Finding a therapist who takes your insurance can feel like a maze. These steps can help.

1. Call your insurance company

Use the number on your card and ask about outpatient mental health benefits: your copay or deductible, whether there’s a limit on sessions, and whether you need a referral.

2. Search in-network providers

Your insurer’s directory is a starting point, but it’s not always up to date. Confirm directly with the therapist’s office.

3. Ask about out-of-network options

If your plan isn’t accepted, ask whether you may be eligible for out-of-network reimbursement.

4. Ask about fit

Credentials and coverage matter, but so does feeling comfortable with your therapist. Consider asking about their approach and experience with your concerns.

Denise Ferrazano, MSW, LCSW accepts Blue Cross Blue Shield, Aetna, and NYSHIP. See fees and insurance for details.

If you’re ready to talk, request an appointment or call (516) 864-6600. If you are in crisis, call or text 988 or call 911.

This article is for general information and is not a substitute for professional advice, diagnosis, or treatment.