Yes, most Illinois 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:
- Aetna
- Aetna-Medicare
- America's Choice Provider Network
- Beacon
- Beacon-Medicare
- Blue Cross Blue Shield (BCBS)
- Blue Cross Blue Shield (BCBS)-Medicare
- Caterpillar
- Centivo
- Claritev (MultiPlan PHCS)
- Claritev (MultiPlan PHCS)-Medicare
- Curalinc-EAP
- Devoted Health Plan-Medicare
- Duly Health and Care (DuPage)
- Duly Health and Care (DuPage)-Medicare
- Evernorth (Cigna)
- Evernorth (Cigna)-Medicare
- Guidehealth
- HealthSmart
- Humana-Medicare
- Magellan
- Magellan-Medicare
- MediNcrease Health Plans (MHP)
- Medicare
- Northwell Direct
- Northwestern (NMPN)
- Northwestern (NMPN)-Medicare
- OSF Healthcare
- OSF Healthcare-Medicare
- Optum, UnitedHealthcare
- Optum, UnitedHealthcare-Medicare
- Partners Direct Health
- Pathways (Amita Health)
- Provider Network of America (PNOA)
- Quest Behavioral Health
- Railroad Medicare-Medicare
- Sana Benefits
- Sana Benefits-Medicare
- TELUS Health (BHS)
- Tricare West (TriWest)
- UnityPoint
- Wellcare-Medicare
- Wellpoint (Unicare/Healthlink)
- Zelis (HFN Network Solutions)
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 Illinois.
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.
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