Aetna

Using Aetna for Therapy in West Michigan

Aetna is a national insurance provider that covers mental health services in Michigan. If you have Aetna through your employer or the marketplace, here's how to use it for therapy.

What's typically covered

Aetna plans generally cover outpatient mental health services, including individual therapy, group therapy, and psychiatric services. Federal mental health parity laws require Aetna to provide mental health coverage on par with medical coverage.

What you'll pay

• In-network: Copays typically range from $20–$50, or you may pay coinsurance after your deductible.
• Out-of-network: Higher out-of-pocket costs, but many Aetna PPO plans do provide some out-of-network coverage.

How to check your benefits

1. Call Aetna's member services or log into your online account
2. Ask about outpatient mental health benefits under your specific plan
3. Confirm your deductible status and any session limits
4. Ask if pre-authorization is required for therapy

Things to know

• Aetna's network in West Michigan may be smaller than BCBS or Priority Health — start checking providers early.
• If you're on a student health plan through Aetna, your coverage may differ from employer plans.
• Telehealth therapy is usually covered under Aetna plans, which can expand your options significantly.