Insurance & benefits
Check Your Insurance Benefits
Understanding your mental health coverage before your first appointment helps you plan ahead and avoid surprises. Use the steps and links below to verify your benefits in about 10 minutes.
How to check your benefits
Locate your insurance card
Find your physical card or log in to your insurer's member portal. You'll need your Member ID and group number.
Call the member services number
The number is on the back of your card. Ask specifically about outpatient mental health benefits — not just general medical coverage.
Ask the right questions
Use the checklist below to guide the conversation. Write down the representative's name and a reference number for your records.
Contact us with your findings
Once you know your benefits, reach out and we can help you understand what your out-of-pocket costs will look like.
Check your benefits online
Log in to your insurer's member portal to view your plan details, deductible status, and in-network providers — no phone call needed.
Optum / UnitedHealthcare
Log in to myuhc.com to view your mental health benefits, find in-network providers, and check your deductible status.
Blue Shield of California
Sign in to your Blue Shield member account to review your behavioral health benefits and check your cost-sharing details.
Aetna
Log in to your Aetna member portal to check your mental health coverage, deductible, and find in-network behavioral health providers.
Carelon Behavioral Health
Access your Carelon member portal to review your behavioral health benefits and verify your coverage details.
Questions to ask your insurer
When you call member services, have this list ready. These are the exact questions that matter for outpatient mental health care.
Coverage basics
Psychological assessment
Some insurance plans require prior authorization before psychological testing can begin. If your plan requires it, we will work with you to obtain authorization before scheduling your evaluation.
Practical details
A note about benefits verification
Insurance benefits can be complex, and information provided by member services representatives is not a guarantee of payment. We recommend verifying your benefits before your first appointment and keeping notes from any calls you make. For psychological assessment, some plans require prior authorization — if yours does, we will handle the authorization process before scheduling your testing. If you have questions about your coverage or our fees, please don't hesitate to reach out — we're happy to help you navigate this.
Insurance not an option? Reduced-fee appointments may be available.
A limited number of reduced-fee appointments are available for clients who are paying privately and not using insurance for the service. Fees are determined based on household income, household size, individual financial circumstances, and the availability of reduced-fee appointments.
If cost is a concern, please mention it when you reach out. No financial documentation is required to make an initial inquiry. A brief sliding-scale application may be required before a reduced fee is approved. Eligibility is reviewed periodically and approval is not guaranteed.
Sliding-scale fees cannot be applied to insurance copayments, coinsurance, or deductibles.
Learn more about sliding scaleReady to take the next step?
Once you've checked your benefits, you can get started by viewing current availability for therapy and psychological assessment.