Aetna Therapists in Richmond, CA
![Photo of Noemi Almaraz, PPSC, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/3b43191c-807c-49d6-a952-1b6214d2896a/1/320x400.jpeg)
If you are struggling with anxiety, conflict in your relationships or depression, I can support you & offer a path forward to a better you. As a bilingual LCSW, my work focuses on targeting negative thoughts, identifying your thinking style, & exploring your communication habits. In a safe, non judgmental environment, we will work together utilizing cognitive behavioral tools to learn the necessary coping skills to building a better you. I believe in a strengths based approach as we collaborate together on your therapeutic journey.
If you are struggling with anxiety, conflict in your relationships or depression, I can support you & offer a path forward to a better you. As a bilingual LCSW, my work focuses on targeting negative thoughts, identifying your thinking style, & exploring your communication habits. In a safe, non judgmental environment, we will work together utilizing cognitive behavioral tools to learn the necessary coping skills to building a better you. I believe in a strengths based approach as we collaborate together on your therapeutic journey.
![Photo of Aysha Chemparathy - Bridge Hope Therapy, MFT, Marriage & Family Therapist](https://photos.psychologytoday.com/8aa49ceb-a08a-4a09-a07b-f28dd6224a43/4/320x400.jpeg)
Accepting New Clients. We all have different reasons for seeking assistance at various points in our lives. Perhaps you're looking for guidance or a new perspective. Maybe you're in a bad situation and don't know what to do. Whatever has brought you to this point of seeking support, please know that reaching out and asking for help takes tremendous courage. Finding new ways to deal with one's situation can be both illuminating and empowering.
Accepting New Clients. We all have different reasons for seeking assistance at various points in our lives. Perhaps you're looking for guidance or a new perspective. Maybe you're in a bad situation and don't know what to do. Whatever has brought you to this point of seeking support, please know that reaching out and asking for help takes tremendous courage. Finding new ways to deal with one's situation can be both illuminating and empowering.
![Photo of Bonnie Hegna, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/05521a70-2a14-427b-8c00-3d2a640c7fac/1/320x400.jpeg)
Hi, my name is Bonnie Hegna Licensed Marriage Family Therapist 143978. My approach to therapy is an eclectic approach short term. My focus of practice has been grief and loss, self-inflicted violent behavior, ADHD, Anger Management, Anxiety, Marriage Counseling, Behavioral issues, Divorce, Child Abuse, and Foster Youth as well as Victims of Crime. I am most comfortable working with children 5 to 10 and adults. I work well with behavioral issues, grief and loss, self-inflicted violent behavior, victims of crime, child abuse, divorce, ADHD, school issues, job issues, conflicts, and life changes.
Hi, my name is Bonnie Hegna Licensed Marriage Family Therapist 143978. My approach to therapy is an eclectic approach short term. My focus of practice has been grief and loss, self-inflicted violent behavior, ADHD, Anger Management, Anxiety, Marriage Counseling, Behavioral issues, Divorce, Child Abuse, and Foster Youth as well as Victims of Crime. I am most comfortable working with children 5 to 10 and adults. I work well with behavioral issues, grief and loss, self-inflicted violent behavior, victims of crime, child abuse, divorce, ADHD, school issues, job issues, conflicts, and life changes.
![Photo of Natalia Luna, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/a0d60b88-3179-4ef3-a951-0b7509ab6a3b/2/320x400.jpeg)
Hello, my name is Natalia Luna, and I am a Licensed Clinical Social Worker, (LCSW858979). My approach to treatment is client-centered and collaborative. I try to break complex things down into palatable and digestible material and work with you on your personal goals, reach and express new potential. One of the most profound things that I have learned while being a therapist, is that we are a lot more similar than we believe. We all struggle in different capacities, and we can learn, grow, and help one another. I believe therapy is about treating individuals on an energetic level.
