Counseling Now / Does My Insurance Cover Therapy?
Does My Insurance Cover Therapy?
Counseling Now® offers nationwide online counseling. If you are asking, "Does my insurance cover therapy?", it depends on your plan, your state, and the clinician you see. We accept many insurance plans, including Medicaid and Medicare, where those plans are listed for your state. Plans vary by clinician. Being in the directory is not a guarantee that therapy is a covered benefit, or that a claim will be paid. Check with your plan about your benefits. Self-pay is welcome.
If you have questions first, call 855-591-0092.
How to check whether your insurance may cover therapy
Coverage depends on your plan, the state you are in, and the clinician you see. A practical way to check is:
- Find your state in the directory lists below.
- See whether your plan's name appears for that state.
- Check with your plan to confirm that outpatient mental health care, including telehealth or online therapy if that is how you want to meet, is a covered benefit, and that the clinician is in network.
- Ask your plan about deductibles and any out-of-pocket costs. This page does not list copays or rates.
If your plan is not listed, that fact alone does not mean it is out of network. Check with your plan. Share your insurance details when you request an appointment and our team will follow up.
These lists are directory plan names for counseling, from the November 14, 2026 Therapist Search pull. They are not a benefits checker, and this page does not collect member ID numbers or other health information.
Medication management is offered where that service is offered, not in every state. Plan participation for psychiatry can differ from the counseling lists below. See online psychiatry and medication management.
People looking for Kentucky Counseling Center plans should use that organization's insurance page. This Counseling Now page is for nationwide online counseling questions.
Kentucky directory plans for counseling
The names below are counseling directory plans for Kentucky. Passport-related names follow the official Credentialing labels. Plans vary by clinician.
Medicaid
- Kentucky Medicaid
- Aetna Medicaid
- Humana Medicaid
- Molina Medicaid
- UnitedHealthcare / Optum Medicaid
- Wellcare Medicaid
Medicare
- Medicare (Original)
- Aetna Medicare
- Anthem Medicare
- Humana Medicare
- Passport Advantage Medicare
- UnitedHealthcare / Optum Medicare
- Valor Health Medicare
- Wellcare Medicare
Commercial
- Aetna (Commercial)
- Alliance Coal Health Plan (Commercial)
- Anthem (Commercial)
- Behavioral Health Systems (Commercial)
- Carelon Behavioral Health (Commercial)
- Cigna (Commercial)
- CuraLinc (Commercial)
- Curative (Commercial)
- First Health (Commercial)
- Humana (Commercial)
- Magellan (Commercial & EAP)
- Molina (Commercial)
- Passport by Molina Commercial
- MultiPlan / PHCS (Commercial)
- TRICARE (Commercial)
- UnitedHealthcare / Optum (Commercial)
- VA Community Care Network (Optum) (Commercial)
- Wellcare Ambetter (Commercial)
EAP
- Business Health Services EAP
- Carelon EAP
Ohio directory plans for counseling
The names below are counseling directory plans for Ohio, from clinicians listed only in Ohio in the same Therapist Search pull. Plans vary by clinician.
Ohio Medicaid names in this list are for counseling only. They are not a claim that Ohio Medicaid covers psychiatry or medication management.
Medicaid
- Ohio Medicaid
- Aetna Medicaid
- AmeriHealth Caritas Medicaid
- Anthem Medicaid
- Buckeye Community Health Medicaid
- CareSource Medicaid
- Humana Medicaid
- Molina Medicaid
- OhioRISE Medicaid
- UnitedHealthcare / Optum Medicaid
Medicare
- Medicare (Original)
- Aetna Medicare
- Buckeye Health Plan / Wellcare Medicare
- CareSource Medicare
- Humana Medicare
- Molina Medicare
- UnitedHealthcare / Optum Medicare
- Valor Health Medicare
- Wellcare Medicare
Commercial
- Aetna (Commercial)
- Anthem (Commercial)
- CareSource (Commercial)
- Cigna (Commercial)
- Humana (Commercial)
- MCCP (Commercial)
- Medical Mutual (Commercial)
- Molina (Commercial)
- MultiPlan / PHCS (Commercial)
- OhioHealthy (Commercial)
- Oscar Health (Commercial)
- TRICARE (Commercial)
- UnitedHealthcare / Optum (Commercial)
Other states
Counseling Now offers nationwide online counseling, but a complete directory plan table is not published here for every state. If your state is not listed, check with your plan. Share your insurance details when you request an appointment and our team will follow up.
Self-pay
Self-pay is welcome if you prefer not to use insurance, or if your plan does not cover a visit. For current self-pay information, see insurance and pricing. This page does not list rates, copays, or a sliding fee.
Related pages
Frequently asked questions
Does my insurance cover therapy?
It depends on your plan, your state, and the clinician you see. Counseling Now lists directory plan names by state on this page. Plans vary by clinician. Being listed is not a guarantee that therapy is a covered benefit, or that a claim will be paid. Check with your plan about your benefits, including deductibles and any out-of-pocket costs.
How do I check whether my plan covers online therapy?
Find your state in the lists on this page, then check with your plan to confirm that outpatient mental health or telehealth counseling is a covered benefit and that the clinician is in network. We do not store member ID numbers on this page, and this page is not a benefits checker.
Do you accept Medicaid and Medicare?
Counseling Now accepts many insurance plans, including Medicaid and Medicare, where those plans are listed for your state. Plans vary by clinician. Ohio Medicaid names in the Ohio list are for counseling only. They are not a claim that Ohio Medicaid covers psychiatry or medication management.
Do the same plans cover psychiatry or medication management?
Not necessarily. The lists on this page are for counseling. Psychiatry and medication management are offered in confirmed states, and plan participation can differ. See the psychiatry and medication management page, and check with your plan.
What if my plan is not listed?
A missing name does not automatically mean a plan is out of network, and a listed name is not a coverage guarantee. Check with your plan. Share your insurance details when you request an appointment and our team will follow up. Self-pay is also welcome.
Is self-pay an option if I do not use insurance?
Yes. Self-pay is welcome. For current self-pay information, see the insurance and pricing page. This page does not list rates, copays, or a sliding fee.
What should I do in a crisis?
If you are in immediate danger, call 911. If you are in a mental health crisis, call or text 988. Counseling Now is not a crisis-intervention service. The appointment form and phone number on this page are not for emergencies.