Some insurance plans accepted with more planned for the future. Currently, some therapists at C4VL accept Aetna, Anthem Blue Cross Blue Shield (Anthem BCBS), Colorado Community Health Alliance (CCHA), Cigna, Colorado Access Medicaid, Cofinity, Coventry, First Health, Humana, Magellan, Medicare, MHN, Multiplan, PHCS, Tricare, United Behavioral Health, and Value Options (now Beacon Health).
NOT ALL PROVIDERS TAKE ALL INSURANCES. Inquire about your specific insurance plan to confirm that a specific provider is able to accept your plan.
Please see the detailed information pages for each insurance type:
Limitations and Advantages of Using Insurance
You should be fully informed about the limitations and advantages of using health insurance to help pay for mental health care. One of the largest benefits of insurance is that it can greatly reduce the out-of-pocket cost to you. This is often the main reason why people seek to use their coverage. However, while many plans offer some reimbursement for mental health care expenses, benefits can sometimes be limited. Insurance sometimes contains exclusions on the types of conditions covered and limits the number of sessions allowed. Your insurance company may require that CVL share confidential and possibly sensitive personal treatment information with insurance company personnel for review and payment. Reviews may result in denial of coverage according to the insurer's policies.
Many plans also include annual deductibles, which must be paid before the insurance covers services. In addition, insurance requires a diagnosis to authorize treatment. These diagnostic labels may follow you through life and interfere with your insurability later.
Not using insurance may offer greater privacy. You may find that paying directly for a course of brief treatment is worth the added confidentiality. You are encouraged to carefully read the information in your policy and/or ask questions of your insurance company. You can then make better-informed decisions about using insurance coverage.