Hello, my name is Natalia Luna, and I am a Licensed Clinical Social Worker, (LCSW858979). My approach to treatment is client-centered and collaborative. I try to break complex things down into palatable and digestible material and work with you on your personal goals, reach and express new potential. One of the most profound things that I have learned while being a therapist, is that we are a lot more similar than we believe. We all struggle in different capacities, and we can learn, grow, and help one another. I believe therapy is about treating individuals on an energetic level.
![Photo of Lucinda Guarino, LPCC](https://photos.psychologytoday.com/3a13967b-6dc1-4cca-be47-3d114b9b08e9/2/320x400.jpeg)
Hi, there, I'm Lucinda! My name is Lucinda Guarino, and I'm a Licensed Professional Clinical Counselor (LPCC) based in Southern California and working with clients statewide via telehealth. I work with women and men ages 14 and over and specialize in anxiety, life transitions, and emotional challenges. I use Humanistic/Existential Therapy, Narrative Therapy, and Cognitive Behavioral Therapy to help my clients progress and start feeling better. I'm also happy to work with clients who desire to meet with someone from a faith-based, Christian perspective.
Hi, there, I'm Lucinda! My name is Lucinda Guarino, and I'm a Licensed Professional Clinical Counselor (LPCC) based in Southern California and working with clients statewide via telehealth. I work with women and men ages 14 and over and specialize in anxiety, life transitions, and emotional challenges. I use Humanistic/Existential Therapy, Narrative Therapy, and Cognitive Behavioral Therapy to help my clients progress and start feeling better. I'm also happy to work with clients who desire to meet with someone from a faith-based, Christian perspective.
![Photo of Kanika Shelly - Jamaa Healing Collective Wellness Services, MA, LMFT, CIMHP, Marriage & Family Therapist](https://photos.psychologytoday.com/fd496e65-be7a-4578-813f-0fe36918d30b/1/320x400.jpeg)
Jamaa Healing Collective Wellness Services
Marriage & Family Therapist, MA, LMFT, CIMHP
Verified Verified
Richmond, CA 94801
Attention to all those seeking connection within a nurturing family community. Your journey begins here. Uncover the transformative power of forming or renewing bonds with your family, be it biological or chosen. I am dedicated to offering psychotherapy and healing services tailored for families and couples, including blended families, those navigating conflicts, and co-parenting challenges, as well as groups (specifically Transitional Age Youth aged 19-24). My mission is to guide individuals in cultivating wholesome, healthy, and functioning relationships with themselves and those around them.
Attention to all those seeking connection within a nurturing family community. Your journey begins here. Uncover the transformative power of forming or renewing bonds with your family, be it biological or chosen. I am dedicated to offering psychotherapy and healing services tailored for families and couples, including blended families, those navigating conflicts, and co-parenting challenges, as well as groups (specifically Transitional Age Youth aged 19-24). My mission is to guide individuals in cultivating wholesome, healthy, and functioning relationships with themselves and those around them.
![Photo of Nakia Linzie-Shavers, MSW, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/3cadf705-6937-4a8c-9226-84b25f0a54ff/1/320x400.jpeg)
“Life isn't about waiting for the storm to pass. It's about learning how to dance in the rain.” —Vivian Greene. There is one thing for certain, life will at times leave you feeling breathless and confused. How are you navigating through the issues of life that feel overwhelming? Do you feel like you are just surviving? Is just getting out of bed a struggle? You are making so much progress even reading this! Processing these life events can be the difference between striving and thriving. Let me help!
“Life isn't about waiting for the storm to pass. It's about learning how to dance in the rain.” —Vivian Greene. There is one thing for certain, life will at times leave you feeling breathless and confused. How are you navigating through the issues of life that feel overwhelming? Do you feel like you are just surviving? Is just getting out of bed a struggle? You are making so much progress even reading this! Processing these life events can be the difference between striving and thriving. Let me help!
