How to Find a Therapist Covered by Your Insurance Plan
Finding the right therapist can already feel overwhelming—and figuring out whether your insurance covers therapy can make it even more confusing. The good news? Once you understand how to check your benefits and find in-network providers, it becomes much simpler to get started with affordable care.
At Willow Therapy Services, we believe mental health care should be accessible to everyone. That’s why we partner with most major insurance plans in Utah and help clients verify coverage before their first session.
Why Using Insurance for Therapy Matters
Therapy is one of the best investments you can make in your emotional well-being—but without coverage, the cost can add up. Using insurance can make regular therapy sessions more affordable, consistent, and sustainable.
If you’re wondering how to make the most of your plan, start with this guide: Benefits of Using Insurance for Therapy.
Step 1: Check Which Mental Health Services Are Covered
Most insurance plans in Utah are required to include mental health benefits under the Mental Health Parity and Addiction Equity Act (MHPAEA), meaning mental health care must be covered similarly to physical health care.
That said, every plan is different. Look for these key details in your benefits summary:
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“Behavioral Health” or “Mental Health Services”
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Coverage for individual, family, or couples counseling
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The copay or coinsurance per session
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Whether telehealth or online therapy is covered
If you’re unsure, our team can check your coverage for you. Visit our Insurance Information Page for guidance.
Step 2: Find a Therapist Who Accepts Your Plan
Once you know your coverage, it’s time to look for a therapist who’s in-network. Seeing an in-network therapist typically means you’ll pay the lowest out-of-pocket cost.
At Willow Therapy Utah, we currently accept:
If your plan isn’t listed, contact us—many clients can still use out-of-network benefits or pay through HSA/FSA accounts.
Step 3: Understand the Difference Between In-Network and Out-of-Network
| Term | What It Means | What You Pay |
|---|---|---|
| In-Network | Therapist has a contract with your insurance company | Lower copay or coinsurance |
| Out-of-Network | Therapist doesn’t bill your insurance directly | You pay upfront, may receive partial reimbursement |
Learn how to manage both options here:
Step 4: Verify Coverage Before You Start
Before your first session, call your insurance provider or check your online member portal. Ask:
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Do I have mental health or behavioral health benefits?
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What is my copay or deductible for therapy sessions?
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Is telehealth covered?
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Do I need a referral or pre-authorization?
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Is Willow Therapy Utah listed as an in-network provider?
Our admin team can also verify this for you before scheduling. Simply Contact Us or submit your insurance info online.
Step 5: Consider Flexible Payment Options
Even with insurance, some clients prefer flexible payment methods for privacy, frequency, or convenience.
We accept:
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HSA / FSA Cards (Learn More)
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Clergy or Bishop Pay (Learn More)
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Private Pay Options for those who prefer not to bill insurance
No matter how you pay, therapy is an investment in your long-term well-being.
Step 6: Choose a Therapist Who Fits Your Needs
Finding someone you connect with matters as much as coverage. At Willow Therapy Utah, our diverse team includes therapists who specialize in:
Browse Our Therapists to find someone who matches your goals, values, and insurance coverage.
Step 7: Don’t Let Insurance Confuse You—We’ll Help
Navigating insurance shouldn’t stop you from getting care. Our team can confirm your benefits, explain costs, and help you start therapy with confidence.
To get started:
✅ Visit our Insurance Page
✅ Review your plan’s mental health coverage
✅ Schedule an Appointment
You don’t have to figure it out alone—let us help you take the next step toward better mental health.