Can I Afford Mental Health Medication And Therapy?

We understand that finding affordable mental healthcare may feel like a daunting task. With rising medication and therapy costs, many people can find it hard to access the support they need within their budget. We're on a steadfast mission to change that. Here, we’ll guide you through using insurance for mental health services at Cerebral, making it easier and more affordable to get the care you deserve. {MiniWidget:Generic} More insurance partners, more access At Cerebral, we continuously collaborate with insurance partners to expand access to our online mental health services. This expansion aims to provide more people with access to our affordable therapy and psychiatry options, potentially reducing cost as a barrier. By working with various insurance providers and growing our partnerships, we strive to offer affordable therapy and medication management to all who need it. Check your insurance coverage Understanding your insurance coverage is essential if you’re looking for low-cost therapy, affordable medication management, or both. With Cerebral, you can connect with licensed prescribers and therapists who accept: Cigna BlueCross BlueShield United Healthcare & Optum and more Availability is based on state, and you can find the full details here. Wondering if you can use your insurance for Cerebral? Here are the steps you can take to check your insurance coverage for therapy and/or medication management: Verify with Cerebral: With your insurance information in hand, you can check your coverage. If your plan is eligible, we'll onboard you with a credentialed clinician. Review your benefits: Look through your insurance plan details to understand the extent of your coverage, including copays, deductibles, and any out-of-pocket costs. It never hurts to double-check. You could also reach out to your insurance company to verify if they cover mental health services, including therapy sessions and medication management for mental health conditions, under your plan. Because we're working toward adding new partners to provide low-cost therapy and medication management, you always have the option of signing up and using your insurance at a later date if your carrier becomes a partner. How it works After you’ve confirmed your eligibility, getting started with Cerebral is easy. Here’s how it works: Create your account in a few easy steps, and we’ll set you up with an in-network plan. Choose your in-network clinician and schedule a session on a weekday, night, or weekend.  Collaborate with your care team on a personalized plan with progress tracking and ongoing support. Focus on your care — we bill your insurance provider for you. The majority of our clients are able to see someone within a week, and while most of them are happy with their first choice, you can pick a new one whenever you want for any reason.  Cost of Cerebral subscription benefits With insurance, you can access all subscription plan benefits for $30 per month. This fee includes a range of services and features designed to support your mental health goals, including: Quick access to care (typically less than a week)  Easy online scheduling and session reminders Flexibility to choose your preferred in-network clinician  A personalized treatment plan with progress tracking Unlimited messaging with your care team between visits  In-app resources and therapeutic exercises  Complimentary lab work at partner labs when clinically appropriate for bipolar treatment Access to CerebralRx, our at-home medication delivery service with free 2-day delivery It’s important to note that CerebralRx medication costs are billed separately and are not covered by insurance benefits. If you choose to fill your prescription through another pharmacy, your insurance may cover those medications. You may also be responsible for additional cost share fees such as copays and deductibles. Understanding cost share Depending on your insurance plan, you could be responsible for additional cost-share fees like copayments, coinsurance, or the full cost of services if you haven't met your deductible. If you’re newer to the ins and outs of insurance (or, understandably, get a little confused by it), here’s what those terms mean: Copayment (copay): A fixed amount you pay for covered services at the time of your visit. Coinsurance: A percentage of the costs of a covered healthcare service you pay after your deductible. Deductible: The amount you need to pay out of pocket for healthcare services before your health insurance plan begins to cover costs. Your insurance company will send you an explanation of benefits (EOB) outlining any additional costs. For copays and your deductible, you might be able to offset costs by using tax-free dollars from a flexible spending account (FSA) or health savings account (HSA). No one likes surprise bills, so we also notify you of any owed cost share fees 7 days before charging the payment method on file. Cerebral Network and clinicians At Cerebral, we offer a network of fully licensed and trained prescribers and therapists that you can connect with all from the comfort and convenience of your home. At Cerebral, we display profiles of in-network providers, allowing you to choose the one that best fits your needs and is in-network with your payer. When using insurance for Cerebral, you’ll be able to meet with your care team whenever clinically appropriate. We’ll manage all the billing and claim submissions for you so you can focus on getting high-quality care. You can also message our care team for support between sessions. They're available during business hours and will respond to you within 1-3 business days. Other ways to help cover costs If you would prefer not to use your in-network coverage or aren't covered by insurance or one of our partners, there are other options.  