Does Aetna cover therapy?

Yes, most Aetna insurance plans will cover therapy. We encourage you to contact your insurance provider to determine your coverage level. If you are unable to find this, please contact your insurance carrier for further clarification.

Does Aetna cover psychiatry?

Yes, most Aetna insurance plans will cover psychiatry. Make sure to reach out to Aetna to determine your coverage level or if you need any clarification on your Aetna mental health coverage.

Does my insurance plan require a referral?

PPO insurance plans typically do not require a referral. Some POS/HMO plans do require a referral for mental health services. We recommend checking with your insurance provider directly for details specific to your coverage.

Is online therapy & psychiatry (telehealth) covered?

Yes. Most in-network insurance plans cover telehealth mental health services, including therapy and medication management.

Does Aetna cover TMS or PHP/IOP?

Yes, Transcranial Magnetic Stimulation (TMS), Partial Hospitalization (PHP), and Intensive Outpatient (IOP) services are in-network with Aetna, though prior authorization may be required depending on your plan.

What happens if I have an out-of-network Aetna plan?

If your Aetna plan is out-of-network but includes out-of-network benefits, we will submit your claims to your insurance. However, your out-of-pocket costs may be higher based on your plan’s out-of-network coverage.

Will I have to submit claims?

No, Clarity Clinic will handle claim submissions to your insurance for both in-network and out-of-network services.

Aetna Insurance Mental Health Coverage at Clarity Clinic

Clarity Clinic is proud to be in-network with Aetna insurance! We offer a wide range of Aetna mental health providers to provide comprehensive mental health care in IL. Both families and individuals can get access to our affordable therapy, psychiatry, TMS therapy, and PHP/IOP programs through our Aetna providers today!

Find Aetna In-Network Providers

We're In-Network with Aetna Insurance

Clarity Clinic is in-network with Aetna insurance! We offer a wide range of Aetna in-network providers to ensure you receive high quality, affordable mental health care. Clarity Clinic accepts a wide range of Aetna PPO plans, so you can find what's right for you. Whether that’s finding accessible online therapy that takes insurance or finding the right Aetna psychiatrist near you, we’re here to support you. Find the best therapy, psychiatry, TMS therapy, or higher levels of care ( PHP/IOP) in Illinois covered by Aetna insurance at Clarity Clinic.

Services Covered by Aetna

We have in-network Aetna providers available for a wide range of mental health services. From online Aetna therapists to in-person Aetna psychiatrists near you, we conveniently provide both in-person and online mental health care covered by Aetna insurance.

Outpatient Services:

✅ Individual Therapy
✅ Couples & Family Therapy
✅ Group Therapy
✅ Psychiatry & Medication Management
✅ Psychological Testing & Evaluations
✅ Transcranial Magnetic Stimulation (TMS)

Higher Levels of Care:

✅ Partial Hospitalization Program (PHP)
✅ Intensive Outpatient Program (IOP)

Coverage and benefits may vary by insurance plan. We recommend verifying your specific benefits before starting care.

Aetna In-Network Plans & Coverage Details

Clarity Clinic is in-network with most Aetna PPO plans. It is important to note that:

We accept some Aetna HMO plans for our outpatient services. Please contact your plan to confirm Clarity Clinic's participation.
Coverage may differ depending on your plan’s network tier and mental health benefits.

What to Expect:

Most PPO plans cover therapy, psychiatry, and other outpatient services.
You may be responsible for copays, deductibles, or coinsurance, depending on your specific plan.
We strongly encourage all patients to call their insurance provider before their first appointment to confirm eligibility and coverage for “Behavioral/Mental Health” services.
Patients are responsible for all applicable deductibles, coinsurance, copayments, and any non-covered services as determined by their insurance plan.

Helpful Links:
🔗 Visit Aetna Member Portal

Steps You Can Take to Verify Your Aetna Mental Health Coverage

You are your best advocate with your insurance provider, and we encourage you to reach out to Aetna directly to understand your plan.

Verify Your Benefits

To verify your benefits, you can contact Aetna via the number on the back of your insurance card and advise “I’m calling to verify my (in-network or out of network) benefits for general mental health services.”

Understanding Your Aetna Benefits

If you are having difficulty getting the information you need, another option is to call Aetna's ‘Health Advocate’ or ‘Case Manager’ department. These insurance representatives are available to help you understand your benefits. There should be a number on the back of your insurance card to contact.

Ask the Following Questions

Does my plan have In-Network or Out-of-Network benefits for [therapy, psychiatry, etc]?
Does my insurance require a referral for services?
What is my co-pay for [therapy, psychiatry, etc] services?
What is my deductible?
What is my co-insurance?
What is my out-of-pocket max?
Does my deductible, co-pays & co-insurance apply toward my out-of-pocket max?
How much of my deductible have I spent this year?
Can I have a reference number for this call?