Medically reviewed by Gabriela Asturias, MD on May 23, 2025If you have Highmark Blue Cross Blue Shield, mental health care is covered—no matter your plan type. Whether you're on Complete Blue PPO, my Blue Access Marketplace, Highmark Wholecare (Medicaid/D-SNP), or a self-funded employer plan, all include outpatient therapy and psychiatry with no annual session limits. Note that coverage details vary: copays typically range from $0–$40, and many plans offer free virtual visits through Well360 Virtual Health (Amwell) or Teladoc. This guide simplifies the process so you can find an in-network Highmark therapist, psychologist, or psychiatrist—and book your first appointment this week.
Licensed Professional Counselor (LPC)
255 South 17th Street, Philadelphia, Pennsylvania 19103
Matthew McCool is a Licensed Professional Counselor (LPC) in Philadelphia, Pennsylvania. They treat Sexual Identity, Social Anxiety, Relationship(s) with Partner/Husband/Wife.
Your emotional wellbeing is our priority. We will work together to not just get you unstuck, but help you thrive and flourish.
Licensed Professional Counselor (LPC), Licensed Marriage and Family Therapist (LMFT), Certified Trauma Professional, Licensed Clinical Social Worker (LCSW), Pre-Licensed Professional, National Certified Counselor (NCC), Certified Eating Disorder Specialist, Marriage and Family Therapist (MFT), Licensed Social Worker (LSW)
168 West Ridge Pike, Royersford, Pennsylvania 19468
Alexandra Pomponio is a Licensed Professional Counselor (LPC) in Royersford, Pennsylvania and has been in practice for 18 years. They treat Obsessive-Compulsive Personality, Divorce, Eating Concerns.
You're a moment away from being rediscovered and one step closer to your life worth living. Let us help you uncover your meaning and purpose and reNEW YOU
Licensed Clinical Social Worker (LCSW)
Remote only
Zoey Lee is a Licensed Clinical Social Worker (LCSW) in undefined, undefined and has been in practice for 6 years. They treat Anxiety, Trauma, Depression.
I am committed to providing a safe, compassionate space where you can explore your experiences, build emotional resilience, and heal from trauma.
Licensed Social Worker (LSW)
255 South 17th Street, Philadelphia, Pennsylvania 19103
Sarah Panzer is a Licensed Social Worker (LSW) in Philadelphia, Pennsylvania. They treat Life Transitions, Obsessive Compulsive Disorder (OCD), Grief and Loss.
Your emotional wellbeing is our priority. We will work together to not just get you unstuck, but help you thrive and flourish.
Neuropsychologist, Psychologist
230 South Broad Street, Philadelphia, Pennsylvania 19102
Robert Rider is a Neuropsychologist in Philadelphia, Pennsylvania and has been in practice for 13 years. They treat Schizophrenia, Schizophreniform and Brief Psychosis, Posttraumatic Stress Disorder (PTSD), Academic Concerns.
At Diversified Psychological Resources, we strive to provide consistent, quality service and compassionate care to all our clients.
Licensed Marriage and Family Therapist (LMFT)
1315 Walnut Street, Philadelphia, Pennsylvania 19107
Jonathan Toman is a Licensed Marriage and Family Therapist (LMFT) in Philadelphia, Pennsylvania. They treat Men's Issues, Athletic Performance, Gender Identity.
I welcome clients of all identities to reach out to me. I'd be happy to help you navigate your journey and reach your goals.
| Plan Type | Typical Cost for In-Network Therapy & Psychiatry* | Key Points |
|---|---|---|
| Medicare Advantage (e.g., Complete Blue PPO) | $40 copay per visit | Same rate for therapy & meds |
| Wholecare D-SNP (Medicare + Medicaid) | $0 copay for all outpatient mental-health visits | Medicaid pays what Medicare doesn’t |
| Marketplace Silver PPO/HMO | $20 – $40 copay after deductible — $0 for some urgent MH visits | No visit limit |
| Employer PPO/HMO | Most charge $20 – $40; some waive telehealth copays | Check your SBC |
| High-Deductible & HSA plans | 20 % after deductible, then the standard copay | HSA dollars cover early-year bills |
*Always open your own Summary of Benefits—employers can customize.
Plan highlights
| Provider Type | Typical Role |
|---|---|
| Therapist / Counselor (LCSW, LMFT, LPC) | Weekly talk therapy, coping skills, family sessions |
| Psychologist (PhD, PsyD) | Psychological testing, trauma-focused modalities |
| Psychiatrist (MD/DO) | Diagnosis, medication management |
All three license types bill under the same outpatient mental-health benefit, so your copay (or $0) is identical.
Day 1: Jordan (34, Pittsburgh) logs into highmark.com → Find Care & Costs → Behavioral Health. He sees nine in-network therapists within 10 miles. He applies filters: Telehealth, CBT, and Evening hours. Three therapists remain—all accepting new patients.
Day 2: Jordan uses the cost estimator:
Day 3: He books a Thursday 7 p.m. virtual session with Devon Lee, LCSW, a Highmark in-network therapist. Copay: $0
Day 10: After two sessions, Devon recommends exploring medication.
Day 12: Jordan schedules a 30-minute psychiatry consult via Well360 for the next morning. Copay: $0
Total time from search to first session: three days. Out-of-pocket so far: $0.
Sign in or call. Open highmark.com (or the Sydney Health app) or dial Member Services; say “Behavioral Health.”
Search the directory. Filter by ZIP, telehealth vs. office, specialty, language, and evening/weekend hours.
Confirm network status. Look for “In Network – UnitedHealthcare Choice Plus” or the local Blues phrase—your cue you’ve found a covered Highmark therapist.
Check your cost. Click Estimate Cost; you’ll see the exact copay/coinsurance before you book.
Choose speed or locality. Telehealth (Well360/Amwell or Teladoc) often offers next-day slots; office visits may take a week or two.
Complete intake forms. Online questionnaires speed insurance verification.
| Platform | Services | Typical Cost |
|---|---|---|
| Well360 Virtual Health (Amwell) | Therapy & psychiatry video, 7 a.m.–9 p.m. | Member pays the same cost share as an office visit; many plans waive it |
| Teladoc (select Medicare & D-SNP) | Therapy & psychiatry | Often $0 |
| Phone-only (DE, NY, WV) | Allowed if broadband unavailable | Same copay |
Virtual sessions count toward any deductible and out-of-pocket maximum just like office visits.
| Setting | Medicare Advantage | Wholecare D-SNP | Marketplace Silver | Employer PPO |
|---|---|---|---|---|
| Office therapy (45 min) | $40 copay | $0 | $20–$40 | $20–$40 |
| Well360 video therapy | $0–$40 (plan-specific) | $0 | Often $0 | Often $0 |
| Initial psychiatry eval | Same as therapy | $0 | Same as therapy | Same as therapy |
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.
