Maximizing Your Select Health Benefits for Mental Wellness
Mental health care is an essential part of overall wellness, and if you have Select Health insurance, you may have more access to therapy than you realize. Understanding how your benefits work—and how to use them effectively—can make therapy more affordable, consistent, and impactful.
At Willow Therapy Utah, we work closely with Select Health members to help them get the most out of their mental health coverage. Whether you’re starting therapy for the first time or returning after a break, this guide will help you maximize your Select Health benefits for mental wellness.
Understanding Select Health Mental Health Coverage
Select Health plans typically include coverage for behavioral and mental health services, such as counseling and psychotherapy. These benefits are designed to support individuals, couples, and families in managing emotional, psychological, and life challenges.
Most Select Health plans cover:
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Individual therapy sessions
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Family and couples counseling
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Treatment for anxiety, depression, trauma, and stress
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Telehealth (online therapy) services
You can learn more about Select Health coverage at Willow here:
Select Health Therapy in Utah
Step 1: Know Your Select Health Plan Details
Not all Select Health plans are the same. Some plans may require referrals, while others allow you to self-schedule therapy without one. Before starting, it helps to know:
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Your copay or coinsurance for therapy sessions
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Whether you have a deductible to meet
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If your plan requires prior authorization
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Whether telehealth therapy is included
If this feels confusing, don’t worry—we can help verify your benefits before your first appointment. Visit our Insurance Page for guidance.
Step 2: Choose an In-Network Select Health Therapist
One of the easiest ways to reduce out-of-pocket costs is to work with an in-network therapist. Willow Therapy Utah is in-network with Select Health and several of its networks, which means lower session costs and simplified billing.
Working with an in-network provider allows you to:
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Pay a predictable copay
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Avoid surprise bills
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Use therapy consistently without financial strain
Meet our team of licensed professionals here:
Our Therapists
Step 3: Use Therapy Consistently for Better Results
Many Select Health plans allow for ongoing therapy sessions, not just short-term care. Mental wellness improves most when therapy is consistent and proactive rather than reactive.
Select Health benefits can be especially helpful for:
Using your benefits regularly can help prevent burnout, reduce symptoms, and build long-term coping skills.
Step 4: Take Advantage of Telehealth Options
Select Health often covers online therapy, making it easier to attend sessions from home, work, or while traveling. Telehealth therapy can be just as effective as in-person sessions for many mental health concerns.
Online therapy may be a great option if you:
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Have a busy schedule
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Live outside your therapist’s immediate area
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Prefer the comfort and privacy of home
Learn more here:
Telehealth Therapy in Utah
Online Therapy for Anxiety and Depression
Step 5: Combine Insurance with Other Payment Options
Even with insurance, some clients choose to supplement coverage with:
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HSA or FSA accounts
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Private pay for additional sessions
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Out-of-network options, if needed
If you’re curious about all available options, visit:
Payment Options for Therapy
Using HSA or FSA for Therapy
Step 6: Ask for Help Navigating Your Benefits
Insurance can be confusing—but you don’t have to figure it out alone. Our administrative team helps Select Health members:
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Verify coverage
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Understand copays and deductibles
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Confirm in-network eligibility
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Answer billing questions
You can also review:
Therapy Cost with Insurance
Start Using Your Select Health Benefits Today
Mental wellness is not something to put off. If you have Select Health insurance, your plan may already be giving you access to the support you need—you just have to use it.
To get started:
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Review your benefits
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Choose a therapist who fits your needs
At Willow Therapy Utah, we’re here to help you make the most of your Select Health benefits and support your mental wellness every step of the way.