Insurances Accepted at LifeStance
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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
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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.
LifeStance accepts many 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.
LifeStance works with many insurance plans, including Medicare and Medicaid, but coverage varies by state and by provider. All state Medicaid programs offer some mental health services, and many also cover substance use disorder care and certain preventive mental health services.
To confirm whether a specific LifeStance clinician accepts Medicare or Medicaid in your area, please contact the local customer care team in your state. They can provide the most accurate, location-specific information about your coverage options.
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 with LifeStance.
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. Depending on the health insurance plan, this may include a copay, deductible, and/or coinsurance.
The cost of a psychiatrist or psychiatric clinician visit at LifeStance varies depending on your state, insurance plan, supporting diagnosis, and whether you are paying out-of-pocket. Initial psychiatric evaluations typically cost more than follow-up medication management visits.
With insurance, copays typically range from $22-$36 for a psychiatric appointment at LifeStance.
If you don’t have insurance coverage, self-pay costs usually range from $210-$434 for a psychiatric appointment.
Therapy costs at LifeStance depend on your state, provider, supporting diagnosis, and insurance coverage. In most cases, you will be responsible for a copay, coinsurance, or deductible. If you are paying without insurance, self-pay rates also vary by state.
With insurance, the average copay range for a therapy session at LifeStance is often $22-$36.
If you don’t have insurance coverage, self-pay costs for a therapy session typically range from $200-$449.
The cost of online therapy compared to in-person therapy at LifeStance is usually the same, but it can vary by state, diagnosis, and insurance plan. Many individuals find online therapy more cost-effective overall because it eliminates travel time and transportation costs.
Many insurance plans provide coverage for outpatient therapy and counseling. Coverage may depend on your plan type, deductible, copay, supporting diagnosis, and whether your provider is in-network.
Many insurance carriers cover psychiatric evaluations and ongoing medication management, but the extent of coverage and copays will depend on your plan type, deductible, copay, supporting diagnosis, and whether your provider is in-network.
Some insurance plans require a referral for mental health care, while others allow you to schedule directly with a therapist or psychiatrist. Check your plan details or contact your insurance carrier.
Many insurance carriers cover group therapy sessions, though benefits vary. Contact your insurance company or LifeStance to confirm coverage.
Some insurance plans may cover family therapy when it is medically necessary and tied to a diagnosable mental health condition. Couples therapy may or may not be covered, depending on your insurance policy.
If your provider is in-network, your costs are typically lower with set copays or coinsurance. Out-of-network services may still be covered, but usually at a higher out-of-pocket cost.
Mental Health Care Covered by Insurance in Your State
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