Perinatal mental health therapy covered by Aetna
+9 moreNo commitment. We'll confirm your coverage before your first session.
Using your Aetna benefits
Phoenix Health is in-network with Aetna, which means your mental health benefits apply directly, without you having to deal with out-of-network claims or superbills. Our therapists are PMH-C certified and specialize in perinatal mental health, including postpartum depression, perinatal anxiety, and birth trauma. One thing that confuses a lot of people: your insurance card might not say Aetna at all. If it says CVS Health, Meritain Health, or First Health, those are all the same network. Same benefits, same coverage, same therapists. Before your first session, our team verifies your specific plan details, including your deductible status, your specialist copay, and whether any prior authorization is required. Under the Mental Health Parity and Addiction Equity Act, your Aetna plan is required to cover behavioral health services at the same level it covers medical care. For most Aetna plans, that means a specialist copay (typically $20 to $50) once your deductible is met, and sessions are FSA and HSA eligible. If you want to double-check before calling us, dial the member services number on your insurance card and ask: 'Do I have in-network mental health benefits, and what is my specialist copay?' We're also happy to do this legwork for you. It's one of the first things we handle after you schedule your free consultation.
Does Aetna cover therapy for this?
Insurance covers therapy when it treats a diagnosed mental health condition, and perinatal mood and anxiety disorders qualify. Under the Mental Health Parity and Addiction Equity Act, a Aetna plan cannot apply stricter visit limits or higher cost-sharing to behavioral health than it applies to comparable medical care. What the plan will not do is pay for sessions billed with no diagnosis at all, which is why your first session includes an assessment.
Phoenix Health is in-network with Aetna in Arizona, California, Florida, Georgia, Louisiana, Minnesota, Montana, New York, South Carolina, Texas and Washington, so we bill the plan directly and you pay only your copay or coinsurance. On most Aetna plans therapy is billed as a specialist visit: you pay a copay, typically $20 to $50, once your deductible is met, and Phoenix Health bills Aetna directly for the rest. High-deductible plans pay the contracted rate until the deductible is satisfied, then drop to the copay. Meritain and other self-funded Aetna plans use the Aetna network but your employer sets the cost-sharing, so the copay varies more than on a standard commercial plan.
Checking it yourself: Call the behavioral health number on the back of your card and ask three questions: is this provider in-network for outpatient behavioral health, what is my specialist copay, and has my deductible been met? We do this verification for you before your first session at no charge.
Your card might say any of these — all of them are Aetna:
âś“ In-network coverage
Your benefits apply directly — no superbills or out-of-network claims.
âś“ Benefits verified upfront
We confirm your copay and deductible before your first session, at no charge.
âś“ Telehealth covered
Your plan covers virtual sessions at the same rate as in-person specialist visits.
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
When I had my first child, I was shocked by the challenges I faced as a new mother.
Like so many women, the shame of postpartum depression and anxiety kept me silent for nearly two years. When I began working with postpartum clients, I was struck by how many stories were so similar to my own.
I founded Phoenix Health to make it easier for new mothers like me to find the right help.
Our specialists who accept Aetna
Most Phoenix Health therapists hold PMH-C certification — the gold standard in perinatal mental health.
Golda Fleischman
LMSW · Licensed therapist
A birth doula before she was a therapist, she helps you prepare for a birth or process a hard one.
Licensed in NY
Amanda Flowers
LPC, PMH-C · Licensed therapist
Works with perinatal OCD and neurodivergence, using body-based tools to calm the nervous system.
Licensed in TX, MT
Lyndsay Ward
LCSW, PMH-C · Licensed therapist
An attachment theory expert who helps you unpack how your childhood shows up in your parenting.
Licensed in NY
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Natalia Cruz Navarro
EspañolLCSW · Licensed therapist
12+ years with families through high-risk pregnancies, fetal diagnoses, and NICU stays.
Licensed in CA
Stories that may sound familiar
These are examples, not client reviews. We don't publish our clients' words. What's said in therapy stays there.
“My emergency C-section left me with nightmares and panic attacks. I couldn't talk about the birth without shaking. Therapy helped me process the trauma and reclaim my story. I'm pregnant again now, and I actually feel ready.”
“I had intrusive thoughts that terrified me. I was too ashamed to tell anyone, even my partner. My therapist explained postpartum OCD and helped me understand I wasn't dangerous. The intrusive thoughts are 90% gone now. I wish I'd reached out sooner.”
“After three failed IVF rounds, I was told to just stay positive. My therapist was the first person who acknowledged the grief, the anger, and the exhaustion, and helped me process what I had been through. I finally felt seen.”
In-network with
Aetna.
Most clients pay less than $20 per session.
Accepted Insurance Networks
Your rights under federal parity law
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), your insurer cannot impose more restrictive limits on mental health coverage than on comparable medical or surgical benefits.
See full coverage map →Ready to book? Here’s how it works.
The whole process takes about 5 minutes. We handle insurance — you just show up.
- 1
Book your free call
A quick 15-minute chat to hear what you're going through, answer your questions, and make sure we're a great fit for your needs. No cost, no commitment.
- 2
Get matched
We'll pair you with the right specialist for your specific situation. We'll also check your insurance, so you know your exact cost per session before moving forward.
- 3
Start your first session
Meet your therapist from the comfort of home. No commute, no waiting rooms, no judgment. Most clients notice a real difference within just 2 to 3 sessions.
No commitment · Most insurance accepted · Available this week
Common questions
- Insurance covers therapy when it treats a diagnosed mental health condition, and perinatal mood and anxiety disorders qualify. Under the Mental Health Parity and Addiction Equity Act, a Aetna plan cannot apply stricter visit limits or higher cost-sharing to behavioral health than it applies to comparable medical care. What the plan will not do is pay for sessions billed with no diagnosis at all, which is why your first session includes an assessment. Phoenix Health is in-network with Aetna in Arizona, California, Florida, Georgia, Louisiana, Minnesota, Montana, New York, South Carolina, Texas and Washington, so we bill the plan directly and you pay only your copay or coinsurance. On most Aetna plans therapy is billed as a specialist visit: you pay a copay, typically $20 to $50, once your deductible is met, and Phoenix Health bills Aetna directly for the rest. High-deductible plans pay the contracted rate until the deductible is satisfied, then drop to the copay. Meritain and other self-funded Aetna plans use the Aetna network but your employer sets the cost-sharing, so the copay varies more than on a standard commercial plan.
- PMH-C (Perinatal Mental Health Certification) is awarded by Postpartum Support International (PSI) to clinicians who have completed advanced training in perinatal mental health — covering postpartum depression, anxiety, OCD, birth trauma, and related conditions. It represents the gold standard of specialization in this field.
- If you're struggling — with your mood, your thoughts, your relationship, or just how you're coping — that's enough of a reason to talk to someone. You don't need a diagnosis. A free consultation is a low-commitment first step.
Trusted by leading voices in parenting and mental health
OBs, doulas, and pediatricians refer their patients to us because we specialize in maternal mental health.
The sooner you start,
the sooner you'll
feel like yourself again.
You've been surviving. It's time to start healing.
No commitment · Covered by insurance · Available this week