Medically reviewed by Gabriela Asturias, MD on May 23, 2025Aetna®—now part of CVS Health—covers a wide range of services, from talk therapy to inpatient treatment and digital self-help apps. What’s confusing is how to unlock that coverage without surprise bills, denials, or week-long phone marathons. This article walks you through every step, in plain English, so you can focus on feeling better instead of fighting paperwork.
Licensed Mental Health Counselor (LMHC)
1550 Madruga Avenue, Coral Gables, Florida 33146
Monik Lopez is a Licensed Mental Health Counselor (LMHC) in Coral Gables, Florida and has been in practice for 15 years. They treat Panic, Infidelity, Athletic Performance.
The most important relationship you will ever have is the one you have with yourself. If you’re struggling, we’re here to help! Call me anytime
Licensed Marriage and Family Therapist (LMFT)
1114 Grand Avenue, Saint Paul, MN, USA, Saint Paul, Minnesota 55105
Corinne Sundell, LMFT is a Licensed Marriage and Family Therapist (LMFT) in Saint Paul, Minnesota and has been in practice for 7 years. They treat Life Transitions, School Concerns, Peer Difficulties.
My job in the therapy office is to support you in re-membering the person you’d like to be, warts and all.
Psychiatric Nurse Practitioner
486 W Boughton Rd, Bolingbrook, Illinois 60440
Ada Wang is a Psychiatric Nurse Practitioner in Bolingbrook, Illinois. They treat Anger Issues, Abuse, Alcohol Use.
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 Drug Use, Avoidant Personality, Alcohol Use.
I welcome all clients seeking to work together towards a better tommorow, one day at a time.
Licensed Marriage and Family Therapist (LMFT)
Remote only
OSun Yoo is a Licensed Marriage and Family Therapist (LMFT) in undefined, undefined and has been in practice for 12 years. They treat Relationship(s) with Partner/Husband/Wife, Trauma, Anxiety.
I believe that you are the expert on yourself, and together, we can work on reconnecting with that 'you' at your best. I am a therapist at Octave, a beha
Licensed Professional Clinical Counselor (LPCC), Licensed Professional Counselor (LPC), Counselor, Psychotherapist
1684 Medina Road, Medina, Ohio 44256
Kate Stewart is a Licensed Professional Clinical Counselor (LPCC) in Medina, Ohio and has been in practice for 8 years. They treat Women's Issues, Social Anxiety, Burnout.
Our passion is creating a safe space to treat adults, children, couples, and families with their mental health needs.
The depth of provider info meant zero guesswork—my friend’s been with the same, right-fit clinicians for two years.
— Kate
Short answer: yes. When a licensed clinician decides that counseling or psychiatry is medically necessary, Aetna treats it like any other covered medical service. Most HMO, EPO, and employer PPO plans list a $0–$40 copay for in-network, 45-minute individual sessions, while high-deductible plans apply 20 %–30 % coinsurance after you meet the deductible.
Key takeaways:
No preset visit cap: session frequency is driven by clinical need, not a number in your handbook.
No referral required: you can self-refer directly to a mental-health provider on almost every commercial plan.
Prior authorization is rare: only higher-intensity programs (IOP, residential, ketamine, TMS) normally require extra paperwork.
Medicare Advantage (MA): most Aetna MA plans quote a $40 copay per individual outpatient visit.
Pro tip: Open the Aetna Health app → Find Coverage Details and plug in the exact therapist you’re considering. The estimator tool tells you your copay or coinsurance before you ever pick up the phone.
| Provider type | What they do |
|---|---|
| Therapist (LCSW, LMFT, LPC) | Weekly talk therapy for anxiety, depression, life transitions |
| Psychologist (PhD, PsyD) | Psychological testing; advanced modalities like EMDR & DBT |
| Psychiatrist (MD/DO) | Diagnosis, medication management, complex co-morbidities |
Many members mix and match: weekly sessions with a therapist that accepts Aetna plus quarterly med check-ins with an in-network psychiatrist.
Day 1, 9 AM — Online check-in. Jordan, a 29-year-old product manager, opens the Aetna portal, completes the five-minute mental-health screener, and picks a triage-call slot for noon.
Day 1, 12 PM — Care Options Call. The case manager explains that CVS Health Virtual Care can do video therapy tomorrow, while local therapists that take Aetna have openings in about 12 days.
Day 1, 3 PM — Directory Deep Dive. Using filters (evening hours, CBT, LGBTQ+ friendly), Jordan picks Marina Ortiz, LCSW—an Aetna therapist three miles away.
Day 12 — First in-person session, $25 copay on a mid-tier PPO.
Jordan’s path shows how quickly you can connect with a therapist that accepts Aetna once you know where to click and what to ask.
| Step | Action | Why it matters |
|---|---|---|
| 1. Self-refer online or by phone | Online: sign in to Aetna Health → Behavioral Health. Phone: call 1-888-632-3862 (TTY 711) and say, “I’d like to schedule therapy.” Directories like MiResource.com are often easier to use and more frequently updated with accurate information about in-network providers. However, it’s always a good idea to double-check that any provider you find is also listed in your official Aetna directory to confirm coverage. | No primary-care referral needed; you’re in control of the process. |
| 2. Complete the quick screening | Five minutes of questions on symptoms, safety, and preferences. | Be honest - but if relevant - flag urgent concerns (e.g., thoughts of self-harm) to unlock 24- to 48-hour options. |
| 3. Filter the directory | Set distance, specialty, telehealth, language, evening hours; look for the green “Accepting New Patients” badge. | Add keywords like “CBT,” “trauma,” or “ADHD” to drill down. |
| 4. Confirm cost | Click Cost Estimator in each profile. | HDHP members see the exact contracted rate until their deductible is met. |
| 5. Book the slot | Pick in-person, CVS Health Virtual Care (often same week), or Teladoc. | CVS advertises many mental-health visits within seven days—or same day if you’re flexible. |
| 6. Activate free digital supports | Most plans bundle Calm, Sanvello, or myStrength. | Use them as homework between sessions or while you wait for the first visit. |
| Stay In-Network | Go Out-of-Network |
|---|---|
| Predictable copay/coinsurance; claims filed for you. | Pay full fee up front, then submit a superbill for partial reimbursement. |
| Integrated chart and pharmacy. | Access niche specialties or shorter waits in saturated cities. |
If you can’t book an in-network appointment within 10 business days—Aetna’s own standard for routine mental-health care —call Member Services and request a network gap exception (also called a “single-case agreement”). Aetna will either (1) find you a faster in-network slot, or (2) approve out-of-network care at in-network rates. Keep the reference number they give you.
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.
