BlueCross BlueShield Therapists in Saint Johns, FL
![Photo of Beth Hubbard, NCC, Pre-Licensed Professional](https://photos.psychologytoday.com/8447f8d8-6b41-4926-8b4e-57740a49c988/1/320x400.jpeg)
Beth Is a Mental Health Counselor dedicated to working with individuals, couples, families, children, adolescents, and teens in therapy. She is a systemic therapist that utilizes a multi-model approach to create an environment that embraces the unique circumstances and needs of the individual. Beth is passionate about creating a strong therapeutic alliance and creating a safe space for her clients to feel empowered and embrace their authenticity. Beth utilizes an integrated approach of evidence-based practices such as CBT, solution focused, mindfulness, and systemic therapy approaches.
Beth Is a Mental Health Counselor dedicated to working with individuals, couples, families, children, adolescents, and teens in therapy. She is a systemic therapist that utilizes a multi-model approach to create an environment that embraces the unique circumstances and needs of the individual. Beth is passionate about creating a strong therapeutic alliance and creating a safe space for her clients to feel empowered and embrace their authenticity. Beth utilizes an integrated approach of evidence-based practices such as CBT, solution focused, mindfulness, and systemic therapy approaches.
![Photo of Sarah Bauer, LMFT, CCTP, CBT, CEAP, Marriage & Family Therapist](https://photos.psychologytoday.com/bcc91256-4522-4608-916a-6a13c19475dc/2/320x400.jpeg)
Sarah Bauer
Marriage & Family Therapist, LMFT, CCTP, CBT, CEAP
Verified Verified
Saint Johns, FL 32259
Waitlist for new clients
Sarah Bauer, LMFT, CBT, CCTP, CEAP is a licensed marriage and family therapist dedicated to working with couples, family, and individuals in therapy. She is a systemic and integrative therapist that utilizes various approaches such as cognitive behavioral, solution focused and mindfulness practices to create an individualized approach for each client. Sarah is passionate about providing a safe space where clients can feel empowered, confident, and validated. She believes that trauma does not have to be a common fixture in our lives and through the therapeutic process, growth and healing is possible.
Sarah Bauer, LMFT, CBT, CCTP, CEAP is a licensed marriage and family therapist dedicated to working with couples, family, and individuals in therapy. She is a systemic and integrative therapist that utilizes various approaches such as cognitive behavioral, solution focused and mindfulness practices to create an individualized approach for each client. Sarah is passionate about providing a safe space where clients can feel empowered, confident, and validated. She believes that trauma does not have to be a common fixture in our lives and through the therapeutic process, growth and healing is possible.
![Photo of Alicia Kiernan, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/0e13b14d-3e8e-4dfe-8b8f-3e5910947b78/2/320x400.jpeg)
Alicia Kiernan
Clinical Social Work/Therapist, LCSW
Verified Verified
1 Endorsed
Saint Johns, FL 32259 (Online Only)
Sometimes it just takes one conversation to start recognizing unhealthy patterns that are holding us back from achieving our goals. Once we get to the root causes of our discontent, we can begin the real work to create positive change. Whether you're struggling with anxiety, depression, substance abuse, trauma, dysfunctional family patterns, marital stressors, or welcoming a new child- you are resilient and capable of creating the life you want. Contentment is possible if we are open to doing the work. Unfortunately, many of us lack the necessary support we need to be successful in this process.
Sometimes it just takes one conversation to start recognizing unhealthy patterns that are holding us back from achieving our goals. Once we get to the root causes of our discontent, we can begin the real work to create positive change. Whether you're struggling with anxiety, depression, substance abuse, trauma, dysfunctional family patterns, marital stressors, or welcoming a new child- you are resilient and capable of creating the life you want. Contentment is possible if we are open to doing the work. Unfortunately, many of us lack the necessary support we need to be successful in this process.
