The State of Mental Healthcare in 2024

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.

Navigating mental health can be difficult, and understanding the benefits and differences between online mental health providers can add an additional layer of confusion to the process.  So we’ve introduced Cerebral Way: results-oriented care that puts you first with personalized plans and clear goals for your mental health.  How is Cerebral Way different? Most online mental health services simply match you with a clinician and hope you’ll stay on their plans without any goals or end-points in sight. Cerebral Way recognizes you as an active participant in your mental health care. We’ve developed a program with your goals and milestones at the center, so you can track your progress and know what to expect along the way.  A collaborative approach Cerebral Way has struck an important balance between consistent care with high standards for all of our clients. Our clinicians take your goals, needs, and life experiences into account so you get a personalized plan for treatment. This collaborative approach means you’ll always know what to expect along your way to mental wellness.  When you work with any of our high-quality clinicians, you’ll know they’re upholding Cerebral standards to shape your path forward. How it works  1. We'll get to know each other Your journey with Cerebral starts with an intake session with your therapist or prescriber. They’ll ask you some questions about your experience, why you’re seeking support, and any symptoms you may be experiencing. The focus is on understanding you and your experiences, goals, and challenges. There are a few administrative points in this session as well: confirming your identity and making sure you have the app are two examples. This only happens in the first session. If you opt for a medication plan, your clinician may determine a diagnosis and prescribe medication if it’s appropriate.    After this session you can decide whether you’d like to continue with your clinician or start with a new one. Cerebral makes it easy for you to switch any time.  2. You'll get a personalized plan Now that they’ve gotten to know you, your clinician will craft a personalized treatment plan tailored to your needs, and you’ll set goals together. This is a roadmap for your mental health journey, complete with milestones and check-ins with your therapist and/or prescriber. If you were prescribed medication at your intake session, you’ll have a follow-up session to discuss how you’re doing with the medication and its dosage, if you’re experiencing any side effects, and any other general questions you might have.  3. Keep track of your progress  At this point in therapy, you’ll begin regular check-ins to see how you’re feeling about your progress. Your therapist or prescriber will discuss how treatment is going and make any adjustments to your sessions or treatment plan. If you’re on a medication plan, you can message your prescriber between sessions to get help with dosage and refills. You can also get your medication shipped directly to your door with CerebralRx. How Cerebral Way helps Cerebral Way is our intentional approach to mental health care and our commitment to helping you see as much progress as possible. Completely personalized care With Cerebral Way, you're not just a name or diagnosis. Your clinician understands your specific needs, goals, and experiences, shaping a path forward that is unique to you. You're always in control If you find that you're not making the progress you’d like to see with your therapist or prescriber, you have the flexibility to switch to a new one at any time. Consistent, quality care Cerebral therapists and prescribers are thoroughly vetted, credentialed, and trained to provide high quality care. You can also message them between sessions if you have any questions or concerns about your treatment. Clear destinations Your clinician will review your goals, milestones, and progress with you so you can see how much progress you’re making and adjust your care if your needs change. An evidence-based approach Cerebral clinicians have access to the most up-to-date studies and breakthroughs in the industry to make sure their approach to treatment is based on meaningful research. Clinically proven results Cerebral clients are three times more likely to report feeling better after two months* of following their therapy or medication plans. Cerebral Way is not just a mental health service – we’re invested in your progress and your partner toward a healthier and happier life. *Based on Cerebral clients with moderate to 
severe anxiety and depression from 2020-2023.

Today, we’re proud to announce we have achieved an important milestone in the progression of our mission to democratize access to high quality mental health care for all. Cerebral, launched in 2020, has expanded its therapy services to all 50 states and the District of Columbia in less than two years.  “The speed at which we have accomplished having clinicians available to provide therapy services to patients in every state is a testament to the quality of care we offer,” said Christine Cauwels, Cerebral’s Associate Director of Therapy. “What’s even more exciting is what this means for increasing access to effective mental health care for more people. We are able to meet the high demand for care, and are able to provide access to care quickly, averaging three days from signup to the first appointment for our patients.”  This exciting news comes in October, which is an important month for mental health as we recognize Mental Illness Awareness Week and today, World Mental Health Day. In fact, the theme for World Mental Health Day this year is “Make mental health & well-being for all a global priority.” Having the ability to provide therapy services to patients in every state is just one of the ways Cerebral is meeting the theme of World Mental Day, created by the World Health Organization.  As we recognize that Cerebral now has licensed therapists in all 50 states, we look forward to helping more people on their mental health journeys. Data has shown that the most effective treatments can be a combination of psychiatric and behavioral therapy services. In fact, between 70 and 90 percent of individuals have a significant reduction of symptoms and improved quality of life through a combination of pharmacological and psychosocial treatments.  We are thrilled to be able to now offer this effective combination of treatment services to all of our patients across all 50 states, as we know this gets us one step closer to our mission of democratizing access to high quality mental health care for all..