At Cerebral, our mission is to enhance accessibility to high-quality mental health care, and we strive to make our services affordable. We offer the option to utilize insurance coverage for select major commercial health plans, and we are continuously working to establish additional in-network partnerships with insurance providers.
To confirm your in-network subscription, you can request assistance from our Support team by sending a message from your client account and our dedicated team would be happy to assist you with uploading your insurance information. Alternatively, you can refer to your Cerebral Dashboard under the "Insurance Information" section. During the eligibility check, our system verifies coverage status, outpatient mental health service coverage, and provider capacity. If you are eligible, you will be enrolled in an in-network insurance subscription. However, if you do not qualify for an in-network subscription, you will remain on an out-of-network insurance subscription.
For further information on both in-network and out-of-network insurance, we provide detailed explanations below.
Here is a list of insurers we are currently in-network with, by state:
- Anthem: GA, CA, ME, NH, CT
- If you have Anthem insurance and do not see your specific Anthem insurance policy listed, we recommend attempting to file your insurance through the Blue Cross and Blue Shield (BCBS) policy associated with your state. Since Anthem is a subsidiary of BCBS, it is likely that, for insurance filing purposes with Cerebral, you will need to submit your insurance under your state's BCBS policy. To locate the policy, we suggest conducting a search using the following format: "Blue Cross and Blue Shield of [your state]."
- Blue Cross Blue Shield: TX, PA, WV, CA, AR, IA, SD, NE, WY, MT, VT, MI (HMO Only)
- Cigna: CA, NY, AZ, WA, TX, FL, GA, IL, VA, PA
- If you have a Cigna insurance policy and do not see your specific insurance policy listed, then please file your Cigna as Cigna or Cigna Behavioral Health.
- Magellan Health: CA, TX
- United Healthcare / Optum: GA, CA, TX, NY, AZ, FL, PA, VA, WA
If you are enrolled as an in-network subscriber with Cerebral, you will have access to our in-network benefits, and your monthly subscription fee will be automatically adjusted to $30 once you input your insurance information. By choosing to apply your in-network coverage to your subscription, it may be necessary to reschedule your sessions with an in-network Prescriber or Therapist, depending on your specific subscription plan. We want to ensure that you receive the most cost-effective care possible, and we believe that working with providers who are in-network with your insurance plan helps in achieving this goal. It is also important to note that for clients using in-network insurance, it typically takes 60-90 days for a bill to process with an insurance company after a service.
If your insurance provider is not listed as in-network with Cerebral, it is likely that they are currently out of network. However, we may still be able to assist you in obtaining reimbursement for our services from your insurance carrier. If you have insurance that is not considered in-network with Cerebral, please contact us by sending a message from your client account or emailing firstname.lastname@example.org if you are not currently an active client. We will send you an invoice in PDF format that you can submit to your insurer for potential subscription reimbursement.
Once you log into your patient portal on your insurance company's website, you can upload the invoice to create a claim for your out-of-network services. In order for your insurer to review the claim, you will need to attend at least one session within the billing cycle. Please keep in mind that the processing of these claims may take several weeks and they will be handled entirely by your insurance company, including any reimbursement, which will be paid out by them. It's important to note that Cerebral does not offer automatic reimbursement for out-of-network clients and we are unable to provide reimbursement documentation for sessions with Therapy Associates or Care Counselors.
Reimbursements are subject to your insurance provider's terms and conditions and not all services you received through Cerebral may be eligible for reimbursement. Additionally, you may still be required to pay the remainder of your deductible before any reimbursement can be processed back.
If you found this information helpful, we would be grateful if you could share your feedback below. Your input helps us continually improve our articles and provide the most valuable information to our community.