Guide to Finding Therapists Accepting Blue Cross Blue Shield Insurance

Finding Therapists Who Accept Blue Cross Blue Shield Insurance

Mental health is just as important as physical health. However, finding the right therapist that takes your insurance can be a challenge. Blue Cross Blue Shield (BCBS) is one of the largest health insurance providers in the United States. If you have BCBS insurance, this article will help you find therapists in your network.

What is Blue Cross Blue Shield?

Blue Cross Blue Shield consists of 36 independent insurance companies that provide health insurance under the Blue Cross and Blue Shield names. Each company operates independently and has its own local networks of healthcare providers, including mental health professionals, that policyholders can visit. BCBS insures over 106 million members, making it the largest insurance provider network in the nation.

How to Find a Therapist that Accepts BCBS Insurance

Here are some tips to find a therapist in your location that accepts Blue Cross Blue Shield insurance:

• Check your BCBS member portal - Most BCBS providers have an online member portal where you can search for in-network mental health professionals near you.
• Call BCBS customer service - Speaking with a BCBS representative can help narrow your search to therapists who accept your specific plan.
• Search therapist directories - Psychology Today, GoodTherapy, and other sites maintain directories of therapists you can filter by location and insurance.
• Check provider websites - Therapist websites usually state what insurance plans they accept.
• Ask for referrals - Your primary care doctor may be able to refer you to in-network therapists.

Types of Therapists Covered by BCBS

BCBS plans cover sessions with licensed mental health professionals. The types of therapists typically included in-network are:

• Psychiatrists - Doctors who can prescribe medication for mental health conditions.
• Psychologists - Hold a PhD and provide talk therapy and testing services.
• Clinical social workers - Have a master's in social work (MSW) and provide counseling.
• Licensed professional counselors - Hold a master's degree and provide counseling.
• Marriage and family therapists - Treat relationship issues among couples and families.

BCBS plans have provider networks for each state. The types of providers covered may vary depending on your specific insurance plan.

How Much Does Therapy Cost with BCBS Insurance?

Your out-of-pocket costs for therapy with BCBS depends on your plan's benefits:

• Copays - A flat fee you pay per session, often $10-$50.
• Coinsurance - Your share of session costs after your deductible is met, often 20%.
• Deductible - The amount you pay out-of-pocket before insurance kicks in, often $500-$2000.

After your deductible is met, you will pay copays or coinsurance up to your out-of-pocket maximum. Many plans have unlimited therapy sessions with a copay or coinsurance.

How to Use BCBS Insurance for Online Therapy

Many mental health professionals now offer virtual sessions via phone or video chat. BCBS insurance can be used for online therapy with in-network providers. Steps include:

1. Find a therapist that offers online sessions and takes your BCBS insurance.
2. Ask if they can bill BCBS directly or if you have to file a claim.
3. Pay your copay or coinsurance - make sure it matches your plan's in-office therapy rates.
4. Complete any follow-up paperwork required by your insurer.

Online therapy platforms like BetterHelp and Talkspace also contract with BCBS plans. Check if your specific BCBS provider includes these services.

Tips for Making the Most of Therapy with BCBS

Here are some tips to make the most of mental health services covered by your BCBS insurance:

• Choose an in-network provider to avoid higher out-of-network costs.
• Understand your plan's limits - some plans limit session numbers or have prior authorization requirements.
• Pick a compatible therapist - find someone experienced in your issues.
• Be open and honest during sessions.
• Complete “homework” exercises between appointments.
• Use preventive services like annual depression screenings.
• Combine therapy with other treatments like psychiatric medication.

Using your benefits fully and finding the right therapist can lead to better mental health.

Finding a BCBS Therapist FAQs

Does BCBS cover therapy?

Yes, most BCBS plans cover mental health services from licensed therapists and psychologists. Specific benefits like session limits and prior authorization rules depend on your plan.

How can I get the most out of my BCBS insurance for therapy?

To maximize your BCBS benefits for therapy:

• Look for in-network providers to minimize costs.
• Take advantage of unlimited sessions if offered.
• Use free preventive services like depression screenings.
• Find a therapist that matches your needs.
• Check if virtual therapy is covered.

What types of therapy does BCBS cover?

BCBS covers individual and group therapy sessions with licensed mental health professionals like psychologists, therapists, and psychiatrists. Family therapy may also be included. Call your insurer to learn about covered therapy types.

Does BCBS insurance cover marriage counseling?

Many BCBS plans include coverage for marriage counseling when provided by licensed professionals like psychologists, professional counselors, or social workers. There may be visit limits. Verify coverage with your insurer.

How much does therapy cost with BCBS insurance?

With BCBS insurance, your therapy costs will include:

• Copays - often $10-$50 per visit.
• Coinsurance - typically 20% of the session cost after deductible.
• Deductible - $500-$2000 you pay before coverage starts.

After your deductible, you'll pay copays or coinsurance up to your out-of-pocket max.

Does BCBS cover online therapy?

Many BCBS plans now include coverage for online therapy conducted via video chat by in-network providers. Platforms like BetterHelp and Talkspace also contract with BCBS. Check your plan details for virtual therapy coverage.

Find the Right Therapist for You

Having access to mental health services can improve your overall wellbeing. With BCBS insurance, finding a therapist in-network is key to keeping costs low. Use BCBS provider search tools to find experienced professionals that match your needs and take your insurance. Reach out for help - your mental health is worth it.

Disclaimer: This article is for informational purposes only and does not constitute medical advice. Always consult with a healthcare professional before starting any new treatment regimen.