![Photo of Monica Khan, LSW](https://photos.psychologytoday.com/339842c4-5ceb-4419-954c-4333bece77ba/1/320x400.jpeg)
I am here to provide a safe space and empathetic support for you, your child or your teen. Preteens and adolescents are wildly resilient and with nurturing empowerment and trust, they will thrive. You or your child may be struggling with worries, fear, and deep sadness. You, as a parent, want them to feel calm in their mind and body and for them to stop being so hard on themselves. Preteens and teens with these difficulties can also be battling panic attacks, bouts of anger and anxiety, and lack of will to even get out of bed in the morning.
I am here to provide a safe space and empathetic support for you, your child or your teen. Preteens and adolescents are wildly resilient and with nurturing empowerment and trust, they will thrive. You or your child may be struggling with worries, fear, and deep sadness. You, as a parent, want them to feel calm in their mind and body and for them to stop being so hard on themselves. Preteens and teens with these difficulties can also be battling panic attacks, bouts of anger and anxiety, and lack of will to even get out of bed in the morning.
![Photo of Marsha Hicks (Richards), LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/e245be07-6963-49e2-8238-557045237043/3/320x400.jpeg)
Marsha Hicks (Richards)
Clinical Social Work/Therapist, LCSW
Verified Verified
Saint Johns, FL 32259 (Online Only)
ONLY VIDEO & PHONE SESSIONS PROVIDED* Visit website to make appointment. Do you find yourself over thinking, over-reacting, procrastinating and or second guessing yourself? Has your inner critic taken control of your thought patterns making it difficult for you to live your very best life? Beginning therapy means different things to different people, but it is often an action of courage, self-care, and self-determination. I will provide you with a safe, non-judgmental space to process and work through unhealed emotional wounds so that you can experience mental wellness and feelings of connectedness to yourself and with others.
ONLY VIDEO & PHONE SESSIONS PROVIDED* Visit website to make appointment. Do you find yourself over thinking, over-reacting, procrastinating and or second guessing yourself? Has your inner critic taken control of your thought patterns making it difficult for you to live your very best life? Beginning therapy means different things to different people, but it is often an action of courage, self-care, and self-determination. I will provide you with a safe, non-judgmental space to process and work through unhealed emotional wounds so that you can experience mental wellness and feelings of connectedness to yourself and with others.
![Photo of Maria De Los Milagros Lester, R, M, H, C, I](https://photos.psychologytoday.com/2e80f1c0-d9c0-4674-aa4a-70792eb2d5f5/1/320x400.jpeg)
I am a Christian a mother of 5 and a veteran. My goal is to meet you where you are at this place and time. Identify your need and hear your needs while working together to establish , ( What Will Work for You) strategies. I am bilingual in Spanish. My Specialties are Solution focused therapy, Congnitive behavioral therapy, REBT, Christian counseling (Prayer). I hope to be able to assist you in your time of need.
I am a Christian a mother of 5 and a veteran. My goal is to meet you where you are at this place and time. Identify your need and hear your needs while working together to establish , ( What Will Work for You) strategies. I am bilingual in Spanish. My Specialties are Solution focused therapy, Congnitive behavioral therapy, REBT, Christian counseling (Prayer). I hope to be able to assist you in your time of need.
![Photo of Dr. Fonda E Mosal, DMFT, LMHC-QS, LMFT, NCC, CMCC, Counselor](https://photos.psychologytoday.com/4ccf0478-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
Dr. Fonda E Mosal
Counselor, DMFT, LMHC-QS, LMFT, NCC, CMCC
Verified Verified
2 Endorsed
Saint Johns, FL 32259 (Online Only)
Thank you for considering me to work as your therapist. I’d like to work collaboratively with you to assist in getting your life in harmony. I am a licensed Mental Health Counselor, Marriage and Family Therapist in the state of Florida and a National Certified Counselor. I hold a doctorate degree in Marriage and Family Therapy and a Master’s degree in Clinical Mental Health Counseling. Along with my formal educational training, I have 20 years of experience as a military officer with leadership, mentorship and counseling proficiency. My practice includes adolescents and adults, individual, couples and family therapy.
