Pepperdine University. Lisa has worked for many years as both a psychologist and small business owner, with particular expertise in addressing matters of workplace stress. Lisa works with adults of all ages and backgrounds to help them hear their own voice in a world that is constantly seeking to influence them for its own purposes. She seeks to understand the present individual, by way of exploring how past successes and disappointments have shaped them.
Lisa Johnson is a Psychologist in California who has been practicing since 2000. She has a PsyD and MA from Pepperdine University. Lisa has worked for many years as both a psychologist and small business owner, with particular expertise in addressing matters of workplace stress. Lisa works with adults of all ages and backgrounds to help them hear their own voice in a world that is constantly seeking to influence them for its own purposes. She seeks to understand the present individual, by way of exploring how past successes and disappointments have shaped them.
![Photo of Lisa Padilla, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/214c412f-455a-400f-9991-4867fcfe2329/1/320x400.jpeg)
Lisa Padilla
Clinical Social Work/Therapist, LCSW
Verified Verified
San Francisco, CA 94109 (Online Only)
Lisa Padilla is a Licensed Clinical Social Worker in Michigan who has been practicing since 2015. She has a Master's of Clinical Social Work focusing on Psychotherapy and Clinical Social Work from Florida State University. Lisa has a demonstrated history of working in the mental health care industry. She is skilled in Addiction Counseling, Military Mental Health, Treatment Planning, Co-Occuring Disorders, Psychological Assessment, Interpersonal Relationship Issues (Intimacy, Codependency, Trust Rebuilding and more), LGBTQ+ Counseling, and Severe Mental Health Care. Lisa provides in-person services and telehealth treatment.
Lisa Padilla is a Licensed Clinical Social Worker in Michigan who has been practicing since 2015. She has a Master's of Clinical Social Work focusing on Psychotherapy and Clinical Social Work from Florida State University. Lisa has a demonstrated history of working in the mental health care industry. She is skilled in Addiction Counseling, Military Mental Health, Treatment Planning, Co-Occuring Disorders, Psychological Assessment, Interpersonal Relationship Issues (Intimacy, Codependency, Trust Rebuilding and more), LGBTQ+ Counseling, and Severe Mental Health Care. Lisa provides in-person services and telehealth treatment.
![Photo of Julia M Tisdale, MA, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/8fe7e069-9b66-457e-b626-7edd263dc169/2/320x400.jpeg)
Julia M Tisdale
Marriage & Family Therapist, MA, LMFT
Verified Verified
San Francisco, CA 94109 (Online Only)
Are you ready to start your mental wellness journey? I'm Julia, and I'm here to help you work through whatever is keeping you stuck. Is it a bad relationship that's holding you back? Anxiety that keeps you from getting that promotion? Whatever the problem, we can work through it together. I have experience working with clients from all different backgrounds and walks of life. I work hard to make sure my clients feel comfortable and understood. Whoever you are, you are welcome here. I offer LGBTQ+, polyam and kink-affirming therapy.
Are you ready to start your mental wellness journey? I'm Julia, and I'm here to help you work through whatever is keeping you stuck. Is it a bad relationship that's holding you back? Anxiety that keeps you from getting that promotion? Whatever the problem, we can work through it together. I have experience working with clients from all different backgrounds and walks of life. I work hard to make sure my clients feel comfortable and understood. Whoever you are, you are welcome here. I offer LGBTQ+, polyam and kink-affirming therapy.
![Photo of Sandra Smith, Clinical Social Work/Therapist](https://photos.psychologytoday.com/69a9c09e-86bc-4451-8a2b-51a307e68a00/2/320x400.jpeg)
I specialize in anxiety, especially clients who have had past trauma. I work with both individuals and couples, especially if someone in the relationship has had past trauma. Some of the types of trauma I address in individual therapy are abandonment trauma, sexual trauma, racial trauma and physical abuse. Other challenges I support individuals with include perfectionism, overly responsible, avoidance, fight or flight responses relationship issues & grief. Emotional healing is key to recovering from your past. I support my clients to understand their emotions better and learn how to move through their emotions in a healthy way.
I specialize in anxiety, especially clients who have had past trauma. I work with both individuals and couples, especially if someone in the relationship has had past trauma. Some of the types of trauma I address in individual therapy are abandonment trauma, sexual trauma, racial trauma and physical abuse. Other challenges I support individuals with include perfectionism, overly responsible, avoidance, fight or flight responses relationship issues & grief. Emotional healing is key to recovering from your past. I support my clients to understand their emotions better and learn how to move through their emotions in a healthy way.