![Photo of Nancy C Arvold, PhD, MFT, Marriage & Family Therapist](https://photos.psychologytoday.com/3c29f859-46cd-11ea-a6ad-06142c356176/3/320x400.jpeg)
Nancy C Arvold
Marriage & Family Therapist, PhD, MFT
Verified Verified
1 Endorsed
Richmond, CA 94801
I work particularly well with both men and women with emotional and life issues, childhood trauma, and gay and straight couples with communication and other difficulties. I help individuals with serious mental illness make positive changes in their lives,and work with their families. I work with addictions and the intersection with emotional issues, particularly using 12-step programs.
I work particularly well with both men and women with emotional and life issues, childhood trauma, and gay and straight couples with communication and other difficulties. I help individuals with serious mental illness make positive changes in their lives,and work with their families. I work with addictions and the intersection with emotional issues, particularly using 12-step programs.
![Photo of Nekia Turner, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/9fa775b6-cff2-4776-88af-eb6b1a411f46/1/320x400.jpeg)
Nekia Turner
Clinical Social Work/Therapist, LCSW
Verified Verified
Richmond, CA 94804 (Online Only)
Hello and welcome! My name is Nekia Turner, and I am a Licensed Clinical Social Worker, and I am so glad that you're here and exploring your mental health options. It would be an honor to walk alongside you on this journey. My approach to therapy is client-centered and focused on meeting you where you're at in life. I utilize several evidence-based therapies including Cognitive Behavioral Therapy (CBT), Dialectical Behavioral Therapy (DBT), Motivational Interviewing (MI), and Community Resiliency Model (CRM) for an array of diagnoses.
Hello and welcome! My name is Nekia Turner, and I am a Licensed Clinical Social Worker, and I am so glad that you're here and exploring your mental health options. It would be an honor to walk alongside you on this journey. My approach to therapy is client-centered and focused on meeting you where you're at in life. I utilize several evidence-based therapies including Cognitive Behavioral Therapy (CBT), Dialectical Behavioral Therapy (DBT), Motivational Interviewing (MI), and Community Resiliency Model (CRM) for an array of diagnoses.
![Photo of Nai Saechao, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/587a656a-af3f-4fe4-93fe-321d1ec9abb6/1/320x400.png)
Hi there, my name is Nai Saechao, and I am a licensed clinical social worker who is passionate about supporting all my clients through challenges to experience healing and growth in their lives. My approach is client centered. I will meet you with empathy, open-mindedness, and unconditional positive regard. I believe in working collaboratively to identify treatment priorities and to create a safe space for dialogue. I have found that my style and approach are a good fit for young adults and persons of various generational groups who may be dealing with the challenges of life transitions, adjustments, and social pressures.
Hi there, my name is Nai Saechao, and I am a licensed clinical social worker who is passionate about supporting all my clients through challenges to experience healing and growth in their lives. My approach is client centered. I will meet you with empathy, open-mindedness, and unconditional positive regard. I believe in working collaboratively to identify treatment priorities and to create a safe space for dialogue. I have found that my style and approach are a good fit for young adults and persons of various generational groups who may be dealing with the challenges of life transitions, adjustments, and social pressures.
![Photo of Aaron Rohrer, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/0aa47911-ea2f-4a5b-920e-09b51535184e/1/320x400.jpeg)
Aaron Rohrer
Clinical Social Work/Therapist, LCSW
Verified Verified
6 Endorsed
Richmond, CA 94804 (Online Only)
Tired of therapists making assumptions about you? Judging you for your substance use or other life choices? You are in the right place! These sessions are for you - and need to cater to your unique circumstances, history, and the journey you have taken thus far. I specialize in supporting people who are seeking to address their relationship with substances, cope with issues surrounding ADHD, improve their ability to coping with anxiety/burnout, repair and address challenges in ruptured relationships, and find new balance in their lives.
Tired of therapists making assumptions about you? Judging you for your substance use or other life choices? You are in the right place! These sessions are for you - and need to cater to your unique circumstances, history, and the journey you have taken thus far. I specialize in supporting people who are seeking to address their relationship with substances, cope with issues surrounding ADHD, improve their ability to coping with anxiety/burnout, repair and address challenges in ruptured relationships, and find new balance in their lives.