Thank you for considering me to work as your therapist. I’d like to work collaboratively with you to assist in getting your life in harmony. I am a licensed Mental Health Counselor, Marriage and Family Therapist in the state of Florida and a National Certified Counselor. I hold a doctorate degree in Marriage and Family Therapy and a Master’s degree in Clinical Mental Health Counseling. Along with my formal educational training, I have 20 years of experience as a military officer with leadership, mentorship and counseling proficiency. My practice includes adolescents and adults, individual, couples and family therapy.
![Photo of Rosa Roberts, PhD, RMHCI](https://photos.psychologytoday.com/3355e3b4-cf4c-4226-b221-7d3cd94e12bd/1/320x400.png)
Rosa Roberts
Registered Mental Health Counselor Intern, PhD, RMHCI
Verified Verified
Saint Johns, FL 32259
Rosa is a dedicated Mental Health Therapist, committed to providing compassionate care to her clients. Rosa brings a wealth of experience and expertise to her role. Rosa is currently pursuing her doctoral degree in Human and Organizational Psychology. Rosa employs a therapeutic approach grounded in Cognitive Behavioral Therapy (CBT) and Person-Centered techniques. Specializing in treating Anxiety, Depression, Stress, PTSD, and other mental health concerns, she is passionate about helping individuals navigate life's challenges. Rosa is dedicated to making a positive impact in the lives of her clients and the community at large.
Rosa is a dedicated Mental Health Therapist, committed to providing compassionate care to her clients. Rosa brings a wealth of experience and expertise to her role. Rosa is currently pursuing her doctoral degree in Human and Organizational Psychology. Rosa employs a therapeutic approach grounded in Cognitive Behavioral Therapy (CBT) and Person-Centered techniques. Specializing in treating Anxiety, Depression, Stress, PTSD, and other mental health concerns, she is passionate about helping individuals navigate life's challenges. Rosa is dedicated to making a positive impact in the lives of her clients and the community at large.
![Photo of Sarah Bauer - And Then There is You Psychotherapy, LMFT, LMHC, LCSW, Marriage & Family Therapist](https://photos.psychologytoday.com/89dc4507-3817-4716-8ccd-e93f3df1e0e8/1/320x400.png)
And Then There is You Psychotherapy
Marriage & Family Therapist, LMFT, LMHC, LCSW
Verified Verified
Saint Johns, FL 32259
Counseling can lessen the burden of your daily struggles and foster a healthy life. At And Then There is You Psychotherapy, our experienced therapists are passionate about providing a safe space where clients can feel empowered, confident, and validated. Our therapists utilize various approaches such as cognitive behavioral, solution focused and mindfulness practices to create an individualized approach for each client. We recognize the tremendous impact that cultural, societal, and familial environments have in our everyday lives.
Counseling can lessen the burden of your daily struggles and foster a healthy life. At And Then There is You Psychotherapy, our experienced therapists are passionate about providing a safe space where clients can feel empowered, confident, and validated. Our therapists utilize various approaches such as cognitive behavioral, solution focused and mindfulness practices to create an individualized approach for each client. We recognize the tremendous impact that cultural, societal, and familial environments have in our everyday lives.
![Photo of Justin Dement, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/46c673c6-46cd-11ea-a6ad-06142c356176/3/320x400.jpeg)
Justin Dement
Clinical Social Work/Therapist, LCSW
Verified Verified
1 Endorsed
Saint Johns, FL 32259
As a therapist, I strive to help my clients find healthy, balanced lives. No matter their background, I invest in my clients' well-being, partnering with them through open, non-judgmental counseling. I empower my clients by helping them understand that self-acceptance, self-care and ultimately, self-love are the greatest gifts we can give ourselves.
As a therapist, I strive to help my clients find healthy, balanced lives. No matter their background, I invest in my clients' well-being, partnering with them through open, non-judgmental counseling. I empower my clients by helping them understand that self-acceptance, self-care and ultimately, self-love are the greatest gifts we can give ourselves.
