Using insurance for online therapy in Maryland: how to check your coverage

Starting online therapy is a real step, and checking whether your insurance covers it can feel like one more thing to figure out. This guide walks through the steps in plain terms, so you know what to look for. You can also just email or call us with your member ID and date of birth. We are happy to check your specific benefits and provide you a summary.

Start with your plan's mental health benefits

Every health plan describes its mental health benefits a little differently. Look in your plan documents for a section called behavioral health or mental health, or sign in to your insurer's member portal. Pay attention to what it says about outpatient therapy, the category that covers most talk therapy.

Confirm the therapist's network status

In network means a therapist has agreed to a set rate with your insurer. Coverage is often better with in-network providers. Chesapeake Behavioral Health Services accepts CareFirst BCBS, Cigna, Johns Hopkins EHP and United Healthcare. Coverage still depends on the specific plan you have, so check your own plan, not only the insurer's name.

Ask the practice before you book

Once you know your insurer, contact the practice before you book. Ask which insurers we accept and whether your plan is one of them. Asking first means you are not guessing at the start of your care.

What copay, deductible and out-of-network mean

These terms appear on almost every plan, so it helps to know what they mean in general:

• Copay is a fixed amount you pay for a visit, set by your plan.

• Deductible is the amount you pay for covered care each year before your plan begins to share the cost.

• Out-of-network means a provider has no agreement with your insurer. Coverage is often lower for out-of-network care, and you may pay more.

Your plan documents show the exact amounts that apply to you. This guide is general information, so check with your insurer before a session.

A short checklist before you book

• Find the mental health section of your plan.

• Confirm the therapist's network status with your insurer.

• Check if you have a deductible and if it applies to outpatient therapy.

• Confirm your copay.

Checking coverage is one step toward finding the right fit. If you have questions about the practice, reach us at hello@cbhtherapists.com or call 410-343-9201.