New Reflections Counseling
Insurance Verification
Let us verify your mental health benefits
How Our Insurance Verification Process Works
Understanding your mental health benefits shouldn’t be complicated. At New Reflections Counseling, we make verifying your insurance coverage simple and stress-free so you can focus on what matters most—your wellbeing. When you submit the form below, our team takes care of the rest.
First, we securely receive your information and review the details of your insurance plan. Next, we contact your provider directly to confirm your coverage for therapy services, including any copays, deductibles, or session limits that may apply. We also check whether you have in-network or out-of-network benefits.
Once verification is complete, a member of our team will email what your plan covers. This typically takes a couple of hours, giving you a clear understanding of your benefits.
Verifying your insurance is not a guarantee of payment. We do urge you to check with your insurance to verify any copayment amount or deductible.
Insurance we accept
We are in network with:
- Aetna
- Cigna
- UnitedHealthcare (UHC) (not in Illinois; not yet in Tennessee)
- Blue Cross Blue Shield (BCBS)
- Tricare
Blue Cross Blue Shield is out of network in South Carolina and in network in Illinois only with Jaime Doss, and Tricare is out of network in Illinois; if you have Tricare, see therapy for veterans and military families.
For what each plan covers, see our guides to Aetna therapy coverage, Cigna, UnitedHealthcare, Blue Cross Blue Shield and Tricare.
Carriers we are not in network with
We are not in network with Medicare or Medicaid. If either is your primary coverage, we are not the right practice for you, and we would rather say so here than at intake.
If Medicare or Medicaid sits behind one of the plans above as a secondary policy, call us and we will check what that means in your case, because it varies by plan.
If you are paying without in-network coverage, some plans reimburse part of the cost of seeing an out-of-network therapist. Our guide to out-of-network therapy reimbursement explains how that works, what a superbill is and what to ask your insurer.
Participation and benefits vary by state and by the specific plan you hold — two people with the same insurer can have very different coverage. Rather than ask you to work that out, send us your details on the form below and we will verify it with your insurer directly. The check is free and commits you to nothing.
What your plan is likely to cover
Most plans in these networks cover individual therapy for a diagnosable condition, subject to your copay and deductible. Couples counseling is treated differently by many insurers and is often not a covered benefit, which surprises people — we go through this in more detail in our post on whether insurance covers marriage therapy.
If we are out of network with your plan
That is not the end of it. A great many plans include out-of-network mental health benefits that reimburse part of each session once you have met an out-of-network deductible. In that case we provide a superbill — an itemized receipt with the codes your insurer needs — which you submit for reimbursement. Our post on out-of-network reimbursement explains how that works, and paying for therapy sets out our fees.
Questions worth asking your insurer
If you would rather check yourself, these five questions get you most of the way:
- Do I have outpatient mental health benefits, and does telehealth count the same as in person?
- What is my copay per session, and do I have a deductible to meet first?
- How much of my deductible have I already met this year?
- Is there a limit on the number of sessions per year?
- Do I need a referral or prior authorization?
Common questions
Do you take my insurance if I live in another state? We are licensed in twelve states and see clients by telehealth throughout them. Network participation is arranged state by state, so the answer depends on where you are and which plan you hold — which is exactly what the verification form settles.
Is couples counseling covered? Often not, because most insurers cover treatment of a diagnosed condition in one identified client. Where it is not covered we will tell you the self-pay rate before you book, not after.
What if I do not want to use insurance at all? That is a legitimate choice and a common one — using insurance means a diagnosis goes on record. We see self-pay clients and are glad to discuss it.