Insurance Coverage

Insurance Coverage for Mental Health Therapy in California

At Lumen Health Services, we believe quality mental health care should be accessible and affordable. We work with a wide range of insurance providers throughout California to help individuals, couples, teens, children, and families receive the support they need. Our team can verify your benefits and explain your coverage before your first appointment.

Anthem Blue Cross

In-network

Blue Shield of California

In-network

Cigna

In-network

Optum

In-network

UnitedHealthcare

In-network

Western Health Advantage

In-network

Sutter Health Plus

In-network

TriWest

In-network

Tricare

In-network

Health Net

In-network

Carelon

In-network

Medicare

In-network

Kaiser Permanente (NorCal)

Northern CA only

Molina Healthcare

In-network

Partnership HealthPlan

In-network

Central California Alliance for Health (CCAH)

In-network

Anthem Blue Cross Medi-Cal

In-network

Medi-Cal (other / unsure which plan)

Most plans accepted

Anthem Blue Cross

In-network

Blue Shield of California

In-network

Cigna

In-network

Optum

In-network

UnitedHealthcare

In-network

Western Health Advantage

In-network

Sutter Health Plus

In-network

TriWest

In-network

Tricare

In-network

Health Net

In-network

Carelon

In-network

Medicare

In-network

Kaiser Permanente (NorCal)

Northern CA only

Molina Healthcare

In-network

Partnership HealthPlan

In-network

Central California Alliance for Health (CCAH)

In-network

Anthem Blue Cross Medi-Cal

In-network

Medi-Cal (other / unsure which plan)

Most plans accepted

We provide couples therapy online that takes insurance and in-person options near you, accepting Aetna, Anthem, Cigna, UMR, Molina, and Kaiser, with coverage you can actually use.

Therapy Services Covered by Insurance

Many insurance plans may help cover the following services:

Individual Therapy

Support for anxiety, depression, stress, trauma, grief, life transitions, and personal growth.

Couples Therapy

Improve communication, rebuild trust, strengthen emotional connection, and resolve relationship challenges.

Family Therapy

Enhance family communication, reduce conflict, and strengthen family relationships.

Teen Therapy

Mental health support for adolescents dealing with stress, anxiety, depression, school challenges, and emotional concerns.

Trauma Therapy

Evidence-based treatment for trauma, PTSD, and difficult life experiences.

Online Therapy

Secure virtual therapy sessions available throughout California.

How Insurance Verification Works

Contact our office by phone or through our website.
Provide your insurance information.
Our team verifies your eligibility and benefits.
We explain your coverage, copay, deductible, and any out-of-pocket costs
Schedule your first appointment with confidence.

Therapy Without Insurance

If you do not have insurance, you may still have options for receiving mental health support. 

If you are looking for therapy without insurance or need information about therapy with no insurance, contact our team to discuss available payment options. 

We can help you understand the next steps and what may be appropriate for your situation. 

Why Choose Lumen Health Services?

Choosing a therapist involves more than simply finding a provider who accepts insurance.

At Lumen Health Services, we focus on providing compassionate, personalized mental health care for people at different stages of life.

Licensed Mental Health Professionals

Our team includes qualified mental health professionals who provide personalized support based on each client’s individual needs.

Online and In-Person Therapy Options

We offer therapy options designed to provide flexibility, including online and in-person services where available.

Insurance Verification Assistance

Understanding insurance can be complicated. Our team can help you review your insurance information and better understand your potential benefits.

Flexible Scheduling

We work to provide scheduling options that support your therapy journey.

Compassionate, Evidence-Based Care

Our approach combines professional expertise with compassionate and individualized care.

Therapy Services Throughout California

 Evidence-based therapy to strengthen emotional bonds and attachment security.

FAQs
Have more any questions?

Contact us for clear answers and personalized support.

Do you accept Medicare?

Yes. Lumen Health Services accepts Medicare for eligible mental health therapy services.

Your specific coverage, benefits, and out-of-pocket costs may vary. Contact our team to verify your individual benefits before scheduling.

Yes. Lumen Health Services accepts Medi-Cal and the Medi-Cal plans listed on this page.

Coverage and provider availability may vary based on your specific plan and location. Contact us to verify your benefits.

Yes. We currently accept Kaiser Permanente Northern California plans.

Please contact our team to verify your specific plan and available benefits before scheduling an appointment.

Many health insurance plans provide coverage for mental health and therapy services. However, your individual coverage depends on your specific plan, benefits, deductible, copay, provider network, and eligibility.

Our team can help you verify your insurance benefits.

The best way to find out is to contact our team and provide your insurance information.

We can review your plan and help explain whether your insurance may be accepted for eligible therapy services.

Many insurance plans may provide benefits for telehealth therapy services.

However, online therapy insurance coverage varies by plan. Contact our team to verify your specific benefits before scheduling.

Couples therapy insurance coverage can vary depending on your insurance plan and clinical circumstances.

If you are looking for couples therapy insurance or want to know whether insurance may cover couples counseling, contact our team for benefit verification.

Family therapy insurance coverage depends on your individual insurance plan and benefits.

Our team can help review your insurance information and discuss available options.

Copays vary based on your insurance provider and individual plan.

Some clients may have a copay, while others may have a deductible, coinsurance, or other out-of-pocket responsibility.

We can help you better understand your potential costs before your appointment.

Contact our team even if you do not see your insurance provider listed.

We can review your information and discuss available options.

You can contact Lumen Health Services by phone or through our website.

Provide your insurance information, and our team will help review your eligibility and available benefits.

Insurance Coverage Disclaimer

Lumen Health Services accepts the insurance plans listed on this page. Acceptance of an insurance provider does not guarantee coverage or payment for all services.

Coverage and actual benefits are subject to the specific details of your insurance plan, eligibility, provider network, deductible, copay, coinsurance, authorization requirements, service type and other factors as outlined in your health plan.

Insurance verification is provided as a courtesy and is based on information available at the time of verification. Your obligation to pay for the final costs may be based on your insurance plan’s claims and determination of benefits.

Book an Appointment