Using Insurance for Therapy at Focused Solutions

Accessing therapy is an important step toward healing, growth, and resilience. But one  of the first questions most people have  is whether health insurance can help cover the cost of counseling. At Focused Solutions, we believe that financial concerns should not be a barrier to receiving thoughtful, evidence-based mental health care, which is why we accept a variety of insurance plans at each of our locations.

Our team works with clients to help them understand how their insurance may apply to therapy and related services, so they can focus on their mental health.

Accepted Insurances and EAPs

In an effort to provide an affordable approach to your therapeutic care, Focused Solutions LLC accepts many forms of insurance. If your insurance is not listed, call us to discuss your out-of-network benefits or our self-pay rate to find the best option for you.

 

  • Aetna
  • Aetna EAP
  • Acentra EAP
  • Anthem Blue Cross Blue Shield
  • Ambetter of Tennessee
  • Business Health Services EAP (BHS)
  • Blue Cross Blue Shield of Tennessee
  • Blue Cross Blue Shield of North Carolina
  • Carefirst/Blue Cross Blue Shield
  • Carelon Behavioral Health
  • Cigna/Evernorth
  • Cigna/Evernorth EAP
  • Curalinc EAP
  • Health Advocate EAP
  • John Hopkins EHP
  • Johns Hopkins Healthcare
  • John Hopkins USFHP
  • Magellan Healthcare
  • Magellan EAP
  • Medicare
  • Medicaid
  • Personal Assistant Services EAP (PAS)
  • Optum Behavioral Health
  • Optum EAP
  • Tricare
  • United Behavioral Health (UBH)
  • United Healthcare

If your EAP is not listed, please check with the office regarding our participation

focused solutions contact us form

How Health Insurance Can Support Mental Health Care

Under federal mental health parity laws, most health insurance plans are required to offer coverage for mental health services that is comparable to coverage for medical care. While coverage details vary by plan, many policies include benefits for:

  • Individual therapy
  • Couples and family counseling
  • Group therapy
  • Treatment for anxiety, depression, trauma, and stress-related concerns
  • Substance use counseling and recovery support
  • Care for co-occurring mental health conditions

Insurance coverage often depends on factors such as diagnosis, medical necessity, provider network status, and session limits. Focused Solutions helps clients navigate these details with clarity and care. 

Using Insurance for Individual, Couples or Family Therapy

Therapy looks different for everyone. Some people seek individual counseling to manage anxiety, depression, or life transitions. Others pursue couples or family therapy to strengthen relationships, improve communication, or navigate shared challenges.

Many insurance plans offer coverage for these services when provided by licensed clinicians. Sessions may require a copayment, coinsurance, or deductible depending on your plan. Our administrative team can help review your benefits and explain what to expect, so there are no surprises along the way.

Insurance Coverage for Group Therapy and Supportive Programs

Group therapy can be a powerful, evidence-based option for connection and growth. In group settings, clients benefit from shared experiences, guided facilitation, and skill-building in a supportive environment.

Some insurance plans cover group therapy as part of outpatient mental health care. Coverage may differ from individual therapy, but it can be an accessible and effective option for many people. When available, we help clients explore whether group services align with both their clinical needs and insurance benefits.

What Insurance May Not Cover

While insurance can be a valuable resource, it does not typically cover every aspect of care. Some services, such as certain wellness offerings, extended sessions, or non-clinical programs, may be self-pay. Additionally, coverage limits, authorizations, or documentation requirements may apply.

We are transparent about these distinctions and work with clients to explore options that feel sustainable and aligned with their goals.

A Collaborative Approach to Understanding Your Benefits

Navigating insurance can feel overwhelming, especially when you’re already carrying stress or emotional weight. At Focused Solutions, we approach this process with the same compassion and care we bring to therapy itself.

Our team can help you:

  • Verify insurance benefits for therapy
  • Understand copays, deductibles, and session limits
  • Explore treatment options that fit your coverage and goals
  • Make informed decisions about care

You don’t have to figure this out alone. Support starts with understanding, and we’re here to help you take that next step with confidence.

Our Locations

We are proud to offer therapy centers in multiple locations to serve you better. Our facilities are conveniently located in Brentwood, Cary, Columbia, Louisville, Richmond, and Washington D.C. Our dedicated team of professionals is committed to providing compassionate and effective mental health care to help you on your journey toward wellness. Whatever challenges you may be facing, we are here to support you every step of the way.

For self-paying clients, please bring your full cash, check, or major debit/credit card payment with you. You may also use our online payment system for your convenience.

Please have your insurance information readily available during your first contact with us.