![Photo of Rickey A Bates, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/32981311-114e-4461-8917-a3729681bf8c/1/320x400.jpeg)
Rickey A Bates
Clinical Social Work/Therapist, LCSW
Verified Verified
San Francisco, CA 94109
Waitlist for new clients
I have been in practice as a psychotherapist for over 7 years. My Master’s in Social Work focused on Critical Race Theory and Intersectionality and how our different life experiences shape and influence how we navigate our surroundings. As a Licensed Clinical Social Worker, BIPOC (Black, Indigenous Person of Color) & LGBTQIA, and a veteran of the United States Armed Forces, some of my approaches in helping my clients identify their challenges and barriers to their identified problems start from a person-centered approach by discovering who they are and what they need and want in life.
I have been in practice as a psychotherapist for over 7 years. My Master’s in Social Work focused on Critical Race Theory and Intersectionality and how our different life experiences shape and influence how we navigate our surroundings. As a Licensed Clinical Social Worker, BIPOC (Black, Indigenous Person of Color) & LGBTQIA, and a veteran of the United States Armed Forces, some of my approaches in helping my clients identify their challenges and barriers to their identified problems start from a person-centered approach by discovering who they are and what they need and want in life.
See more therapy options for 94109
Humana Therapists
Does insurance cover therapy, prescriptions and other behavioral health services?
In general, yes. Laws in the U.S. require insurers to cover essential behavioral health care at the same level as other health care services. Most health plans require a medical diagnosis and treatments that are evidence based and medically essential. This means that life coaching and alternative therapies are not covered, nor is therapy without a diagnosis. Call the number on the back or your insurance card or visit your insurance company's website to review your Summary of Benefits. If you have insurance through your employer, your Human Resources department may also be able to answer questions.
How much does therapy cost with insurance?
The cost of therapy depends on your region, how much training and experience your therapist has, and the type of treatment. The rate for talk therapy generally falls between $100 and $250. For a client seeing an in-network provider, the cost of therapy is often similar to the cost of other health care services. Clients pay co-pays and may need to satisfy a plan’s deductible before benefits kick in.
What is the difference between In-Network and Out-of-Network insurance coverage?
An in-network provider has contracted with an insurer to get paid directly for services, and to accept the insurer’s rate of compensation. Clients are responsible for deductibles and copays. If a therapist is out of network, that means that the client pays the therapist directly for services at the therapist’s regular fee. Out-of-Network providers often give clients a receipt so that they can file for partial reimbursement with their insurance company.
Is it difficult to find an In-Network therapist?
It is not unusual for therapists to limit the number of insurance patients in their practice, so it’s important to check in-network availability when you schedule your first appointment. In regions and times where therapy is in high demand it may take longer to get scheduled with an in-network therapist.
What is the difference between HMO and PPO insurance plans?
HMO health plans only cover in-network services, there is no reimbursement for out-of-network providers. PPO plans often cover both in- and out-of-network services, though the client may pay more for out-of-network services.
What is a Superbill?
A superbill is a receipt for therapy services. It provides all the information required by insurance companies to reimburse you for out-of-network services, including the diagnostic codes for your care, the amount paid, and the dates and duration of care.
Does insurance cover Online therapy?
Many therapists who shifted their practice to online therapy during the pandemic have kept that arrangement. And most insurers continue to cover telehealth services, with a few exceptions. Preventive care (such as an annual depression screening) is often required to be in-person to be covered, and some states require prescribers of controlled substances to see those patients in person.
Does insurance cover Group therapy?
Many insurance plans provide coverage for group therapy provided there is a medical diagnosis for group members, but there are some noteworthy exceptions. For example, Medicare does not always cover group therapy. Group therapy tends to cost less than individual therapy.
Does insurance cover Couples therapy?
Most insurance companies do not cover the cost of couples therapy because there is no medical diagnosis or medically necessary treatment. However, a few plans will offer a limited benefit, so it is still worth checking with your insurance company. Sometimes therapy is covered for a couple when one person has a diagnosis and another family member joins them for joint therapy, but it is considered therapy for the medical condition that includes a family member as a listener or helper, not couples counseling. Without insurance, most clients pay between $100-300 per 60-90 min session for couples therapy. Often clients can find classes or workshops that make it more affordable to work on their relationship. And some employers offer benefit plans that help defray the cost of couples therapy.
Learn more about Insurance Coverage and Finding Affordable Therapy
Learn more about Insurance Coverage and Finding Affordable Therapy