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![Photo of Raquel Castellanos Miller - Raquel Castellanos Miller, MSW, LCSW, MSW, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/486c5fbd-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
Raquel Castellanos Miller, MSW, LCSW
Clinical Social Work/Therapist, MSW, LCSW
Verified Verified
Richmond, CA 94801 (Online Only)
Utilizing a trauma informed approach, I work to build a safe therapeutic relationship with you, in order to address the underlying question of "What happened to you?," rather than "What's wrong with you?" Understanding that depression, anxiety and other mental health challenges stem from complex and myriad issues, including systemic social issues related to racism and oppression, family of origin issues, and the impact of trauma and adverse life experiences. My goal is to assist you to utilize life's adversities to discover and cultivate your inner strength and resilience, in service of your lifelong journey of growth and healing.
Utilizing a trauma informed approach, I work to build a safe therapeutic relationship with you, in order to address the underlying question of "What happened to you?," rather than "What's wrong with you?" Understanding that depression, anxiety and other mental health challenges stem from complex and myriad issues, including systemic social issues related to racism and oppression, family of origin issues, and the impact of trauma and adverse life experiences. My goal is to assist you to utilize life's adversities to discover and cultivate your inner strength and resilience, in service of your lifelong journey of growth and healing.
![Photo of Sarah De La Cerda, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/e8a52c7e-113b-4cd8-96c4-a0a959867534/2/320x400.jpeg)
Sarah De La Cerda
Clinical Social Work/Therapist, LCSW
Verified Verified
1 Endorsed
Richmond, CA 94801 (Online Only)
The hardest part of finding support is often taking the first step - especially when we are overwhelmed. My experience is working with diverse populations including Latina/o/x, Chicana/o/x, Black, Indigenous, People of Color (BIPOC) and members of the LGBTQIA+ community. I have supported people with various issues including, with anxiety, depression, caregiver stress, relational issues, social/racial identity, dealing with health conditions, struggling with sleep, the elderly, peripartum and postpartum parents, healthcare workers experiencing burnout. I am passionate about helping individuals transition from thriving to surviving.
The hardest part of finding support is often taking the first step - especially when we are overwhelmed. My experience is working with diverse populations including Latina/o/x, Chicana/o/x, Black, Indigenous, People of Color (BIPOC) and members of the LGBTQIA+ community. I have supported people with various issues including, with anxiety, depression, caregiver stress, relational issues, social/racial identity, dealing with health conditions, struggling with sleep, the elderly, peripartum and postpartum parents, healthcare workers experiencing burnout. I am passionate about helping individuals transition from thriving to surviving.
![Photo of Kimberly G Latigue, LCSW, CPA, Clinical Social Work/Therapist](https://photos.psychologytoday.com/382b6b6e-74df-44e2-9980-8eb6be5b67bb/2/320x400.jpeg)
Kimberly G Latigue
Clinical Social Work/Therapist, LCSW, CPA
Verified Verified
1 Endorsed
Richmond, CA 94801 (Online Only)
Welcome! Despite your educational, career or financial successes, does your past trauma keep a part of you from truly feeling joy from all of it? Maybe you attempt to find that joy through different experiences and/or relationships but the old feelings continue to come back suddenly, possibly causing you to experience periods of self-doubt, low confidence, anxiety, and/or depression? I specialize in the areas of inner child healing, improved confidence, self-esteem and self-worth, which ultimately leads to your ability to fully love yourself and others. I assure you that experiencing the fullness of joy that you desire is possible.
Welcome! Despite your educational, career or financial successes, does your past trauma keep a part of you from truly feeling joy from all of it? Maybe you attempt to find that joy through different experiences and/or relationships but the old feelings continue to come back suddenly, possibly causing you to experience periods of self-doubt, low confidence, anxiety, and/or depression? I specialize in the areas of inner child healing, improved confidence, self-esteem and self-worth, which ultimately leads to your ability to fully love yourself and others. I assure you that experiencing the fullness of joy that you desire is possible.
