Insurances We Accept

Yes. Mental Care Plus is in-network with 11 major insurers, which means most patients pay only a copay or coinsurance for therapy and psychiatry. Coverage and out-of-pocket costs vary by individual plan, so we always run a complimentary benefits check before your first appointment so there are no surprises.

With an in-network insurance plan at Mental Care Plus, most patients pay only their plan’s mental health specialist copay (typically the same copay as a primary-care visit) once any deductible is met. Medicaid (NJ FamilyCare) members pay $0 for covered outpatient services. Self-pay rates and our full pricing schedule are available on the pricing page.

Yes. We accept all four New Jersey FamilyCare managed-care plans: Horizon NJ Health, Wellpoint NJ (formerly Amerigroup), Aetna Better Health of New Jersey, and UnitedHealthcare Community Plan. NJ FamilyCare members pay $0 for in-network outpatient therapy, psychiatry, and medication management at Mental Care Plus.

Yes. We accept Original Medicare Part B and most Medicare Advantage plans through Aetna, UnitedHealthcare, Horizon, Humana, and WellCare that include New Jersey in their service area. Original Medicare typically covers 80% of an outpatient mental-health visit after the Part B deductible, and your Medigap or Medicare Advantage plan generally picks up the remaining 20%.

Yes. Aetna covers outpatient therapy, psychiatric evaluation, and medication management at in-network rates with Mental Care Plus. We accept Aetna PPO, HMO, Open Access, Aetna Better Health (NJ Medicaid), and most Aetna Medicare Advantage products. Telehealth is covered at parity with in-person sessions.

Yes. Cigna behavioral health benefits, administered by Evernorth, cover individual, couples, family, and group therapy, psychiatric evaluation, and medication management. We accept Cigna Open Access Plus, LocalPlus, PPO, HMO, and Cigna+Oscar plans. Most routine outpatient mental health requires no pre-authorization.

Yes. UnitedHealthcare’s behavioral health benefits are administered by Optum (also called UBH). We accept UHC commercial, Oxford, UMR, Surest, and UnitedHealthcare Community Plan (NJ Medicaid). Outpatient therapy and psychiatry are covered at in-network rates with no pre-authorization for routine care.

Yes. Horizon BCBS NJ commercial PPO and HMO plans, Horizon Direct Access, Horizon OMNIA, and Horizon NJ Health (Medicaid) all include outpatient mental health benefits at Mental Care Plus. Horizon NJ Health members pay $0; commercial members typically pay a flat mental-health specialist copay.

Yes. Every insurance plan we accept covers telehealth therapy, psychiatry, and medication management at parity with in-person sessions for New Jersey residents. We use a HIPAA-compliant video platform, no extra app required.

Most PPO plans include out-of-network mental-health benefits that reimburse 50–80% of the session fee after an OON deductible is met. After each session we provide a HIPAA-compliant superbill you can submit to your insurer for direct reimbursement. Email us your insurer name and we’ll help you understand your specific coverage.