Using FSA/HSA funds FSA or HSA accounts allow you to set aside pre-tax money for medical expenses, often including mental health services. You can absolutely use your HSA or FSA card as your primary payment method in your Cerebral account. Just a reminder: These accounts could also be used to cover copays and your deductible. It's always helpful to double-check and get more information. Contact your insurance provider to find out more about HSA or FSA options and how to submit receipts for reimbursement. They can also provide answers to any questions you have about ​​submitting a claim, using your HSA or FSA funds, or receiving reimbursements. How to get reimbursed for out-of-network services If you decide to choose an out-of-network clinician, you can request a special type of itemized receipt (known as a superbill) that typically includes: Client contact information  Provider information   Your diagnosis in the form of an ICD code  CPT code(s)  Dates of service Itemized list of costs Referrer contact information (if applicable) Our team would be happy to assist you with this process — all included with your subscription plan. Then, all that’s left is submitting it to your insurance provider for reimbursement. How to get one: To request a superbill, simply log into your account and send us a message. Requesting verification of your payer when added We’re continuously working to onboard new payers to expand our insurance coverage. If your insurance provider isn't currently on our list, as a Cerebral client, we'll notify you via email when new partners are added. This way, you can start using your plan benefits as soon as your carrier becomes available. Expanding insurance partnerships At Cerebral, we understand the importance of accessible mental health care. That's why we're committed to expanding our insurance partnerships to provide more people with the support they need. We're actively working to onboard new providers so our clients can have more options for affordable mental health care. Navigating insurance coverage for mental health services can be challenging, but we’re doing what we can to make it easier. Our expanded insurance partners and low-cost monthly subscription plans for insured clients can help you receive high-quality care with the convenience and affordability you deserve. Check your insurance coverage today and take the first step toward better mental health. Images by diana.grytsku and freepik on Freepik.

Therapy is a complex and often misunderstood aspect of modern mental healthcare. As the destigmatization of mental health has grown, so too has the interest and awareness of therapy.  However, with this comes a range of myths and misunderstandings that could be preventing people from seeking the help they need.  Busting seven all-too-common myths, this article serves as an essential guide for anyone curious about therapy and mental health. Myth 1: Therapy is only for people with severe mental illness Up until recent decades, mental health treatment was often reserved for severe or acute psychiatric conditions. That could be where this misconception comes from, but there also still can be a limited understanding of the scope and purpose of therapy.  This myth is one of the most damaging ones, as it overshadows the everyday benefits of therapy and creates a barrier for many individuals who may be in need of help but do not feel like their problems are ‘serious enough.’  Fact: Therapy can help you with a wide range of issues The truth is, therapy can benefit anyone who wants to understand themselves better or improve their life in any way. In-person and virtual therapists are equipped to tackle a vast array of issues, from everyday stress to diagnosable mental health conditions.  The bottom line: It's not about the severity of the problem; it's about the opportunity for growth and healing that therapy provides. Myth 2: People will think I’m crazy or weak if I go to therapy Historically, mental health issues have been cloaked in shame and secrecy, leading to the erroneous belief that needing psychological help equates to a personal failing or a lack of mental stability.  This notion is magnified by cultural narratives that valorize self-reliance and position emotional vulnerability as a weakness. These harmful misconceptions can discourage people from seeking the help they need, fearing judgment or ostracization from others.  The truth: Being in therapy is a sign of self-awareness and strength Going to therapy is not a sign of weakness because it’s all about confronting personal challenges and working toward improved mental resilience. Seeing a therapist is a brave and proactive step towards mental well-being. Society's perceptions are shifting, and more people than ever are recognizing the benefits of therapy. In fact, those who attend therapy are often admired for their courage and willingness to prioritize their health. Think of it this way: ​​You wouldn’t judge someone for going to the gym to improve their physical health. Going to therapy is no different, as it’s all about fortifying one’s mental health. Myth 3: You have to see a therapist forever People often harbor the belief that once someone starts therapy, they're bound to it for life due to the depth and complexity of mental health issues.  This view may be influenced by depictions in media that dramatize therapy as an intensely long-term commitment or from anecdotal stories of individuals who have been in therapy for many years.  Fact: The choice to continue therapy is fundamentally yours Therapy duration is highly variable and dependent on individual circumstances. For some, short-term therapy may be enough to address immediate concerns and provide tools for managing mental health. For others, long-term work may be necessary.  A good therapist will work with you to set clear goals and reevaluate your progress as you go.  