How To Find A Therapist That Takes Aetna
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How To Find A Therapist That Takes Aetna

Trying to find the right therapist can be tough. It can be extra challenging when you are also trying to find one that also accepts Aetna insurance. Not every therapist accepts insurance. Also, not every therapist that accepts insurance is in-network with Aetna. This guide below will help you find the right therapist for you.




Table of Contents

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Is Aetna A Good Insurance Company For Mental Healthcare?

Is There A Limit To My Mental Health Benefits With Aetna?

How Do I Find A Therapist In Network With Aetna?

Is It Better To Work With A Therapist In-Network With Aetna?

Are Out-Of-Network Therapists Better Than In-Network Therapists?






Is Aetna A Good Insurance Company For Mental Healthcare?


Aetna is one of the largest health insurance providers in the United States and offers coverage for mental healthcare services. However, whether Aetna is considered a good insurance option for mental healthcare can depend on various factors.


Aetna’s coverage for mental healthcare typically includes services such as therapy sessions, counseling, and psychiatric treatment. They may also cover medications prescribed by mental health professionals. However, it’s important to note that specific coverage details can vary based on the specific plan you have with Aetna, as well as your location.



Aetna Insurance Therapy

Photo by Andrea Piacquadio



Is There A Limit To My Mental Health Benefits With Aetna?


It depends on the specific health insurance policy that you have. Some health insurance policies do have limits on mental health benefits, such as a cap on the number of therapy sessions per year or a limit on the total amount of coverage for mental health treatment.


However, many health insurance policies now provide coverage for mental health services that is comparable to coverage for physical health services. This is due in part to mental health parity laws, which require insurance companies to provide equal coverage for mental health and physical health services.


To find out the specifics of your health insurance policy’s mental health coverage, you should contact your insurance company directly or review your policy documents.






How Do I Find A Therapist In Network With Aetna?


To find an in-network therapist with Aetna, you can follow these steps:

  1. Visit the Aetna website: Start by visiting the official Aetna website. Make sure you have your Aetna insurance card or policy details handy.
  2. Access the Provider Directory: Look for the “Find a Doctor” or “Provider Directory” option on the Aetna website. This directory allows you to search for healthcare providers within your network.
  3. Choose your plan: If prompted, select your specific Aetna insurance plan. Different plans may have different networks and coverage options.
  4. Select mental health or behavioral health: Look for the option to search for mental health providers or therapists specifically. It may be listed as “Mental Health” or “Behavioral Health” under the specialty or service type.
  5. Enter your location: Provide your ZIP code or location information to find therapists near you. You may also have the option to search within a certain radius or specify other location preferences.
  6. Narrow down your search: You can filter the search results further by specifying additional criteria such as the therapist’s gender, languages spoken, availability, or specific therapeutic approaches.
  7. Check for in-network providers: Look for therapists marked as “In-network” or “Participating” to ensure they accept Aetna insurance. These providers are more likely to offer services at a lower cost to you.
  8. Verify coverage: While searching, it’s essential to double-check that the therapist you’re interested in is still part of Aetna’s network and that your specific insurance plan covers their services. You can do this by contacting Aetna directly or calling the therapist’s office.
  9. Contact the therapist: Once you have found a potential therapist, contact their office to confirm their availability, schedule an appointment, and discuss your insurance coverage. During this conversation, you can also ask any questions you may have about their practice and approach.


Remember, it’s always a good idea to verify the details of your coverage directly with Aetna and the therapist’s office to ensure you understand any potential out-of-pocket costs, copayments, or deductibles associated with your mental health services.


ALL IN is an in-network provider for mental health counseling.



Is It Better To Work With A Therapist In-Network With Aetna?


In-network therapists have negotiated rates with insurance companies, which often results in lower out-of-pocket costs for you.


Working with an in-network therapist can offer you a broader range of options to choose from, as insurance companies maintain lists of participating providers. If you have specific preferences or requirements for a therapist, such as specialization or location, it may be easier to find a suitable match within the in-network providers.


Since they are familiar with your insurance plan’s requirements, they can handle the billing and paperwork on your behalf, streamlining the administrative aspects of therapy. Out-of-network therapists may require more effort in coordinating insurance claims and handling the financial aspects.


It’s important to note that insurance coverage and network providers can vary significantly depending on your insurance plan and location. It’s advisable to contact your insurance company directly to understand your mental health coverage, including any copayments, deductibles, and limitations on the number of sessions. Additionally, consider discussing your options with potential therapists to assess their expertise, fit, and willingness to work with your insurance plan if you decide to go in-network.



Are Out-Of-Network Therapists Better Than In-Network Therapists?


The quality of therapists can vary greatly regardless of whether they are in-network or out-of-network. It’s important to understand that being in-network or out-of-network refers to the therapist’s relationship with insurance companies and has no direct correlation with their skills or effectiveness.


In-network therapists have a contract with specific insurance companies, which means they have agreed to provide services at pre-negotiated rates. This arrangement can make therapy more affordable for individuals who have insurance coverage. However, the downside is that in-network therapists may have limitations on the number of sessions covered or specific treatment approaches dictated by the insurance company.


On the other hand, out-of-network therapists do not have contracts with insurance companies. As a result, they can set their own rates and have more flexibility in terms of treatment approaches and session durations. However, the cost of therapy may be higher for individuals who seek out-of-network care, and insurance reimbursement for these services may be limited or unavailable.


When considering the quality of therapists, it’s crucial to focus on factors such as their qualifications, experience, expertise in treating specific concerns, and the therapeutic relationship they can establish with you. These aspects can determine the effectiveness of therapy and the progress you make. It’s recommended to research therapists, read reviews, and consider personal recommendations to find a therapist who is the right fit for you, regardless of whether they are in-network or out-of-network.


Ultimately, the decision between in-network and out-of-network therapists should depend on your personal circumstances, preferences, financial resources, and the availability of qualified professionals in your area. It’s also advisable to contact your insurance company to understand your coverage options and any potential reimbursement for out-of-network services if you decide to go that route.





Medically Reviewed By: Dr. Kyle Zrenchik, PhD, LMFT

Published : 07/24/2023



Disclaimer: ALL IN Therapy Clinic aims to improve people’s lives. We do this through providing effective mental health counseling by passionate professionals. Inspired by this, we write content for your own education. Also, our content is researched, cited, reviewed, and edited by licensed mental health professionals.  However, the information we provide is not intended to be a substitute for professional medical advice, diagnosis, or treatment.  Additionally, it should not be used in place of the advice of a qualified healthcare provider.






Written and reviewed by

Dr Kyle Zrenchik, PhD, ACS, LMFT

Dr. Kyle Zrenchik is the Co-Founder of ALL IN, the Creator of the Couples Erotic Flow model for treating sexual issues in individuals and couples, Designer of the Deep Dive programs at ALL IN, and is one of the most well-respected couples counselors in the Twin Cities.

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