How much does therapy cost with an Aetna Behavioral Health plan? While your Aetna plan likely covers therapy, the extent of coverage and requirements for coverage depend on your particular plan. If you receive health insurance through your employer, reach out to your employer’s human resources department. If you cannot find coverage information for Outpatient Mental Health, you can contact Aetna for assistance. If the Outpatient Mental Health line item indicates that these services are not covered, then your health insurance plan does not cover therapy services. Here is an example of what your Aetna Summary of Benefits may look like, and where to find the Outpatient Mental Health line item: You can find your Summary of Benefits by logging into your Aetna Member Services portal (called “myAetna”), calling member services, or checking your employer’s benefits portal. Therapy is considered a type of outpatient mental health service. To check whether your Aetna plan covers therapy, look for the “Outpatient Mental Health” line item on your Summary of Benefits. How do I check if my Aetna plan covers therapy? Your health insurance plan was created before 2014, when the ACA’s requirement that health insurance plans cover mental health services was enacted.There are other situations in which your Aetna plan may not cover the specific type of therapy service you are seeking, or where your coverage may not apply until you spend a certain amount on medical services first.You work for a large employer that does not include mental health benefits in its insurance coverage.While rare, your Aetna plan may not cover therapy services if: While not required by federal law, the vast majority of large employers also cover mental health services. Health insurances offered through the health insurance Marketplace or through small employers are required by the Affordable Care Act to cover mental health services. Yes, nearly all Aetna Behavioral Health plans cover therapy for mental and behavioral health conditions. Does Aetna Behavioral Health cover therapy? This guide outlines the coverage that Aetna typically provides for therapy services. Aetna is one of the largest health insurance companies in the U.S., with coverage that includes mental health, behavioral health, and therapy services.
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