![Photo of Richard E. Nay, PhD, Psychologist](https://photos.psychologytoday.com/4089608b-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
I have worked extensively with both individual clients, as well as couples. I specialize in helping clients with the following issues: affective disorders (e.g., depression), anxiety problems, and marital issues. I frequently work with helping clients to rapidly resolve trauma issues, including childhood abuse. I also work with with stress issues, health psychology, and sleep problems. The full range of psychological testing, including intelligence and personality testing, is also available. Many of my clients are self-pay (to avoid insurance hassles), but I do accept Medicare, Tricare, and some PPO plans.
I have worked extensively with both individual clients, as well as couples. I specialize in helping clients with the following issues: affective disorders (e.g., depression), anxiety problems, and marital issues. I frequently work with helping clients to rapidly resolve trauma issues, including childhood abuse. I also work with with stress issues, health psychology, and sleep problems. The full range of psychological testing, including intelligence and personality testing, is also available. Many of my clients are self-pay (to avoid insurance hassles), but I do accept Medicare, Tricare, and some PPO plans.
![Photo of Scott Mosher, MA, LMHC](https://photos.psychologytoday.com/3c8aa41e-46cd-11ea-a6ad-06142c356176/3/320x400.jpeg)
Feeling anxious, depressed or paralyzed by trauma? Troubled by a loved one's addiction or abusive/controlling behavior? Apprehensive about a life change or immobilized by grief? My length and diversity of experience affords me the ability to tailor an approach to help you effectively accomplish your therapy goals. My tenure in hospital settings has given me a strong knowledge base and mentorship from several talented physicians. Parenthood provides me with insight into family dynamics and challenges.
Feeling anxious, depressed or paralyzed by trauma? Troubled by a loved one's addiction or abusive/controlling behavior? Apprehensive about a life change or immobilized by grief? My length and diversity of experience affords me the ability to tailor an approach to help you effectively accomplish your therapy goals. My tenure in hospital settings has given me a strong knowledge base and mentorship from several talented physicians. Parenthood provides me with insight into family dynamics and challenges.
![Photo of Mandarin Counseling - Mandarin Counseling & Wellness, LCSW, LMHC, RMHI, PhD, LMFT](https://photos.psychologytoday.com/464173d0-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
Mandarin Counseling & Wellness
Licensed Mental Health Counselor, LCSW, LMHC, RMHI, PhD, LMFT
Verified Verified
Saint Johns, FL 32259
Mandarin Counseling is a group practice consisting of licensed social workers, licensed mental health clinicians, PhDs, and licensed marriage and family therapists. We are dedicated to providing quality, professional and compassionate mental health services. We offer a variety of treatment modalities including cognitive behavioral therapy, family systems, play therapy, psychological testing, couples counseling, dialectical behavior therapy, solution focused and behavioral therapy. Please contact our office for more information.
Mandarin Counseling is a group practice consisting of licensed social workers, licensed mental health clinicians, PhDs, and licensed marriage and family therapists. We are dedicated to providing quality, professional and compassionate mental health services. We offer a variety of treatment modalities including cognitive behavioral therapy, family systems, play therapy, psychological testing, couples counseling, dialectical behavior therapy, solution focused and behavioral therapy. Please contact our office for more information.
![Photo of Connie N Dibagio, MEd, LMHC, LCS, Counselor](https://photos.psychologytoday.com/33a86d34-3750-496a-849a-1e17b5d0a173/2/320x400.jpeg)
Connie N Dibagio
Counselor, MEd, LMHC, LCS
Verified Verified
Saint Johns, FL 32259
Waitlist for new clients
As a therapist, I work in a partnership with my clients to create a safe, confidential, and non-judgmental environment. I have 20 years of experience working with children, adolescents, and families in various settings. I believe that the therapeutic relationship is paramount for growth and change, and you will know within the first session whether I am the right therapist for you. Over the years, I have developed ways of addressing the past while focusing on the present day, and I have training and experience working with clients from childhood to adulthood. Confidentiality is assured.
As a therapist, I work in a partnership with my clients to create a safe, confidential, and non-judgmental environment. I have 20 years of experience working with children, adolescents, and families in various settings. I believe that the therapeutic relationship is paramount for growth and change, and you will know within the first session whether I am the right therapist for you. Over the years, I have developed ways of addressing the past while focusing on the present day, and I have training and experience working with clients from childhood to adulthood. Confidentiality is assured.
