Medically reviewed by Gabriela Asturias, MD on May 23, 2025When looking for an in-network Blue Cross and Blue Shield Therapist, it is imporatnt to keep in mind that each Blue Cross and Blue Shield member card points to a local company such as Anthem Blue Cross, Blue Shield of California, or Blue Cross Blue Shield of Texas. Those regional plans all belong to the Blue Cross Blue Shield Association, but they set their own networks, copays, and digital-health partnerships. In this guide we will help you find and connect with a Blue Cross Blue Shield therapist covered by your relevant plan, and tap into telehealth or self-help tools while you wait.
Licensed Independent Clinical Social Worker (LICSW)
Remote only
Jamie Farrelly is a Licensed Independent Clinical Social Worker (LICSW) in undefined, undefined. They treat Relationship Violence/Stalking/Harassment, Physical Assault, Posttraumatic Stress Disorder (PTSD).
College life can be overwhelming. I help young adults (18+) build coping skills in a safe, inclusive space to navigate stress, trauma, and life changes
Psychiatric Nurse Practitioner
486 W Boughton Rd, Bolingbrook, Illinois 60440
Ada Wang is a Psychiatric Nurse Practitioner in Bolingbrook, Illinois. They treat Trauma, Self-Harm, Anger Issues.
The best of mental healthcare in one place. At Geode, we combine full-spectrum psychiatry and talk therapy to better meet changing patient needs.
Licensed Clinical Social Worker (LCSW)
4909 Waters Edge Drive, Raleigh, North Carolina 27606
Christopher Deviney is a Licensed Clinical Social Worker (LCSW) in Raleigh, North Carolina and has been in practice for 6 years. They treat Depression, Drug Use, Anxiety.
I welcome all clients seeking to work together towards a better tommorow, one day at a time.
Psychiatric Nurse Practitioner
2460 West Ray Road, Chandler, Arizona 85224
Kelly Huffaker is a Psychiatric Nurse Practitioner in Chandler, Arizona and has been in practice for 5 years. They treat Anxiety, Schizoaffective, Panic.
Dedicated to fostering a supportive environment where individuals can find healing, understanding, & empowerment on their journey towards mental wellness.
Licensed Clinical Social Worker (LCSW)
Remote only
Orvon White is a Licensed Clinical Social Worker (LCSW) in undefined, undefined and has been in practice for 8 years. They treat Conflict Resolution, Gender Identity, Performance Anxiety.
My intention is to create a safe space where clients feel validated and affirmed in their lived experiences and that they feel lighter when they leave.
Licensed Professional Counselor (LPC)
54 Park Place, Grand Chute, Wisconsin 54914
Katy Jones is a Licensed Professional Counselor (LPC) in Grand Chute, Wisconsin and has been in practice for 22 years. They treat Career, Panic, Parenting Concerns.
Katy specializes in divorce mediation, depression, anxiety and stress management, assertiveness training, and various relational issues.
For anyone overwhelmed by finding help, MiResource makes the process simple, fast, and reliable.
— Kate
Does Blue Cross cover therapy? In almost every plan, yes. All 34 independently owned Blue plans must follow federal mental-health parity rules, so outpatient therapy is covered on the same footing as a doctor visit or X-ray.
Typical costs often look like this:
| Plan Example | In-Network Cost for Individual Therapy* |
|---|---|
| FEP Blue Standard Option (nationwide Federal plan) | $30 copay |
| Blue Cross Blue Shield Service Benefit Basic Option | $35 copay |
| Many state-marketplace Silver HMOs | $0–$40 copay (or 20% after deductible on high-deductible plans) |
*Always confirm your own Evidence of Coverage—each licensee may tweak rates.
Key coverage facts:
If you still wonder whether a particular therapy Blue Cross Blue Shield session is billable, open the member portal or app and run the real-time cost estimator.
| Provider Type | Typical Role |
|---|---|
| Therapist (LCSW, LMFT, LPC) | Weekly talk therapy, life transitions, anxiety |
| Psychologist (PhD, PsyD) | Testing, trauma-focused or specialty modalities |
| Psychiatrist (MD/DO) | Medication management, complex diagnoses |
Blues networks are comprehensive: across all plans you’ll find more than 36,000 outpatient mental-health providers, so chances are high you can match on location, language, and specialty.
Sam, a 42-year-old teacher near Austin, carries a Blue Cross Blue Shield of Texas (BCBSTX) PPO card and started feeling post-pandemic exhaustion and insomnia. Here’s how Sam connected with a therapist that accepts BCBS in just 10 days.
| Stay In-Network | Go Out-of-Network |
|---|---|
| Predictable copay/coinsurance | Choose any specialist, even outside the Blues ecosystem |
| Claims filed automatically | Pay upfront, then submit for partial reimbursement |
| Integrated with pharmacy & care-coordination teams | May access niche modalities or shorter waitlists |
If you can’t find an in-network appointment within 10 business days, ask your plan for a “network-gap exception.” Under parity rules, BCBS must either help you find faster in-network care or approve partial out-of-network reimbursement at in-network rates.
| Plan Category | Common Member Cost* |
|---|---|
| Federal Employee Program (FEP) Standard | $30 in-office; $0 Teladoc mental-health video |
| Large-Group PPOs (Anthem, Highmark, Horizon) | $20–$40 copay per visit |
| Marketplace Silver HMO | $0–$35 copay, or 20% after deductible on high-deductible designs |
| Medicare Advantage PPO | $40 copay per therapy visit; many plans $0 for telehealth |
*Figures are averages; always verify your specific plan.
Recovery is possible. With early intervention, a supportive community, and the right professional care, you can overcome challenges and build a fulfilling life. We’re here to help you find the support you need.
