Guides
Using Insurance for Therapy
Practical questions about coverage, reimbursement and what to confirm before starting care.
The Plans Empower Accepts
Accepted plans include Aetna, Blue Cross Blue Shield, Anthem, Cigna, UnitedHealthcare, Optum, Tricare, Carelon (Beacon), Oscar, Headway, Curative, First Health. A plan name is a starting point, not a guarantee that every policy, provider or service has the same benefits. Ask the office about the service and clinician you are considering, then confirm your benefits with your insurer. Coverage can differ between therapy and psychiatric appointments. If more than one service is part of your plan, ask about each rather than relying on one answer for all visits.
What In-Network Can Mean
When a provider participates in your network, your plan sets the terms for covered services and your share of the cost. A deductible, copay or coinsurance may still apply. You may also need to confirm whether telehealth is included and whether authorization is required. Insurance acceptance does not mean visits are free. The office can discuss participation, but the insurer is the source for details about your particular policy and remaining benefits.
Out-of-Network Options
Call the office and we will talk through your options.
Questions to Ask Your Plan
Before starting, ask how your benefits apply to the appointment you want and to telehealth in your state. Write down the response or keep the insurer's written explanation so you can refer back to it. Details may change, so a past claim is not always an answer about a new service. If the explanation is unclear, ask the plan to distinguish provider participation from benefits and reimbursement rather than treating those as the same question.
- Is this clinician in my network for this service?
- What deductible, copay or coinsurance applies?
- Are video visits covered, and is authorization needed?
- Do I have out-of-network benefits and a submission deadline?
Rates and a First Conversation
Contact the office for current rates. The office offers a free 15-minute phone consultation so you can ask about availability, services and practical next steps. A consultation is not a clinical intake or an insurance authorization. You can ask which information is needed to check participation without sending health or medication details by email. If you are considering therapy and medication appointments, mention both so the discussion covers the relevant services.
When to Reach Out
Contact the office when coverage questions are making it hard to decide whether to arrange care, or when you want to understand the difference between an intake and a consultation. You do not need every insurance answer before making the first call. Keep benefit questions separate from clinical details, and ask your plan directly about reimbursement. This guide explains general processes; it cannot interpret your policy or guarantee payment for a visit.
Planning Care in Your State
You need to be physically in Florida during each session. The office can clarify availability. Bring questions about privacy and coordination without needing to choose a provider or method from an article alone.
Frequently Asked Questions
Does an accepted plan guarantee my visits are covered?
No. Verify the clinician, service and your specific benefits with the office and your insurer.What if I am out of network?
Call the office and we will talk through your options.Is the consultation free?
Yes. Empower offers a free 15-minute phone consultation. Contact the office for current rates for ongoing services.
Related Pages
Related Pages
These guides offer general education, not a diagnosis or treatment advice. A clinician can discuss what fits your circumstances.
Talk About Your Situation
A free 15-minute consultation call is the way to talk about your situation and ask about a next step. You do not need to choose a treatment before calling.
Existing clients: Client Portal
Please do not send health, treatment or medication details by email. If you are in crisis, call or text 988, or call 911.