IN-NETWORK Coverage
We are in-network with the following health insurance plans: Cigna/Evernorth, HealthNet/MHN Medi-cal Plans (Media-cal plans not available to San Diego County residents 2024), AETNA, Magellan Health (Sharp Health Plan and Blue Shield of California w/ Magellan Behavioral Health benefits)
Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking your insurance the following questions:
Do I have mental health insurance benefits?
What is my deductible and has it been met?
How many sessions per year does my health insurance cover?
What is the coverage amount per therapy session?
Is approval required from my primary care physician?
Navigating Insurances at Well-Mamas Counseling
-
Aetna
All our clinicians accept HMO and PPO Aetna clients.
We currently do not accept Aetna Medi-Cal insurance.
No prior authorization is needed for mental health counseling.
-
Cigna (Formerly EverNorth)
All clinicians accept Cigna (aka Evernorth) HMO, and PPO insurance.
No prior authorization is needed for mental health counseling.
-
MHN/HealthNet
We accept MHN HMO, MHN UC Blue & Gold HMO, and PPO insurance plans.
Only licensed clinicians are approved providers for MHN/Health Net: Heather, Brenda, Jenica, and Kristen.
No prior authorization is needed for mental health counseling.
-
Magellan Health
All clinicians accept Magellan Health which serves Blue Shield of California plans and Sharp Health Plan.
No prior authorization is needed for mental health counseling.
-
Tricare West
Effective January 1, 2025, we will no longer be in network with Tricare West due to TriWest replacing Health Net Federal Services (who we are contracted with) as the West Region contractor. Triwest has not responded to our application to join their network.
For the 2024 calendar year, we accept Tricare West insurance for active duty service member and their dependents. For Tricare West Prime, there is no cost for receiving services. Tricare West Select members may have an out of pocket expense for receiving counseling.The following providers accept Tricare West: Itzel, Claudia, Heather, Brenda, Jenica, and Kristen.
Prior authorization is only needed for Active Duty Service Members.
-
Medi-Cal Plans
Effective 1/1/2024: If you are insured with HealthNet Medi-Cal, they will no longer be serving San Diego County residents. At this time we will not be servicing San Diego County Medical-Cal plans but will continue to service residents in other counties.
-
Sharp Health Plan
We will continue to work with Sharp Health Plan members under the umbrella of Magellan Health.
No prior authorization is needed for mental health counseling.
-
Have another Insurance?
Did you know that if you have a PPO insurance plan, you may be able to be reimbursed for out-of-pocket costs for counseling. Additionally, if you have a Flexible Spending or Health Savings Account, counseling is an approved expense.
Out of Network Coverage:
We understand that most individuals plan on using their insurance to cover therapy; however, not all health insurances have opened their credentialing panels.
In the meantime, we can support you in obtaining Out-Of-Network coverage by providing a “Superbill” so that you can request reimbursement from your insurance company. Additionally, therapy is a covered service for Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) and we are happy to provide you with the documentation for these services.
Need more support with your insurance?
