How to Use Your Aetna Insurance to Start Therapy in Denver
Starting therapy is a powerful step toward improving your mental health and overall well-being. But, you might be nervous about the costs. Thankfully, insurance may be able to take care of some or all of your therapy costs!
If you have Aetna insurance, you can use your benefits to begin therapy in Denver. Understanding your coverage, verifying your benefits, and finding the right therapist can make the process easier and more affordable. The good news is that I can help guide you through it!
Understanding In-Network vs. Out-Of-Network Coverage
When you want to use your Aetna insurance, it’s important to know the difference between in-network and out-of-network coverage.
Seeing an in-network therapist means your insurance plan has pre-negotiated rates, which may reduce your overall session costs. Your copay or coinsurance is typically lower, and claims are processed directly through Aetna, making the billing process more straightforward.
On the other hand, choosing an out-of-network therapist may still allow you to use your insurance benefits, but your expenses may be higher. Some plans provide partial reimbursement, while others may not cover out-of-network therapy at all.
Before starting therapy, it’s helpful to confirm whether a therapist is in-network or out-of-network with your insurance. If you’re unsure, I can help verify my in-network status with Aetna. I use a third-party platform called Headway for billing, where they can walk you through what to expect financially.
Steps to Verify Your Aetna Insurance Coverage
Navigating insurance coverage can sometimes feel overwhelming, but taking a few key steps can make the process more manageable.
Contact Aetna directly by calling the member services number on your insurance card. Ask them about your mental health benefits, including coverage details, copays, deductibles, and any session limits.
Next, check whether preauthorization is required before starting therapy. Some plans mandate approval before covering services, so confirming this in advance can help avoid unexpected claim denials.
Additionally, reviewing your Explanation of Benefits (EOB) statement can provide clarity on how much of your deductible has been met and what percentage of costs you may still be responsible for.
What Clients Can Expect Cost-Wise With Aetna
Understanding the potential costs associated with therapy under Aetna insurance in Denver can help you plan effectively. Here's a breakdown of key financial factors:
Copays and Coinsurance: Depending on your Aetna plan, you may have a fixed copay per session or be responsible for a percentage of the session cost (coinsurance).
Deductibles: If your plan includes a deductible, you may need to pay out-of-pocket until it's met.
Session Limits: Some Aetna plans limit the number of covered therapy sessions annually. Knowing this can help in scheduling and treatment planning.
Preauthorization Requirements: Certain plans require preauthorization for therapy services. Verifying this beforehand can prevent unexpected claim denials.
Additionally, some employers offer Employee Assistance Programs (EAPs) through Aetna, providing short-term counseling at no cost before transitioning to standard insurance benefits. Checking if you have access to this can help maximize your benefits while minimizing costs.
Frequently Asked Questions About Billing and Coverage
Many people have questions about how their Aetna insurance applies to therapy. Here are some of the most common ones:
Will my insurance cover my sessions from the start? This depends on your deductible and insurance plan. If it hasn’t been met, you may need to pay out-of-pocket until it is.
How do I know if I need preauthorization? Calling the number on your insurance card or checking your Aetna member portal will confirm if preauthorization is necessary.
Will my therapy be confidential? Insurance companies require basic information for claims processing, but the details of your therapy sessions remain confidential beyond what is required for billing and note taking.
Can I switch therapists if needed? Yes, you can change therapists if you feel another provider may be a better fit. It’s important to find someone you feel comfortable with to get the most out of therapy.
Find a Therapist Who Can Help You Use Your Aetna Insurance
Finding the right therapist who accepts Aetna insurance is an important part of the process. One of the best ways to start is by searching Aetna’s provider directory, which allows you to filter by location, specialization, and availability.
This can help you identify therapists who not only accept your insurance but also focus on areas that match your needs, such as trauma, anxiety, or relationship concerns.
Another important factor to consider is the format of therapy. Some therapists provide in-person sessions, while others offer virtual therapy. (I offer both in-person and virtual therapy.)
Once you’ve found a therapist who fits your criteria, scheduling a consultation is a great next step. Many therapists, including myself, offer free consultations to discuss your needs, answer any questions, and determine if we’re a good fit before committing to ongoing sessions. Taking the time to find the right therapist ensures that your therapy journey is both effective and aligned with your personal goals.
Other Tips for Selecting an Aetna Therapist in Denver
Finding an Aetna therapist in Denver is just the first step. You also need to make sure that the therapist is a good fit for your needs. Here are some additional tips to help guide your search:
Specialization: Many therapists specialize in specific areas such as trauma, anxiety, or depression. Check if a therapist’s expertise aligns with your needs.
Therapeutic approach: Therapists use various approaches, like cognitive-behavioral therapy (CBT), mindfulness-based techniques, or holistic methods. Understanding their therapy style can help you find an approach that works best for you. (If you’re unsure, I’m happy to help explain different approaches and which might suit you.)
Location and availability: Consider the therapist's location and session availability. It’s important to find someone who is conveniently located and whose schedule fits yours.
Communication style: A therapist’s ability to build rapport and foster a comfortable, non-judgmental environment is essential. Many therapists offer brief phone consultations to help you assess their communication style before committing.
Logistics and insurance verification: Confirm the therapist’s insurance acceptance and check if they are in-network with Aetna. Some therapists may require you to provide additional information for insurance verification.
Therapist compatibility: It’s essential to feel comfortable with your therapist. Trust your instincts about whether you feel supported and heard during your first consultation or meeting.
Taking these factors into consideration will better help you select a therapist who meets your specific needs and ensures that your therapy experience is both effective and aligned with your goals.
Get Started with Therapy Using Your Aetna Insurance
If you’re ready to start therapy and use your Aetna insurance, I’m here to help! Understanding your benefits and choosing the right therapist are important first steps, and I’m happy to answer any questions along the way.
Therapy is an investment in your well-being, and having insurance coverage can make it more accessible. Reach out today to begin your journey toward healing and growth.
About the Author
Gigi Woodall, LMFT
Eating Disorder & Trauma Therapist in Denver
Hi, I’m Gigi—a Denver-based trauma therapist passionate about helping individuals heal and reconnect with themselves. My work focuses on exploring how early experiences, relationships, and protective parts of the self shape our inner narratives. Through a compassionate and individualized approach, I help clients challenge limiting beliefs and step into a more authentic, intuitive way of living.
My background includes working with nonprofit organizations and treatment centers before transitioning to private practice. I am actively involved with the Eating Disorder Foundation and the Denver chapter of the International Association of Eating Disorders Professionals (IAEDP). Currently, I’m on the path to becoming a Certified Eating Disorder Specialist (CEDS).
With specialized training in Internal Family Systems (IFS) Informed therapy, EMDR, and eating disorders, I provide a safe, supportive space for those navigating recovery, trauma, and self-discovery.
Looking for support on your healing journey? Book a free consultation to see if we’re a good fit.