Many Health Insurance Companies Cover Mental Health Services
At MindWell Urgent Care, we accept most commercial health insurance plans, as well as Medicare. If you are not covered by an insurance plan, our affordable pricing will help you receive the care you need. If you are out-of-network or do not have insurance, we are happy to provide you with a superbill that you can present to your insurance carrier for out-of-network reimbursement. This percentage varies by your insurance carrier, but typically is around 50-70% reimbursement from your insurance company. In addition to insurance payments, we’re glad to accept HSA/FSA.
If you do not see your insurance provider on this list, please ask, as we are partnering with new insurance companies often.
- Visit https://providerlocator.firsthealth.com/Home/Index to search for providers within the First Health Network.
- Visit https://www.humanamilitary.com/ or check with your VA office regarding the specifics of your Humana and TriCare insurance via the US Military. We are proud to support the mental health of Veterans and their families through in-person mental health services in Dallas as well as through tele-psychiatry online.
- Visit https://www.aetna.com/ to check your individual or family benefits through Aetna.
- Visit https://www.myallsavers.com/MyAllSavers/ to check your available benefits. All Savers is a subsidiary of United Healthcare insurance meant for small business owners and those who are self-insured.
- Visit https://www.bswhealthplan.com/ to check Baylor Scott & White plan benefits for those residing in the state of Texas.
- Visit https://www.uhc.com/ to check your plan’s benefits or visit the United Healthcare app provided by your employer.
- Visit https://www.bcbs.com/ to search providers and benefits across your Blue Cross Blue Shield insurance network.
- Visit https://www.hioscar.com/ to explore your Oscar plan’s benefits.
- Visit https://www.medicare.gov/ to find out what benefits your particular Medicare plan provides.
- Visit https://www.magellanhealth.com/ to examine your Magellan Health plan benefits, especially those for federal employees.
- Visit https://www.cigna.com/ to check your Cigna Health Plan benefits.
- Visit https://www.aarpmedicaresupplement.com/medicare-information-guide.html if you have Supplemental Medicare insurance through the AARP via United Healthcare.
- While MultiPlan is not an insurance company, their website https://providersearch.multiplan.com/ does provide search options for specific employer plan networks.
- Optum is actually a subsidiary of United Health that focuses on HSA’s, FSA’s, HRA’s and other healthcare related financing options. Visit https://www.optum.com/ to learn more.
MindWell Urgent Care Has You Covered
More and more people are opting for online therapy over in-person sessions. It’s no surprise why—this method is much more accessible and convenient for people across the country. The flexibility to connect with a therapist from the comfort of your home is perfect for folks with busy schedules and parents trying to balance childcare with their personal well-being. But as you consider talking to a professional, questions about insurance are bound to come up. Here’s what you need to know about our psychiatrists and how insurance coverage works.
Know the Specifics of Your Insurance Plan
While our online psychiatrist takes insurance, it pays to know exactly what your plan covers. While most providers offer some level of coverage for mental health services, each one is different. The first step is to check your policy documents online, and if you still have questions, contact your insurance provider directly. Look for terms like “telehealth” and “telemedicine” to determine if online therapy is fully or partially covered.
In-Network vs. Out-of-Network Providers
The single most important factor as you look for online psychiatrists that take insurance is whether they’re in-network or out-of-network. Get to know the difference between these common terms:
- In-Network Providers—These are therapists and mental health professionals who have a contract with your insurance company. When you see an in-network provider, you generally pay a lower out-of-pocket cost, usually in the form of a copayment or coinsurance after you’ve met your deductible.
- Out-of-Network Providers—If a therapist does not have a contract with your insurance company, they are considered out-of-network. You will likely have to pay the full cost of the session upfront. However, you might be able to get partial reimbursement from your insurer if your plan includes out-of-network benefits.
How to Find an Online Provider Who Takes Your Insurance
Finding a Provider who accepts your insurance can feel like a challenge, but many online platforms are making the process simpler. Follow these three easy steps to find psychiatrists who take your insurance:
- Go to Your Provider’s Website—Most insurers have an online directory of in-network mental health providers. You may be able to filter this list to find therapists who offer online sessions.
- Use Online Platforms—Today, there is no shortage of online therapy platforms that show you psychiatrists in your area. Many of these platforms also list which insurance providers they accept.
What If My Insurance Doesn’t Cover Online Therapy?
If you find that your insurance plan doesn’t cover online therapy, or if the out-of-pocket costs are too high, you still have options. Many people find ways to make therapy affordable without using insurance. Ask us about sliding scale fees or reduced rates if psychiatry services are currently out of your budget. We strive to make mental health care accessible to everyone, regardless of their financial background.
Schedule Your Appointment Today
Whether you need a psychiatrist who takes Blue Cross Blue Shield, or you’re okay with paying out-of-network costs, MindWell Urgent Care is here for you. Over the years, we’ve seen countless patients via telehealth in Texas, Oklahoma, New Jersey, Florida, and Kansas. Our team is also happy to welcome in-person patients to our Dallas, TX location. Contact us today to learn more about which insurance providers we work with.