Can I use my health insurance to cover therapy?
YES!! You can use your insurance plan to pay for mental health care. Providers on Headway currently accept Aetna, Amerigroup, Traditional Medicaid, Blue Cross and Blue Shield (in select states), Cigna, Oscar, Oxford, United Healthcare, and all Optum affiliates.
Our providers are also able to accept a few other third-party insurance carriers whose mental health benefits are administered through the larger insurance networks mentioned above.
If you're still unsure of whether your plan is in-network, add your insurance information into your account and our benefit verification tool will be able to check on your information.
If your plan is showing up as unverified, request a manual verification and we'd be happy to let you know whether your specific plan is considered in-network with us or not.
Out-of-network insurance plans
We do not work with out-of-network benefits or Medicare.
In order to access our services and have your insurance cover the costs, you'll need to have an insurance plan that we are able to accept. Our providers can accept a variety of insurance plans thanks to the agreements we have with these insurers, and we’re constantly working to partner with more.
If you're still unsure of whether your plan is in-network, add your insurance information into your account and our benefit verification tool will be able to check on your information.
If your plan is showing up as unverified, request a manual verification and we'd be happy to let you know whether your specific plan is considered in-network with us or not.
Understanding your insurance plan
Each individual insurance plan has its own unique set of benefits, or services that are covered under the plan. Your insurance plan sets which services will be covered, and how much of it will be covered by the insurance company.
Benefits vary from plan to plan, but will typically consist of one or more of the following:
Copay
A copay is a flat rate per session set by your insurance plan. With a copay, you’ll pay the same amount for each session regardless of type or length.
Coinsurance
The coinsurance is the percentage of the cost you're responsible for paying after your deductible’s been met. Your insurance covers the remaining percentage.
Deductible
A deductible is a set amount of out-of-pocket spending. With a deductible plan, the out-of-pocket price per session is set by your insurance company. Once you’ve reached your deductible amount, your insurance company will start to contribute to your therapy costs. The percentage per fee they cover is determined by your plan.
Individual deductible
The amount that you as an individual are responsible for paying until your insurance takes on some of the costs.
Family deductible
If you're on a group plan with family members, everyone’s payments will contribute to the deductible total. Once met, the insurance will take on a percentage of the costs for everyone on the plan.
Out of pocket maximum
Some plans consider an out-of-pocket maximum, i.e. the maximum amount you can spend in a given plan cycle. If you meet your out-of-pocket maximum, you won’t have any expenses until your plan resets.