Therapists Who Take Aetna

Does Aetna cover therapy?

In most cases, yes. Most Aetna medical plans include outpatient mental health benefits, often called behavioral health benefits. Under the federal Mental Health Parity and Addiction Equity Act, most plans must cover mental health care on terms comparable to medical care. Your plan sets the details, such as your deductible and your share of each session, so we look them up for you.

For more background, read is therapy covered by Aetna? and how to find a therapist with Aetna.

States where we see Aetna members

We see Aetna members by secure video in Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Nevada, New Hampshire, New York, Ohio, Oregon, Texas, Virginia, Washington, and Wisconsin.

You need to be physically located in one of these states at the time of each session. Our 40 clinicians are licensed across 20 states, and the list above shows where we’re in-network with Aetna.

How billing works with Aetna

We’re in-network with Aetna, so we bill Aetna directly. Your cost depends on your plan’s deductible and coinsurance. We verify your benefits and tell you what you’ll pay before your first session. Health savings account (HSA) and flexible spending account (FSA) funds can usually be used.

We do not accept Medicare or Medicare Advantage plans.

Tips for using your Aetna benefits

• Check the back of your card for the behavioral health or mental health phone number.
• Know where you are on your deductible, especially early in the plan year.
• Ask about referrals. Most Aetna preferred provider organization (PPO) and open access plans don’t require one for therapy, but some health maintenance organization (HMO) plans do. We check for you.
• Tell us about plan changes before your next session.
• Review your Explanation of Benefits (EOB) to see what was billed and what you owe.

What we treat

• Anxiety, panic disorder, and health anxiety
• Depression
• Trauma and posttraumatic stress disorder (PTSD), including complex PTSD
• Obsessive-compulsive disorder (OCD)
• Adult attention-deficit/hyperactivity disorder (ADHD)
• Grief and loss
• Stress and burnout for healthcare workers and first responders

Most care is individual therapy for adults. Couples and family therapy are available with select clinicians, so mention it when you contact us. Whether your Aetna plan covers couples or family sessions depends on the plan, and we check that too.

Evidence-based treatments

Our clinicians use Cognitive Behavioral Therapy (CBT), Acceptance and Commitment Therapy (ACT), Exposure and Response Prevention (ERP), Eye Movement Desensitization and Reprocessing (EMDR), Cognitive Processing Therapy (CPT), and Prolonged Exposure (PE). Not sure which fits? See our guide to choosing a trauma therapy.

How online therapy works

Sessions take place by secure video from home, work, or anywhere private. Learn how our teletherapy works. Prefer to meet in person? We have offices throughout the US, and California members can see our Aetna therapists in California page.

Why Aetna members choose Psychological Healing

• Doctoral-level expertise, with licensed psychologists alongside licensed therapists
• Specialized care for trauma, OCD, and anxiety, which can be hard to find in-network
• 40 clinicians across 20 states, with in-person offices throughout the US
• Help with insurance before you start

How to get started

1. Contact us or use the form below, with your Aetna card handy.
2. We verify your benefits and tell you what you’ll pay.
3. Start your first session by secure video, or in person at one of our offices.

Other insurance we accept

We’re also in-network with Optum and UnitedHealthcare (UHC), and we see Oscar members through the Optum/UHC network. Depending on the clinician and state, some of our clinicians also accept Anthem, Carelon, Blue Cross Blue Shield (BCBS), and Ambetter.

Frequently asked questions about Aetna

Does Aetna cover therapy?

Most Aetna plans include outpatient mental health benefits. Your cost depends on your plan’s deductible and coinsurance, and we verify your benefits before you start.

Do I need a referral to see a therapist with Aetna?

Usually not for preferred provider organization (PPO) and open access plans. Some health maintenance organization (HMO) plans require one. We check your plan for you.

Is online therapy covered the same as in-person therapy?

Most Aetna plans cover telehealth therapy with in-network providers, often on the same terms as office visits. Plans vary, so we confirm yours before your first session.

How much will I pay per session?

It depends on your plan’s deductible and coinsurance. We look up your benefits and tell you what you’ll pay before your first session.

Does Aetna cover couples therapy?

It depends on your plan. Many plans cover it only when it’s part of treating a diagnosed condition. Couples and family therapy are available with select clinicians, and we check your coverage before your first session.

How many therapy sessions does Aetna cover?

Most Aetna plans don’t set a fixed yearly limit for medically necessary outpatient therapy, though some review progress over time. We’ll tell you what your plan says.

Prefer to send us a message?

Use the form below, and we’ll reply by email. Please don’t include health details in the form.

If you are in crisis or thinking about harming yourself, call or text 988 (Suicide and Crisis Lifeline) or call 911.