The bottom line: The aim is for you to gain the skills you need and feel comfortable managing your mental health independently. Myth 4: Therapy is too expensive It’s a common misconception that it’s an unaffordable luxury. The societal stigma surrounding mental health can contribute to the hesitation to invest in therapy, as people might not view it with the same necessity as physical health services.  Particularly when it comes to in-person therapy, the cost of a session can also vary widely depending on a variety of factors like qualifications, location, and session length. This can lead to the perception that it’s prohibitively expensive.  The truth: Affordable therapy options are available Online therapy options are typically more affordable than traditional in-person therapy, which can often range from $100 to $200 per session. One reason why online therapy often costs less than that range is because teletherapy has removed a lot of the barriers that come with in-person therapy., For instance, Cerebral offers different monthly online therapy subscriptions based on your needs and budget. You also don’t need to worry about transportation costs, arranging childcare, or any of the other expenses or logistics that come with traditional therapy.  Additional options to make therapy work within your budget can also include: Finding a therapist that offers sliding-scale fees based on income Selecting a provider that works with your insurance to minimize out-of-pocket costs  Searching for a community health center that offers affordable therapy services Determining if your employer offers any mental health benefits Seeing if the cost qualifies as an HSA/FSA expenditure if you have an account The cost of in-person or teletherapy should be viewed as an investment in your long-term well-being. It’s also important to recognize the value it provides. The bottom line: Therapy can be an accessible and critical component of overall healthcare. It just may take a little time to find a solution that fits your financial needs.  Myth 5: All therapy is the same Some may mistakenly think of therapy in broad, undifferentiated strokes — envisioning a patient lying on a couch, talking while a therapist passively listens and occasionally asks, ‘And how does that make you feel?’  Fact: Therapy is a highly personalized experience  There are a diverse array of therapeutic approaches designed to cater to a wide range of psychological needs. What works for one person may not work for another. Whether you’re seeing a virtual therapist or an in-person one, sessions will be tailored to your specific needs.  Cognitive-behavioral therapy (CBT), dialectical behavior therapy (DBT), psychodynamic therapy, and art therapy are just a few examples. Each approach has its own philosophy and methods. Explore more: What Are The Different Types of Therapy? It's important to do your research and find an in-person or online therapist who uses an approach that resonates with you. Myth 6: Therapy is about exploring childhood trauma The belief that therapy primarily revolves around dissecting childhood trauma might stem from the prominence of Freudian psychoanalysis in popular culture, which often emphasizes exploring early life experiences as the root of adult psychological issues.  The truth: It’s just as much about addressing the present and the future Why the past matters: The purpose of exploring past events is to understand how those experiences may be affecting your current mental state and behaviors. However, therapy is not solely about uncovering trauma. It's about helping you do the following:  Build better relationships  Improve self-esteem and self-worth Manage stress Develop coping strategies Identify needs and wants Develop action plans to meet goals Navigate change  All of these outcomes are applicable to your present and future experiences, and ultimately will help you lead a more fulfilling life. Myth 7: I’ll feel immediately better after each therapy session Many people might hold the misconception that in-person or online therapy offers a quick fix. This expectation may stem from the desire for instant gratification. Our fast-paced, solution-oriented culture often anticipates immediate results in many areas of life, including self-improvement and health.  Additionally, portrayals of therapy in the media can contribute to this misunderstanding, where characters are often shown having breakthroughs and resolving deep-seated issues in a single session.  Fact: Therapy is a process In some cases, you may experience relief or clarity after a session, but the work of therapy has different stages, and some require more time than others. Whether you choose in-person or virtual, therapy will lead to gradual progress with consistent effort. Like any form of personal growth, the path to emotional well-being will include peaks, valleys, and plateaus. Remember: Feeling worse before feeling better is not uncommon as therapy can bring up difficult emotions and challenges. This is all part of the healing process. Removing the stigma of therapy Therapy is a highly valuable tool for maintaining good mental health, yet it continues to be plagued by outdated beliefs and misconceptions. Gaining a more accurate understanding of the practice ensures that we don’t perpetuate a harmful stigma of mental health that can lead to people neglecting their mental well-being or delaying this treatment option.  Whether you have a diagnosed mental illness or are simply looking for ways to live a more meaningful life, therapy can provide the treatment, guidance, and support you need. At Cerebral, we develop personalized plans to ensure you get the most value and benefit from our unique results-oriented program. Discover how our online therapy experience is different from other services. Image by Freepik.

