Using Insurance for Therapy: Finding an In-Network Therapist in Tustin and Orange County
Finding the right therapist is already a big decision. Figuring out whether that therapist accepts your insurance can make the process feel even more complicated.
At The Talking Corner Family Therapy Inc., we want accessing therapy to be as straightforward as possible. Our therapists are in-network with several major insurance plans, and we offer a complimentary insurance benefit check before you begin therapy so you can better understand your coverage and potential costs.
Our practice works with many insurance plans, including:
Aetna
Meritain Health
UnitedHealthcare (UHC)
Optum
UMR
GEHA
Blue Shield of California
Local Blue Cross Blue Shield plans
Insurance participation can vary by therapist and by your specific plan, so we always recommend verifying benefits before your first appointment.
What Does “In-Network Therapist” Mean?
An in-network therapist has an agreement with your insurance network to provide covered services at negotiated rates.
Depending on your plan, you may be responsible for a copay, coinsurance, or deductible when seeing an in-network therapist. In-network care is generally less expensive than receiving care from an out-of-network provider, although your exact responsibility depends on your individual insurance benefits.
If you are searching for an Aetna therapist, UnitedHealthcare therapist, Optum therapist, UMR therapist, GEHA therapist, or Blue Shield therapist in Tustin or Orange County, our team can help determine whether one of our therapists participates with your plan.
What Does Out-of-Network Therapy Mean?
An out-of-network therapist does not have a contract with your specific insurance plan.
That does not necessarily mean your insurance cannot help pay for therapy.
Some PPO plans include out-of-network mental health benefits. Depending on your coverage, your insurance company may reimburse you for a portion of the cost after you meet an out-of-network deductible.
Other plans may provide little or no coverage for out-of-network therapy, which is why checking your individual benefits is important.
What Is a Superbill?
If you choose to see an out-of-network therapist, you may be able to receive a superbill.
A superbill is a detailed document that contains information about the therapy services you received. You can submit it to your insurance company to request reimbursement under your out-of-network benefits.
Receiving a superbill does not guarantee reimbursement. How much your insurance company reimburses—or whether it reimburses you at all—depends on your specific plan and out-of-network mental health benefits.
We Offer Complimentary Insurance Benefit Checks
We know insurance can be confusing.
Terms like deductibles, copays, coinsurance, behavioral health networks, and out-of-network benefits can make it difficult to know what therapy will actually cost.
That is why The Talking Corner Family Therapy Inc. offers a complimentary insurance benefit check before you begin services.
Our team can check information such as whether your plan appears active, your mental health benefits, deductible information, and estimated copay or coinsurance when available.
While benefit checks are not a guarantee of payment by your insurance company, they can give you a much clearer idea of what to expect before starting therapy.
Using Aetna, Meritain, UHC, Optum, UMR, GEHA, or Blue Shield for Therapy
Insurance companies often operate multiple plans and networks under the same name. For example, two people who both have UnitedHealthcare may have different benefits, deductibles, or provider networks.
The same can be true for Aetna, Meritain, UMR, GEHA, Blue Shield, and Blue Cross Blue Shield plans.
This is why we verify your specific insurance information rather than assuming that every plan under an insurance company works the same way.
Depending on your plan and therapist, The Talking Corner may be able to bill your insurance directly as an in-network provider. If we are not in-network with your particular plan, we can also discuss private-pay options and whether a superbill may be available for you to submit for potential out-of-network reimbursement.
In-Network Therapy in Tustin and Orange County
The Talking Corner Family Therapy Inc. provides therapy for adults, children, teens, couples, and families in Tustin and throughout Orange County.
Our therapists work with concerns including anxiety, depression, trauma and PTSD, relationship difficulties, family conflict, parenting concerns, ADHD, Autism, cultural identity, grief, life transitions, and other mental health concerns.
We offer in-person therapy in Tustin as well as virtual therapy for clients throughout California.
If you have Aetna, Meritain Health, UnitedHealthcare, Optum, UMR, GEHA, Blue Shield of California, or a Blue Cross Blue Shield plan, contact us and provide your insurance information. Our team can complete a complimentary benefit check and help you determine which therapists may be in-network with your plan.
Looking for a Therapist Who Accepts Your Insurance?
Finding a therapist should not require you to become an insurance expert.
If you are looking for an in-network therapist in Tustin or Orange County, The Talking Corner Family Therapy Inc. can help you understand your options and connect you with a therapist who meets your clinical needs and insurance coverage.
Contact us to request a complimentary insurance benefit check and learn which of our therapists may be in-network with your insurance plan.