How to Get Coverage by Plan Type

Book PCP Visit First

Schedule an appointment with your Primary Care Physician and request a formal written referral for behavioral health.

Mandatory step

Select In-Network

Log into your HMO portal to search strictly within your local medical network provider directory list.

Confirm Authorization

Call insurance prior to your first session to ensure your PCP's referral is fully approved in billing system.

Pay Deductible & Copay

Once deductible is met, many HMOs charge a simple fixed copay per session for in-network therapists.