How much does therapy cost with an Aetna plan?
The cost of sessions depends on A) your specific plan, and B) whether you’re seeing a therapist who’s in or out-of-network.
A) To find out how much your specific Aetna plan covers, ask the insurance company directly or your therapist.
- Most Aetna plans require a 20% coinsurance rate after you’ve met your deductible.
That means Aetna will cover 80% of the cost of services, if you’ve met your deductible.
- Your copay could be as little as $15.
B) Are you see a therapist who is in the Aetna network, our out of network?
- In-network: If your therapist is in-network, you will have to pay a copay and/or a deductible, and the final cost depends on your specific plan.
Out-of-network: If you are seeing a therapist out-of-network, then you will have to pay the entire fee the therapist charges up front.
- You may be able to get reimbursed using your out-of-network benefits.
Aetna also provides resources for predicting and managing your healthcare costs with its online payment estimator.
What types of therapy does Aetna cover?
The forms of therapy Aetna covers are usually evidence-based models.
These may include:
A therapist may use different types of therapy approaches in your sessions.
What therapy types does Aetna not cover?
Aetna may not cover the following
- Couples counseling
- Life coaching
- Career coaching
- Session with interns working towards state licensure
- Some specific forms of therapy, such as art therapy
- Therapy sessions occurring outside the therapy office, e.g., exposure and response prevention therapy
What conditions does Aetna cover?
Mental health conditions Aetna covers may include (but are not limited to):
Does Aetna cover online therapy?
Yes, certain Aetna plans cover online therapy, as some have partnerships with online networks.
Does Aetna cover couples counseling?
No. While it depends on your specific plan, it is unlikely that Aetna will cover couples counseling.
Do I need to see my doctor before visiting an Aetna therapist?
No, under most Aetna plans you can see a therapist for outpatient services without first consulting your primary care physician.
How can I find therapists who accept Aetna?
If you are outside these regions, you can use Aetna’s search function to find a therapist in your area who takes your insurance. You can also check the list of therapists who have been recommended to us, or ask your primary care physician for a recommendation.