Blue Cross Blue Shield (BCBS) Therapist in West Palm Beach, FL
We are in-network with Blue Cross Blue Shield, BCBS Medicare, and BCBS Medicare Advantage. Use your BCBS mental health benefits — we verify your coverage for free.
Blue Cross Blue Shield Plans We Accept
Florida Blue is the Blue Cross Blue Shield plan of Florida. We are credentialed in-network with the following BCBS plans. Call us if you are unsure which plan you have.
BlueCare HMO
Florida Blue's HMO plan requires you to select a primary care physician. A referral to behavioral health may be needed. We help coordinate the referral process.
BlueSelect Plus
A tiered network plan with lower cost-sharing when you see Tier 1 providers. Healing Arts & Wellness participates as an in-network provider under this plan.
BlueOptions PPO
Florida Blue's PPO plan gives you freedom to see any in-network provider without a referral. One of the most common plans among employer-sponsored BCBS members.
BCBS Medicare Supplement
Medigap plans that supplement Original Medicare benefits. Covers mental health services including psychotherapy and behavioral health assessments.
BCBS Medicare Advantage
Florida Blue Medicare Advantage plans (Part C) often include enhanced behavioral health benefits beyond Original Medicare. We verify your specific plan's coverage.
BlueShield / Federal Employee
Federal Employee Program (FEP) and BlueShield plans accepted. FEP plans often have excellent mental health benefits with low or no deductible for behavioral health.
Florida Blue vs. out-of-state BCBS: If your card says "Blue Cross Blue Shield" but is from another state (e.g., BCBS of Texas, Anthem), you may still be covered through the BlueCard Program. Call us and we will verify your out-of-state BCBS coverage at no charge.
Your BCBS Mental Health Benefits Explained
BCBS mental health benefits follow the Mental Health Parity Act — meaning your coverage must be equivalent to physical health coverage. Here is what that means for you.
| Coverage Factor | In-Network (Healing Arts) | Out-of-Network |
|---|---|---|
| Copay per session | $20–$60 (after deductible) In-Network | 40–50% coinsurance Higher Cost |
| Deductible applied | Lower in-network deductible | Higher separate deductible |
| Claim filing | We file for you — no paperwork | You file separately |
| Telehealth | Covered at same rate as in-person | Varies by plan |
| Pre-authorization | We handle if required | You handle independently |
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), BCBS plans must apply the same treatment limitations, prior authorization requirements, and cost-sharing for mental health services as they do for medical/surgical services. This means your annual session limit for therapy should match the number of visits for a comparable medical condition.
BCBS telehealth mental health coverage is fully parity-compliant in Florida. Virtual sessions are reimbursed at the same rate as in-person sessions for established behavioral health conditions.
How to Verify Your BCBS Coverage
You can verify your own coverage, or let us do it for you — free of charge. Here is the 3-step process either way.
Locate Your BCBS Member ID and Group Number
Found on the front of your insurance card. You will also need the "Mental Health" or "Behavioral Health" phone number printed on the back of the card. Your plan type (HMO, PPO, BlueOptions, etc.) is also listed on the card. If you have a digital card in the Florida Blue app, that works too.
Call BCBS or Let Us Do It for You
If calling yourself, ask: "Is Healing Arts & Wellness in West Palm Beach an in-network provider for my plan?" and "What are my behavioral health benefits for outpatient psychotherapy?" Ask specifically about your annual deductible remaining, copay per session, session limits, and telehealth coverage. Alternatively, skip all of this — call us at (561) 787-9494 and we handle the entire verification call on your behalf at no cost.
We Give You a Clear Cost Summary Before Your First Appointment
After our team verifies your BCBS benefits, we call you back and explain your exact estimated cost per session — including your remaining deductible, expected copay, and session limits. You book only when you are fully informed. No surprises at billing time.
What BCBS Covers at Our Practice
Most BCBS plans cover the following services when provided by an in-network licensed therapist.
Individual Therapy
One-on-one psychotherapy sessions for anxiety, depression, ADHD, trauma, PTSD, OCD, bipolar disorder, grief, anger management, and more. Most BCBS plans cover 20–52 sessions annually.
Family Therapy
Sessions involving two or more family members for communication, parent-child conflict, blended family adjustment, grief, and relationship repair. Billed as a distinct CPT code under your BCBS family therapy benefit.
Telehealth Sessions
HIPAA-compliant virtual therapy via secure video. BCBS covers telehealth mental health services at parity with in-person sessions for most Florida Blue plans. Connect from home, work, or any private location in Florida.
BCBS Therapy FAQ
Yes. We are in-network with Florida Blue and most BCBS plans. Coverage for outpatient therapy (psychotherapy) is a standard benefit under virtually all BCBS plans. Your exact cost depends on whether you have met your deductible and your specific plan's copay for behavioral health. We verify this for free before your first session.
Most BCBS plans cover between 20 and 52 outpatient mental health sessions per year. Under the Mental Health Parity Act, BCBS cannot impose session limits that are more restrictive than limits applied to comparable medical conditions. Your specific plan's session limit is listed in your Evidence of Coverage document, or we can confirm it when we verify your benefits.
BCBS copays for in-network therapy typically range from $20 to $60 per session, depending on your plan. Some plans require you to meet your deductible before the copay applies. BCBS Medicare Advantage plans often have lower copays of $0–$25 per session. We confirm your exact copay as part of the free benefits verification process.
BCBS PPO and BlueOptions plans generally do not require a referral for mental health services. BlueCare HMO plans may require a referral from your PCP. If a referral is required for your plan, we can walk you through how to request one from your primary care doctor — it is typically a simple process.
Yes — the BlueCard Program allows BCBS members from other states to access in-network providers in Florida. Your out-of-state BCBS plan may cover services at our West Palm Beach office or via telehealth. Call us and we will verify your out-of-state BCBS plan's in-Florida coverage before you schedule.
Ready to Use Your BCBS Benefits?
Let us verify your Blue Cross Blue Shield coverage at no cost — then schedule your first session.
