Therapists That Accept Insurance in Washington, DC
In-person therapy in Dupont Circle, Washington, DC · Online therapy across DC, Maryland & Virginia
We aim to make therapy as accessible and straightforward as possible.
Therapeutic Links is in-network with several major insurance plans, including CareFirst, Aetna, Cigna, Anthem Blue Cross Blue Shield, AmeriHealth Caritas DC, DC Medicaid, and Maryland Medicaid. We also work with many out-of-network plans, making it possible for many clients to use their insurance benefits for therapy.
In many cases, appointments are available within days, without long wait times.
In-network Insurance Plans
Therapeutic Links accepts several commercial and Medicaid insurance plans for therapy. Because coverage and benefits vary by plan, we encourage you to contact your insurance carrier to verify your mental health benefits, deductible, copay, and any referral or authorization requirements before getting started.
We are currently in-network with:
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Aetna
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AmeriHealth Caritas DC
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Anthem Blue Cross/Blue Shield
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CareFirst Blue Cross & Blue Shield(commercial insurance)
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Cigna (commercial insurance)
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DC Medicaid
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Maryland Medicaid
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Maryland HealthChoice MCOs
We also accept:
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HSA/FSA Cards
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Major Credit Cards
All of our therapists accept the insurance plans listed above. You won't need to search for a specific provider based on your insurance plan. Our team can focus on matching you with a therapist based on your needs, preferences, and availability.
Out-of Network Benefits
Don't see your insurance listed? You may still be able to use your out-of-network benefits for therapy.
Many insurance plans provide reimbursement for out-of-network mental health services, including some plans through UnitedHealthcare and Kaiser Permanente. Depending on your plan, you may receive 40–80% reimbursement for therapy after meeting your deductible.
Unlike many practices that provide a superbill for clients to submit themselves, Therapeutic Links files out-of-network claims on your behalf. That means you don't have to manage paperwork or submit claims to your insurance company yourself. If approved, any eligible reimbursement is sent directly to you by your insurance carrier.
Using Insurance for Therapy at Therapeutic Links
Mental health services may be covered in full or in part by your health insurance or employee benefits plan. Depending on your coverage, insurance may help pay for services such as anxiety therapy, depression therapy, trauma and PTSD therapy, stress, and other mental health services.
We recommend contacting your insurance provider to confirm:
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Co-pays or coinsurance
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Deductible status
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Session limits
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In-network vs. out-of-network benefits
Therapy Services Covered by Insurance
Insurance may cover therapy for a wide range of mental health concerns. Our therapists provide support for:
Looking for the flexibility of virtual appointments? Learn more about our Online Therapy in DC, Maryland & Virginia.
Have a High Deductible?
You Still Have Coverage Options
If you have a high-deductible health plan, you can still use your benefits to pay for therapy.
Many clients use:
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HSA (Health Savings Account)
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FSA (Flexible Spending Account)
HSA and FSA funds may help make therapy more manageable while you're working toward your deductible.
Questions to Ask Your Insurance Provider
Please check your coverage carefully by asking your insurance provider the following questions:
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What is my co-pay?
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Do I have mental health insurance benefits?
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What is my deductible and has it been met?
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How many sessions per year does my health insurance cover?
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What is the coverage amount per therapy session?
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Is approval required from my primary care physician or managed care company?
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Will my insurance pay for services provided by an out-of-network provider?
Insurance & Payment FAQs
Does insurance cover therapy?
Most health insurance plans offer some level of coverage for therapy. Coverage depends on your specific plan, including your deductible, co-pay, and whether your provider is in-network or out-of-network.
Can I use my insurance even if you are not in-network?
Yes. Many clients receive reimbursement for therapy through their out-of-network mental health benefits. Because coverage and reimbursement vary by plan, we recommend contacting your insurance carrier to verify your benefits before your first appointment. If your plan includes out-of-network coverage, Therapeutic Links will submit your claims on your behalf. No superbills required and any eligible reimbursement will be sent directly to you by your insurance company.
How much does therapy cost with insurance?
The cost of therapy varies based on your plan. Some clients only pay a co-pay, while others pay the full session fee until their deductible is met.
Many out-of-network plans reimburse 40–80% of the session cost after the deductible.
Can I use HSA or FSA for therapy?
Yes. Most HSA (Health Savings Accounts) and FSA (Flexible Spending Accounts) can be used to pay for therapy services, including sessions applied toward your deductible.
Do I have to meet my deductible before insurance covers therapy?
If you have a high-deductible plan, you may need to pay the full session fee until your deductible is met. After that, your insurance may begin covering a portion of the cost.
How quickly can I start therapy?
In many cases, clients are able to begin therapy within 7 days, depending on availability and scheduling preferences.
Do you accept Medicaid for therapy in Washington, DC and Maryland?
Yes. Therapeutic Links accepts AmeriHealth Caritas DC, DC Medicaid and Maryland Medicaid managed care plans. Because coverage can vary by plan, our team can help verify your benefits before your first appointment.
Do you offer therapy in person or online?
Yes. We offer:
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In-person therapy in Dupont Circle, Washington, DC
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Online therapy across DC, Maryland, and Virginia
Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining the expected cost of your care.
Under federal law, providers must offer an estimate to clients who:
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Do not have insurance, or
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Choose not to use their insurance
This helps you understand costs in advance and make informed decisions about your care.
Cancellation Policy
We reserve time specifically for each client to ensure consistent and accessible care.
If you need to cancel or reschedule an appointment, please contact your therapist directly at least 24 hours in advance.
If an appointment is canceled with less than 24 hours’ notice or missed, that time cannot always be offered to another client in need.
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Cancellations must be made at least 24 hours in advance
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Late cancellations and no-shows are charged the full session fee
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Insurance does not cover missed or late-canceled sessions
A valid card on file (credit, debit, or HSA/FSA card) is required to secure your appointment time and allow for a seamless scheduling and billing process, so you don’t have to manage payments after each session.
The card on file will be charged for cancellations within 24 hours and missed appointments.
Ready to Find a Therapist Who Accepts Your Insurance?
All of our therapists accept the insurance plans listed above, so you can focus on finding the right fit. Our team will help you understand your coverage and match you with a therapist based on your needs and preferences, often with appointments available within 7 days.
If you prefer another way to get started: