We accept most major insurance plans.
Cost shouldn't be a barrier to getting the support you need. Here's what we accept and what to expect.
Accepted insurance networks
- ✓Aetna (incl. CVS Health, First Health, & Meritain)
- ✓BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans like Florida Blue, Highmark, Premera, Regence, and others)
- ✓Cigna / Evernorth
- ✓United Healthcare (UHC) / Optum (incl. United Behavioral Health - UBH, UMR, Surest, Oscar, & Oxford)
- ✓EmblemHealth (GHI / HIP) — NY only
- +Plus state-specific plans — see by-state table below
Coverage by state
We currently serve patients in 10 states via telehealth.
| State | Accepted networks |
|---|---|
| Arizona (AZ) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, United Healthcare (UHC) / Optum (incl. UBH, UMR, Surest, Oscar, & Oxford) |
| California (CA) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, United Healthcare (UHC) / Optum (incl. UBH, UMR, Surest, Oscar, & Oxford), Magellan Healthcare |
| Florida (FL) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, United Healthcare (UHC) / Optum (incl. UBH, UMR, Surest, Oscar, & Oxford) |
| Georgia (GA) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, United Healthcare (UHC) / Optum (incl. UBH, UMR, Surest, Oscar, & Oxford) |
| Louisiana (LA) | Aetna (incl. CVS Health, First Health, & Meritain), Cigna / Evernorth, United Healthcare (UHC) / Optum (incl. UBH, UMR, Surest, Oscar, & Oxford) |
| New York (NY) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, United Healthcare (UHC) / Optum (incl. UBH, UMR, Surest, Oscar, & Oxford), EmblemHealth (GHI / HIP), Fidelis Care / Ambetter (including Medicaid), Northwell Direct |
| Oklahoma (OK) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, Ascension |
| South Carolina (SC) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, Molina Healthcare, Tricare (East, Prime, Select) |
| Texas (TX) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, United Healthcare (UHC) / Optum (incl. UBH, UMR, Surest, Oscar, & Oxford) |
| Washington (WA) | Aetna (incl. CVS Health, First Health, & Meritain), BCBS (incl. Anthem, Blue Cross, Blue Shield, & state plans), Cigna / Evernorth, United Healthcare (UHC) / Optum (incl. UBH, UMR, Surest, Oscar, & Oxford) |
How insurance works at Phoenix Health
We verify your benefits for you
Before your first session, we confirm your coverage so there are no surprises.
Typical out-of-pocket cost
After your deductible, most patients pay their standard specialist copay ($20–$60 depending on plan).
FSA & HSA eligible
Therapy sessions are FSA and HSA eligible. You can use your pre-tax dollars.
Out-of-network & self-pay
Can I still see a Phoenix Health therapist?
Phoenix Health therapists are licensed under the PSYPACT compact, which allows them to practice telehealth across PSYPACT member states. If your state participates, you may be eligible even without in-network coverage.
Out-of-network rates
$200 per session with Ashlyn, PhD & PMH-C. Available to patients outside our 10-state in-network footprint.
What is a superbill?
A superbill is a detailed receipt your therapist provides after each session. You submit it to your insurance company for out-of-network reimbursement. Many PPO plans reimburse 50–80% after your deductible.
Will my PPO cover it?
PPO plans typically allow out-of-network benefits; HMO and EPO plans typically do not. We recommend calling the member services number on your insurance card and asking: "Do I have out-of-network mental health benefits, and what is my out-of-network deductible and reimbursement rate?"
We provide superbills if needed
After each session, your therapist is able to provide a superbill you can submit directly to your insurance.
Explore coverage by insurer
Learn how your specific plan works with Phoenix Health — including alias names and what to expect with benefits verification.
Not sure if you're covered?
Book a free 15-minute consultation and we'll check your benefits for you — no commitment required.