![Photo of Amanda Payne, LMHC, NCC, CST, Counselor](https://photos.psychologytoday.com/4516bddb-46cd-11ea-a6ad-06142c356176/3/320x400.jpeg)
Amanda Payne
Counselor, LMHC, NCC, CST
Verified Verified
5 Endorsed
Saint Johns, FL 32259
Waitlist for new clients
I am a Licensed Mental Health Counselor and Certified Sex Therapist in Florida, and have worked in social services for over 20 years serving populations such as: at-risk youth, domestic violence survivors, couples, first responders, and veterans. In my private practice, I use mostly mindfulness and cognitive behavioral approaches including EMDR to treat Post Traumatic Stress, anxiety, sexual functioning, and relational problems. I am also a Certified Daring Way Facilitator. This is an intervention that aims to help people around concerns connected to vulnerability, shame, and courage.
I am a Licensed Mental Health Counselor and Certified Sex Therapist in Florida, and have worked in social services for over 20 years serving populations such as: at-risk youth, domestic violence survivors, couples, first responders, and veterans. In my private practice, I use mostly mindfulness and cognitive behavioral approaches including EMDR to treat Post Traumatic Stress, anxiety, sexual functioning, and relational problems. I am also a Certified Daring Way Facilitator. This is an intervention that aims to help people around concerns connected to vulnerability, shame, and courage.
![Photo of Verlon Brickey, PhD, LMHC, CAP, Counselor](https://photos.psychologytoday.com/3bd5ba7d-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
I specialize in working with those who have become "disconnected" from life. The reasons for this disconnection can be anything from depression, life trauma, anxiety, addictions, to just feeling "stuck". If you are willing to work--because you know that therapy depends on a collaboration and the use of new tools--then you are a good candidate for life-changing therapy or coaching. You clearly have the courage to seek relief and guidance--you're here! Prepare now for the journey of your life. I look forward to joining together with you to find solutions for the issues you are facing.
I specialize in working with those who have become "disconnected" from life. The reasons for this disconnection can be anything from depression, life trauma, anxiety, addictions, to just feeling "stuck". If you are willing to work--because you know that therapy depends on a collaboration and the use of new tools--then you are a good candidate for life-changing therapy or coaching. You clearly have the courage to seek relief and guidance--you're here! Prepare now for the journey of your life. I look forward to joining together with you to find solutions for the issues you are facing.
![Photo of Karly Stuart Shreders - Shreders and Associates, PLLC, MA, LMHC, Counselor](https://photos.psychologytoday.com/f1b73bdb-9935-4a0a-bea4-cce125cd806b/1/320x400.jpeg)
Shreders and Associates, PLLC
Counselor, MA, LMHC
Verified Verified
2 Endorsed
Saint Johns, FL 32259
I believe an individualized treatment plan tailored to meet the specific needs of each client. I specialize in depression, anxiety, obsessive compulsive disorder, trauma, post-traumatic stress disorder, relationship issues, self-esteem, peer relationships, anger management, codependency, coping skills, eating disorders, grief, women’s issues, children, family conflict, gender identity, gender dysphoria, and military families. My belief is that therapy should be a positive experience of growth for each individual and I encourage clients to collaborate with me as treatment progresses.
I believe an individualized treatment plan tailored to meet the specific needs of each client. I specialize in depression, anxiety, obsessive compulsive disorder, trauma, post-traumatic stress disorder, relationship issues, self-esteem, peer relationships, anger management, codependency, coping skills, eating disorders, grief, women’s issues, children, family conflict, gender identity, gender dysphoria, and military families. My belief is that therapy should be a positive experience of growth for each individual and I encourage clients to collaborate with me as treatment progresses.
