Same Day and Evening Appointments | East Lansing, Ann Arbor & Telehealth Across Michigan | 517-481-2133
Commercial & Private Insurance Networks
- Aetna
- Aetna EAP
- AllOneHealth EAP
- Ambetter by Meridian
- Anthem EAP
- ASR Health Benefits
- Behavioral Health Systems
- Blue Care Network Advantage
- Blue Care Network
- Blue Cross Blue Shield
- Carelon
- CHAMPS VA
- Cigna
- Cigna EAP
- Cofinity / First Health
- ComPsych EAP
- Espyr EAP
- First Sun EAP
- GEHA
- HAP
- Health Advocate EAP
- Henry Ford Health EAP
- Humana
- Ingham Health Plan
- Magellan
- Magellan EAP
- McLaren Advantage
- McLaren Commercial
- Meritain
- Multiplan / Claritev
- Optum / UHC
- Priority Health
- Tricare
- Ulliance EAP
Medicaid, Medicare, & Regional Managed Care Plans
- Aetna Better Health (Medicaid)
- Aetna Medicare
- Blue Cross Complete
- HAP CareSource
- HAP CareSource Coordinated Health
- Humana Medicare
- McLaren Medicaid
- McLaren Medicare
- Medicare
- Medicare Plus Blue
- Meridian Complete
- Meridian Medicaid
- Molina Medicaid
- Molina Medicare
- Multiplan Medicare
- Priority Health Medicaid
- Priority Health Medicare
- UBH Great Lakes Medicare
- UHC Community Plan
- Wellcare
Out-of-Network & Private Pay Options
Don’t see your specific insurance plan listed above? You can still access care with us. If we are out-of-network with your insurance provider, you may be eligible for significant reimbursement through your out-of-network benefits.
How to Verify Your Mental Health Benefits: A Step-by-Step Guide
Navigating health insurance can feel overwhelming, but we are here to help you understand your coverage before your first session. While our billing team will verify your insurance, we highly recommend calling the member services number on the back of your insurance card to confirm your exact out-of-pocket costs. To make this call completely stress-free, you can read or print the simple, step-by-step script below to get the exact answers you need from your insurance representative.
The Therapy Today Insurance Call Script
What to tell the representative: “Hello, I am calling to verify my outpatient mental health benefits. I am planning to see an in-network licensed clinician at Therapy Today Counseling & Consulting.”
Specific questions to ask them:
- Do I have a deductible? “Do I have an annual deductible for outpatient mental health visits, and if so, how much of it have I met so far this year?”
- What is my cost per session? “Once my deductible is met, what is my specific copay or coinsurance responsibility for a standard 45-to-60-minute individual therapy session (CPT Code: 90837)?”
- Is telehealth covered? “Does my plan cover telehealth/online video therapy sessions the same as in-person office visits?”
- Is a referral required? “Do I need a prior authorization or a referral from my primary care physician (PCP) before I can begin therapy?”
What to write down at the end of the call:
- Representative’s Name
- Date & Time of Call
- Reference Number for the Call
Frequently Asked Questions About Therapy Insurance & Billing
Q: Is insurance accepted for online therapy/telehealth sessions?
A: Yes. Because our therapists are fully licensed in the state of Michigan, major insurers like Blue Cross Blue Shield and Priority Health generally cover virtual therapy identically to in-person office visits.
Q: When do I pay my copay or deductible responsibility?
A: Any applicable copays, coinsurance, or out-of-pocket fees are due at the time of service. You can pay any balance due through your secure client portal or elect to have your card automatically charged at the time of each service.
Q: Can you check my benefits for me before I have my first appointment?
A: Absolutely. When you submit our online appointment request form, our administrative intake team will collect your insurance information and run a preliminary benefits check before your first appointment to help estimate your costs.