Insurance

Use your insurance for mental health care

What your plan covers for therapy, psychiatry and treatments like TMS, what you’ll likely pay, and how to find a provider in your network. Pick your insurer.

Does insurance cover therapy?

Usually, yes. Marketplace (Affordable Care Act) plans must cover mental health care, including therapy and psychiatry, as an essential health benefit, and most employer plans cover it too. Medicare covers therapy under Part B, and Medicaid covers mental health care in every state.

Federal parity law adds a protection: when a plan covers mental health, it can’t make that care harder to use than medical care, for example with higher copays or stricter limits on visits.

What you actually pay depends on your plan’s copay or coinsurance, your deductible, and whether the provider is in your network. To check, call the member services or behavioral health number on your insurance card, or pick your insurer below.

AetnaTherapy, psychiatry and treatments like TMS with an Aetna plan: what's covered, typical costs, and how to find in-network care, including virtual visits.
Blue Cross Blue ShieldTherapy and psychiatry with a Blue Cross Blue Shield plan: what's covered, why your local Blue company matters, and how to find in-network care.
CignaTherapy and psychiatry with Cigna: what's covered, how Evernorth handles behavioral health, typical costs, and how to find an in-network provider.
UnitedHealthcareTherapy and psychiatry with UnitedHealthcare: what's covered, how Optum manages behavioral health, typical costs, and finding an in-network provider.
MedicareTherapy and psychiatry with Medicare: what Part B covers, the 20% you pay, the free yearly depression screening, and how Medicare Advantage differs.
MedicaidTherapy and psychiatry with Medicaid: what's covered, why it varies by state, low or no costs, and how to find a provider who accepts your plan.