Yes, most Indiana health insurance carriers provide mental health benefits that cover psychiatrist visits, including the initial evaluation and regular sessions (check-ins). However, the exact amount of coverage will vary based on the insurance plan details and whether the selected provider is in-network or out-of-network with your insurance. Just like any other medical professional, if the psychiatrist is in-network with your insurance, you’ll pay only a copay at each session after meeting your annual deductible. If the psychiatrist is out-of-network with your insurance, you may still be able to receive reimbursement after paying the fee.
We work with: SIHO (Deaconess OneCare), Evernorth (Cigna), Elevance Health (Anthem), Deaconess Health Plans (DHP), Sana Benefits, Ascension MissionPoint Health, Provider Network of America (PNOA), Carelon (Beacon), Optum (UnitedHealthcare), Centivo, MediNcrease Health Plans (MHP), Behavioral Health Systems (BHS), Partners Direct Health, Aetna, Sagamore and Claritev (MultiPlan PHCS).
If you have a PPO or POS insurance plan (or so called “open access” plans), you can likely receive some reimbursement when you see a psychiatrist out-of-network in Indiana.
If you have an HMO, EPO, or Medicaid/Medicare plan, you likely cannot receive reimbursement, and would be responsible for the full out-of-network session fee. LifeStance accepts most of the commercial health insurance plans.