![Photo of Gertrude Bonincontro, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/e3236083-604e-496e-807e-d210baa2e2c0/2/320x400.png)
My name is Gertrude (Trudy) Bonincontro and I am a Licensed Marriage and Family Therapist (LMFT) and a Doctorate in Counseling Psychology providing telehealth to adults in Northern California. I work with adults who are grieving the loss of their beloved one by having their grief witnessed. Grief is not something you get over, though, under, or around. Grief becomes a part of your life. I am a certified Grief Therapist and utilize Cognitive Behavior Therapy (CBT) and Narrative concepts to assist with managing grief symptoms of depression, anxiety, and anger.
My name is Gertrude (Trudy) Bonincontro and I am a Licensed Marriage and Family Therapist (LMFT) and a Doctorate in Counseling Psychology providing telehealth to adults in Northern California. I work with adults who are grieving the loss of their beloved one by having their grief witnessed. Grief is not something you get over, though, under, or around. Grief becomes a part of your life. I am a certified Grief Therapist and utilize Cognitive Behavior Therapy (CBT) and Narrative concepts to assist with managing grief symptoms of depression, anxiety, and anger.
![Photo of Audrey Ramos, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/76ab30e0-5ff1-4b2f-9faf-fe19342fef67/2/320x400.jpeg)
My name is Audrey Ramos and I am a Licensed Clinical Social Worker in the state of California. My approach is Strength Based, but also challenging. I am skilled in Seeking Safety, CBT techniques, Solution Focused and Motivational Interviewing. I enjoy establishing rapport with my clients and building on working, trusting, supportive environment to help my clients heal and grow. I practice reflective listening and help client's process difficult emotions to help them build empathy for themselves to move toward a place of progress, growth and an increase in overall functioning.
My name is Audrey Ramos and I am a Licensed Clinical Social Worker in the state of California. My approach is Strength Based, but also challenging. I am skilled in Seeking Safety, CBT techniques, Solution Focused and Motivational Interviewing. I enjoy establishing rapport with my clients and building on working, trusting, supportive environment to help my clients heal and grow. I practice reflective listening and help client's process difficult emotions to help them build empathy for themselves to move toward a place of progress, growth and an increase in overall functioning.
![Photo of Larry Yavorsky - Larry Yavorsky Therapy & Relationship Enhancement, LMFT, RN, MA, Marriage & Family Therapist](https://photos.psychologytoday.com/426930c9-46cd-11ea-a6ad-06142c356176/4/320x400.jpeg)
Larry Yavorsky Therapy & Relationship Enhancement
Marriage & Family Therapist, LMFT, RN, MA
Verified Verified
Richmond, CA 94806
You can be happier, healthier & find life more fulfilling, by engaging in therapy with Larry Yavorsky. I am LMFT and RN with 40 years of experience in the areas of enhancing individual, sexual, and relationship health and satisfaction. I invite you to call me at (510) 401-3935 for free phone consultation. My passion is to help clients explore and understand themselves, to become free of troubling symptoms and of relationship distress. Using methods which promote emotional, mental, and physical awareness and health, I have had success in treating a wide range of issues such as depression, anxiety,PTSD, relationship/sexual distress.
You can be happier, healthier & find life more fulfilling, by engaging in therapy with Larry Yavorsky. I am LMFT and RN with 40 years of experience in the areas of enhancing individual, sexual, and relationship health and satisfaction. I invite you to call me at (510) 401-3935 for free phone consultation. My passion is to help clients explore and understand themselves, to become free of troubling symptoms and of relationship distress. Using methods which promote emotional, mental, and physical awareness and health, I have had success in treating a wide range of issues such as depression, anxiety,PTSD, relationship/sexual distress.
![Photo of Shawn Sinclair, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/fb04c2e0-9325-43c2-befb-7a24d498bc30/1/320x400.png)
Dedicating much of my clinical work to helping adolescents, young adults, adults, and families, I have experience providing individual therapy for all ages and groups, including pre-marital work. I assist clients coping with stress, anxiety, depression, abuse, trauma, marital and relationship issues, loss, eating disorders, oppositional behavior, life-skills work, adoptions/foster care, parenting issues, sexual identification struggles, and any life changes. I am passionate about helping my clients turn difficult experiences into opportunities for growth. I understand that stressful situations can be overwhelming.
Dedicating much of my clinical work to helping adolescents, young adults, adults, and families, I have experience providing individual therapy for all ages and groups, including pre-marital work. I assist clients coping with stress, anxiety, depression, abuse, trauma, marital and relationship issues, loss, eating disorders, oppositional behavior, life-skills work, adoptions/foster care, parenting issues, sexual identification struggles, and any life changes. I am passionate about helping my clients turn difficult experiences into opportunities for growth. I understand that stressful situations can be overwhelming.
![Photo of Cindy Cothran, LPCC](https://photos.psychologytoday.com/e34c0312-78ba-437f-aa14-fad0ccb297cb/1/320x400.jpeg)
My name is Cindy Cothran and I am a Licensed Professional Clinical Counselor (LPCC 13358) based in the Central Coast of California, working with clients statewide via telehealth. I presently work with older adolescents and all ages of adults. I specialize in anxiety, depression, trauma, stress, and GLBTQ-related concerns. I utilize a variety of evidence-based approaches guided by the comfort level of the person I am working with. I find that I am comfortable working with many types of people and every age group. I enjoy working with the LGBTQIA community and I am polyamory and kink-affirming.
My name is Cindy Cothran and I am a Licensed Professional Clinical Counselor (LPCC 13358) based in the Central Coast of California, working with clients statewide via telehealth. I presently work with older adolescents and all ages of adults. I specialize in anxiety, depression, trauma, stress, and GLBTQ-related concerns. I utilize a variety of evidence-based approaches guided by the comfort level of the person I am working with. I find that I am comfortable working with many types of people and every age group. I enjoy working with the LGBTQIA community and I am polyamory and kink-affirming.
![Photo of Brid Power, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/e6bb55b0-5dbf-4f6f-b5f7-a941389658fc/1/320x400.jpeg)
My name is Brid Power, and I am a Licensed Clinical Social Worker (LCSW) living in Chico, California, and working with clients throughout the state. I work with adults and specialize in supporting clients as they navigate anxiety, depression, grief and loss, and a myriad of life transitions, stressors, and traumas. I utilize a strength-based approach to assist you in getting to where you would like to be. I utilize a combination of therapies including but not limited to cognitive behavioral therapy, mindfulness, and solution-focused therapy.
My name is Brid Power, and I am a Licensed Clinical Social Worker (LCSW) living in Chico, California, and working with clients throughout the state. I work with adults and specialize in supporting clients as they navigate anxiety, depression, grief and loss, and a myriad of life transitions, stressors, and traumas. I utilize a strength-based approach to assist you in getting to where you would like to be. I utilize a combination of therapies including but not limited to cognitive behavioral therapy, mindfulness, and solution-focused therapy.
See more therapy options for Richmond
Nearby Aetna Therapists Searches for Richmond
- Albany
- Berkeley
- Corte Madera
- El Cerrito
- Emeryville
- Hercules
- Larkspur
- Orinda
- Piedmont
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- San Pablo
- Sausalito
Aetna 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 Employee Assistance Plans that help defray the cost of couples therapy.
What is an Employee Assistance Plan (EAP)?
Employee Assistance Plans are purchased by employers for the benefit of their employees. EAPs typically assist employees with referrals and may also provide the first few sessions of therapy free of charge, with the patient's regular health insurance kicking in after those initial sessions. EAP benefits often apply to all types of therapy without the need for a medical diagnosis, making it easier to access couples therapy, therapy for life transitions, and other non-medical counseling. Just as with standard health insurance, clients should always check that a provider accepts their EAP benefits before scheduling.
Learn more about Insurance Coverage and Finding Affordable Therapy
Learn more about Insurance Coverage and Finding Affordable Therapy