Insurance coverage
HarborLight accepts a wide range of insurance plans, including many Medicaid plans, to help make therapy more accessible and affordable.
Insurance plans we accept include:
Aetna, Anthem Blue Cross Blue Shield, Cigna, Horizon Blue Cross Blue Shield, HUSKY, MVP, NY Medicaid, Optum, Oxford, and UnitedHealthcare.
If you don’t see your insurance listed, reach out. We’re happy to talk through your options and help you understand possible next steps.
We work with major insurance providers
Payment Options
Self-pay is also accepted for clients who are not using insurance or whose plan is out of network.
Fees are set on an individual therapist basis and may vary depending on the clinician, session type, and service provided. If we do not accept your insurance plan, we can help you explore out-of-network benefits and possible fee reimbursement options.
Verify your coverage
Know Your Benefits Before You Begin
If you prefer to check your benefits directly, call the customer service number on the back of your insurance card. A representative can walk you through your out-of-network mental or behavioral health coverage. Having this information in advance can help you better understand potential reimbursement .
When you call, consider asking the following questions:
- Do I have out-of-network mental/behavioral health benefits (PPO or POS)?
- Do I have an out-of-network deductible, and has it been met?
- What is my co-insurance percentage?
If you’d like help reviewing your answers or have questions about coverage, our team is happy to assist.