Insurance Coverage
We Do Insurance Differently
A Compassionate, Transparent Approach to Insurance
At Henderson Mental Health, we believe you deserve to fully understand how your insurance works, so you can make informed choices about your care with confidence. We proudly accept a wide range of insurance plans and are here to help you navigate the details of your coverage.
Even when a plan doesn’t cover our full rate, we often still accept it because our commitment to serving our community comes first. We want mental health care to be accessible for everyone in Nevada. Your well-being is our priority, and we’re here to guide you through the process with honesty, clarity, and support.
Below is the current list of providers we are currently contracted with:
- Aetna
- Ambetter
- Anthem BCBS (excluding HMO)
- Anthem Medicaid
- CareSource (coming soon)
- Cigna
- Health Plan of Nevada (coming soon)
- Medicaid
- Medicare
- Molina
- Multiplan
- Select Health
- Silver Summit
- United Healthcare UHC
- Tricare/Triwest
If you don’t see your provider listed or have any questions about your insurance, please contact our office. One of our representatives will be happy to assist you.
A Quick Guide to Understanding Medical Insurance
What Is Medical Insurance?
Medical insurance helps cover healthcare expenses. You pay a regular fee called a premium, and in return, your insurance company helps pay for medical services, including therapy and psychiatry appointments.
Meet Sarah: A Story About Navigating Mental Health Insurance
Sarah is seeking therapy to manage stress. Let’s walk through her insurance journey to make things clear and positive:
Premium: Sarah pays $150 per month to keep her insurance active.
Copays: Every time Sarah visits her therapist, she pays a small, fixed fee, $20 per session. However, some clients may have plans with no copays at all, making therapy even more accessible.
Deductible: Sarah’s plan has a $750 deductible, which means she pays the first $750 of her medical costs each year before insurance starts sharing costs. It’s important to note that some insurance plans don’t have deductibles, reducing upfront expenses.
Coinsurance: After meeting her deductible, Sarah shares costs with her insurance. For example, she covers 20% of the cost per session, and her insurance pays the remaining 80%. But in many cases, certain policies, like Medicaid, cover sessions fully with no out-of-pocket costs for the client.
Out-of-Pocket Maximum: Sarah’s yearly out-of-pocket maximum is $3,000. Once she pays this amount, her insurance covers 100% of her covered therapy sessions for the rest of the year. For some clients, their plans may have lower out-of-pocket maximums or even none at all, depending on their coverage.
Understanding your insurance can help you feel confident and encouraged to seek the support you need. Many clients discover that their therapy costs are fully or largely covered, removing financial barriers to their well-being.
If you’d like to schedule a consultation or make an appointment with us, please use the contact form or call/text us at (702) 936-3366.
For information on therapy services, medication management, or psychiatry services, Henderson Mental Health provides expert care tailored to your needs.
Visit our homepage for additional mental health resources and support.
Frequently Asked Questions About Insurance Coverage
Does my health insurance cover therapy?
Yes. At Henderson Mental Health, we proudly accept a wide range of insurance plans and help you understand your benefits, so you can make informed choices about your care with confidence.
How much does therapy cost with insurance?
Costs depend on your plan. You may pay a monthly premium, a fixed copay (for example, $20 per session), a deductible, coinsurance, or sometimes nothing if your plan covers the full cost.
What insurance do you accept for mental health?
We are contracted with many providers and strive to serve our entire Nevada community. If your provider isn’t listed, contact our office—our representatives will gladly assist you.
How do I find out if my insurance covers therapy?
Contact us or your insurance provider directly. Our team is happy to help you navigate your benefits and answer any questions about coverage.
What if my plan doesn’t cover the full cost?
Even when a plan doesn’t cover our full rate, we often still accept it and offer sliding scale options, so your well-being remains our priority.