![Photo of Adrienne Leigh Desantis King - Beacon Pediatric Behavioral Health, PhD, BCBA, Psychologist](https://photos.psychologytoday.com/d46040ad-a5ac-4455-b318-43de4caf6f52/1/320x400.jpeg)
The directors of Beacon Pediatric Behavioral Health (BPBH), Dr. Adrienne DeSantis King, and Dr. Paras Nabizadeh, welcome you! BPBH has a team of Psychologists, Therapists, and Behavior Analysts, with speech, PT, and OT services provided by our partner agency on site! We specialize in evaluating and treating Autism Spectrum Disorders, ADHD, Oppositional Defiant Disorder, and disruptive behavior concerns, as well as anxiety, depression, mood dysregulation, adjustment problems, and/or learning difficulties for children 18 mo-18 yrs of age. The FASTEST way to get started is to complete the new client inquiry at WWW.BeaconPediatric.com!
The directors of Beacon Pediatric Behavioral Health (BPBH), Dr. Adrienne DeSantis King, and Dr. Paras Nabizadeh, welcome you! BPBH has a team of Psychologists, Therapists, and Behavior Analysts, with speech, PT, and OT services provided by our partner agency on site! We specialize in evaluating and treating Autism Spectrum Disorders, ADHD, Oppositional Defiant Disorder, and disruptive behavior concerns, as well as anxiety, depression, mood dysregulation, adjustment problems, and/or learning difficulties for children 18 mo-18 yrs of age. The FASTEST way to get started is to complete the new client inquiry at WWW.BeaconPediatric.com!
![Photo of Adam Norman Tharkur, LMHC, NCC, MCAP, CHT, QS(FL), Counselor](https://photos.psychologytoday.com/4213d8fe-f296-4519-82d5-1302d1ab1575/1/320x400.jpeg)
Adam Norman Tharkur
Counselor, LMHC, NCC, MCAP, CHT, QS(FL)
Verified Verified
2 Endorsed
Saint Johns, FL 32259
I believe that everyone deserves an environment where they feel comfortable enough to discuss their beliefs and feelings without judgment. I apply several theoretical orientations such as, but not limited to Cognitive Behavioral Therapy and Family Systems Theory in my practice to best meet my clients' individual needs. I work on building a strong therapeutic relationship using empathy and non-judgmental, goal-oriented approaches which assist client's treatment outcome.
I believe that everyone deserves an environment where they feel comfortable enough to discuss their beliefs and feelings without judgment. I apply several theoretical orientations such as, but not limited to Cognitive Behavioral Therapy and Family Systems Theory in my practice to best meet my clients' individual needs. I work on building a strong therapeutic relationship using empathy and non-judgmental, goal-oriented approaches which assist client's treatment outcome.
![Photo of Brian Morgan, LMHC](https://photos.psychologytoday.com/3a6acf16-5cff-434e-8202-18bb72d0d04f/2/320x400.jpeg)
Brian Morgan
Licensed Mental Health Counselor, LMHC
Verified Verified
Saint Johns, FL 32259 (Online Only)
Hello, I'm Brian. My name is Brian Morgan I am a Licensed Mental Counselor based out of Brooker, Florida, and I am working with clients statewide via telehealth. I am a dedicated and compassionate counselor specializing in trauma, addictions, depression, anxiety, and stress, using Trauma-Informed Care, Cognitive Behavioral Therapy, Dialectical Behavior therapy, and Acceptance and Commitment Therapy to ignite their inner spark and empower them to rise up from their challenges.
Hello, I'm Brian. My name is Brian Morgan I am a Licensed Mental Counselor based out of Brooker, Florida, and I am working with clients statewide via telehealth. I am a dedicated and compassionate counselor specializing in trauma, addictions, depression, anxiety, and stress, using Trauma-Informed Care, Cognitive Behavioral Therapy, Dialectical Behavior therapy, and Acceptance and Commitment Therapy to ignite their inner spark and empower them to rise up from their challenges.
See more therapy options for Saint Johns
Nearby BlueCross BlueShield Therapists Searches for Saint Johns
- Atlantic Beach
- Fleming Island
- Fruit Cove
- Green Cove Springs
- Jacksonville
- Jacksonville Beach
- Jacksonville N A
- Middleburg
- Neptune Beach
- Orange Park
- Ponte Vedra
- Ponte Vedra Beach
BlueCross BlueShield 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