Online Therapist That Takes Aetna
Yes. Psychological Healing is in-network with Aetna in 16 states, and our licensed psychologists and therapists see Aetna members by secure video. With insurance, what you pay depends on your Aetna plan, including your deductible and your share of each session, so we verify your benefits and explain them before your first session. Most Aetna PPO and open access plans don't need a referral for therapy; if yours does, we'll tell you. See the states we cover ↓
- 40 clinicians
- In person in 20 states
- Video sessions in 44 states
Find an Aetna therapist in your state
Looking for an Aetna therapist near you? We see Aetna members by secure video anywhere in the 16 states below, and we have offices throughout the US. Pick your state to see how we work with Aetna there.
Start with your state’s guide. Each one explains how we work with Aetna there and how we check your plan before your first session.
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.
How billing works with Aetna
We’re in-network with Aetna, so we bill Aetna directly. Your share of the cost depends on your plan, including any deductible. We verify your benefits and tell you what to expect 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.
States where we see Aetna members
We see Aetna members by secure video in California, Colorado, Florida, Georgia, Hawaii, 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 offer in-person sessions in 20 states and video sessions in 44 states. The list above shows where we’re in-network with Aetna.
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.
Aetna psychologists and therapists
Looking for an Aetna psychologist or an Aetna therapist? Our team includes both. Licensed psychologists hold a doctoral degree in psychology and are trained in psychological assessment as well as therapy. Our licensed therapists, including licensed clinical social workers, bring focused training in evidence-based talk therapy. The clinicians we match with Aetna members are in-network with Aetna in the states where they’re licensed.
The right fit depends on what you want help with more than on the title. Both psychologists and therapists provide individual therapy for concerns like anxiety, depression, trauma, and obsessive-compulsive disorder (OCD). Tell us what you’re looking for when you reach out, and we’ll match you with an in-network clinician who is licensed in your state and has experience with your concern.
You can meet our clinicians or read more about working with an online psychologist.
What we treat
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, with in-person sessions in 20 states and video sessions in 44 states
Help with insurance before you start
How to get started
- 01
Contact us or use the form below, with your Aetna card handy.
- 02
We verify your benefits and tell you what you’ll pay.
- 03
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 and Blue Cross Blue Shield (BCBS). We accept Ambetter in Washington only.
Frequently asked questions about Aetna
Does Aetna cover therapy?
Most Aetna plans include outpatient mental health benefits. Your share of the cost depends on your plan, 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, including any deductible. We look up your benefits before your first session, or you can ask our admin team when you book.
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 is available with select clinicians, and we check your plan first.
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.
How do I know a therapist takes my Aetna plan?
Call the behavioral health or member services number on the back of your Aetna card, or search Aetna’s online provider directory, and ask whether the therapist is in-network for your specific plan in your state. Being in-network with Aetna doesn’t always mean every Aetna plan is included, so it helps to check. When you contact us, we verify your Aetna benefits before your first session. Our guide on how to verify your therapy coverage walks through the questions to ask.
Clinically reviewed by Karan Singh, Ph.D. · Last reviewed November 1, 2026