Insurances Accepted at LifeStance
220+ Insurances Accepted
Find Insurances Accepted in Your State
Understanding Mental Health Insurance and Its Benefits
Mental health insurance provides coverage for various mental health services, including therapy, counseling, medication, and inpatient treatment. Typically, this insurance works similarly to general health insurance, where individuals pay premiums and, in return, receive financial assistance for their mental health care needs. Coverage specifics, such as the types of services included and the extent of coverage, can vary depending on the insurance plan.
Insurance Improves Access To Mental Health Care
- Cost Reduction: Insurance significantly reduces out-of-pocket expenses for mental health services, making treatment more affordable.
- Access to Services: With insurance, individuals can access a broader range of services and providers, ensuring they receive the care that best meets their needs.
- Regular Care: Insurance encourages consistent and ongoing care, which is crucial for effective mental health management.
- Comprehensive Care: Many insurance plans offer comprehensive coverage that includes preventive care, helping to address issues before they become more severe.
Our Commitment to Accessibility and Affordability
At LifeStance, we understand the importance of accessible and affordable mental health care. That’s why we accept most insurance plans, ensuring that financial constraints do not stand in the way of receiving quality care. Our commitment to working with diverse insurance providers means that more individuals can benefit from our comprehensive mental health services without the burden of high costs.
Therapy and Psychiatry Covered by Insurance including Online Visits.
Mental health is just as important as physical health, yet insurance often treats it differently, creating barriers to affordable care and reinforcing stigma around seeking help. To address this, the 2008 Mental Health Parity Act (MHPA) requires that if insurance covers mental health services, the coverage must be comparable to physical health coverage.
Any health insurance plan that offers mental health services must cover:
- Behavioral health treatments, like psychotherapy, talk therapy, and counseling including online therapy and psychiatry
- Mental and behavioral health inpatient services
- Substance use disorder (commonly known as substance abuse) treatment
Mental Health Care Covered by Insurance in Your State
Getting The Most Out Of Your
Mental Health Insurance Coverage
Identify Your Insurance Provider
Review Your Insurance Policy
Gather Questions
Contact Your Insurance Provider
Explore Clinicians Near You
Schedule Your Appointment
Common Mental Health Insurance Terms
In-network
A provider who is contracted with your insurance is considered in-network. This means that patients may pay lower cost-sharing.
Out of network
When a provider is not contracted with your insurance, they are out-of-network. The provider is not contracted with the health insurance plan to accept negotiated rates.
EOB
EOB stands for explanation of benefits. It is a statement which is sent from the insurance company. It is not a bill; the statement simply explains what medical treatments/services were paid by the insurance company.
AOC add on codes
AOC stands for add-on codes, which is a healthcare common procedure coding system that describes a service that is performed in conjunction with the primary service by the same provider.
TPA
TPA stands for a third party administrator. A TPA is a company that provides operational services such as claims processing and employee benefits management under contract to another company. Insurance companies and self-insured companies often outsource their claims processing to third parties.
Carve out
Carve out refers to elimination of coverage of a specific category of benefit services, most commonly medical services which are not included in a standard health insurance contract and are paid for separately.
Insurance FAQs
LifeStance accepts most commercial insurance plans in the states we offer services. If you don’t see your insurance carrier listed, please contact us to see how we can help.
All state Medicaid programs provide some mental health services and some offer substance use disorder services to beneficiaries. Also, there is coverage for preventive mental health care.
If you have questions about your coverage or financial responsibility, please contact your plan administrator directly.
You are responsible for providing accurate information about your insurance benefits and confirming if LifeStance is preferred or in-network with your insurance carrier. Please be prepared to confirm your health insurance and credit card information when scheduling and arriving for each appointment.
You are financially responsible for the cost of the mental health services provided to you or your dependent(s) and for any portion of the fees not reimbursed or covered by your health insurance, including late cancellations and missed appointments.