It goes by many names: sunlight lamp, daylight lamp, happy light, and probably a few more, but it all involves utilizing artificial or natural light to help you feel better. Light therapy is a form of therapy that can be used to treat a range of conditions such as seasonal affective disorder (SAD), bipolar disorder, and depression.  In this guide, we'll dive into the numerous benefits of light therapy for mental health and provide tips for anyone looking to start light therapy. {MiniWidget:Generic} What is light therapy? Light therapy is a low-risk medical treatment that has shown remarkable efficacy in managing various mental health disorders. This therapeutic approach aims to reset the body's internal clock and promote a sense of balance and well-being by exposing you to specific wavelengths of light or utilizing lightboxes.  Typically performed in the morning hours, light therapy can not only enhance your mood and sleep patterns, but also contributes to an overall improvement in your quality of life.  The science behind light therapy The theory behind light therapy suggests that exposure to specific wavelengths of light can increase serotonin levels in the brain. Serotonin, a neurotransmitter, helps regulate mood. Low levels of serotonin have been linked to symptoms of depression and anxiety. When light enters your eye, it stimulates the production of serotonin, which can help restore the balance of this neurotransmitter in your brain. By enhancing serotonin levels, light therapy aims to alleviate symptoms of depression and anxiety, promoting a more positive and stable mood. Light therapy can also help in regulating your body's internal clock. Exposure to bright light during specific times of the day helps synchronize circadian rhythms, leading to improved sleep quality. Types of light therapy There are several types of light therapy. One commonly used method is bright light therapy, which involves exposure to lightboxes or bright lamps that simulate natural outdoor light. This type of therapy is often used to treat seasonal affective disorder (SAD) and other mood disorders.  Another form is dawn simulation which mimics the gradual increase in natural light at dawn. This can be particularly beneficial for you if you struggle with waking up in the morning or experience disrupted sleep patterns.  Blue light therapy involves exposure to blue light, which is believed to stimulate the production of serotonin, helping to treat sleep disorders and jet lag. There’s a range of light therapy options so be sure to do some digging when deciding which might be best for your specific condition.  Mental health benefits of light therapy Light therapy is shown to be effective in helping to treat a number of mental health disorders including Seasonal Affective Disorder (SAD), depression, and anxiety. Light therapy for Seasonal Affective Disorder  Less natural sunlight during the winter months can lead to SAD—a type of depression. Reduced sunlight can also decrease your serotonin levels, affecting your mood, and disrupting your melatonin levels, throwing off your sleep pattern. By exposing yourself to light therapy for 30 minutes in the morning, you can treat SAD, improve your mood, boost your energy levels, and reset your circadian rhythm. Light therapy for depression According to Harvard Medical School, light therapy can be as effective as antidepressant medications, or popular forms of psychotherapy such as cognitive behavioral therapy. Studies show each of these different therapies improves depression symptoms in between 40% to 60% of people. Combining any of these therapies together — light therapy and medications — tends to help even more. Light therapy for anxiety Light therapy can also be effective in treating anxiety disorders. By regulating the circadian rhythm and increasing serotonin production, it can help improve sleep quality, which is often disrupted in people with anxiety. Light therapy can also improve overall mood, helping reduce anxiety symptoms. How to use light therapy effectively Before starting light therapy be sure to do the following: Consult your doctor: Discuss your individual health needs and potential risks before starting light therapy. This is especially crucial if you have any pre-existing eye conditions, are taking medications, or have a history of skin cancer. Choose the right device: Look for light therapy devices that are FDA-cleared and emit only safe levels of visible light, with no ultraviolet (UV) radiation. Check the lux rating (measure of light intensity) and choose one appropriate for your condition and needs. Consider eye protection: While not all devices require goggles, some individuals with sensitive eyes or specific conditions may benefit from wearing them during sessions.  During use: Follow instructions carefully: Each device comes with specific instructions on usage duration, distance, and positioning. Ensure you understand and adhere to them meticulously. Avoid direct eye contact: Don't stare directly at the light source. Position the device so the light illuminates your face or upper body indirectly. Start gradually: Begin with shorter sessions (e.g., 15 minutes) and gradually increase the duration as recommended by your doctor or the device instructions. Maintain distance: Position the light source at the recommended distance from your face to avoid potential eye strain or discomfort. Time it right: Use the light therapy device at the appropriate time of day, as advised by your doctor. Generally, morning sessions are recommended for SAD, while evening sessions might be suitable for sleep regulation. Listen to your body: Stop using the device if you experience any unusual discomfort, headaches, or eye irritation. Consult your doctor immediately if these symptoms persist. Cerebral's approach to light therapy Cerebral provides talk therapy and medication management by experienced professionals—100% online. As previously mentioned, combining the treatments we offer with light therapy can help enhance their effectiveness, allowing patients to more quickly overcome their mental health challenges and get to a good place. Get started with Cerebral by signing up. Image by diana.grytsku on Freepik