Check your insurance coverage

We work with a select group of insurance providers to help cover the cost of your services, and are actively working to expand our insurance partners
Check my coverage
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How it works

How it works

Check your insurance

Answer a few questions to find out if your insurance plan is accepted. We’re designed to be affordable with or without insurance.
How it works

We’ll reach out to you

We’ll email you with details of what’s covered with your plan, what type of support you are looking for, and help you create an account.
How it works

Receive a personalized plan

Once you're signed up, you'll meet with a clinician to create a personalized care plan. We'll bill your insurance for you.
Check my coverage

Other ways to help cover the cost

Save on the cost of care even if you’re out-of-network
Other ways to help cover the cost

Use your FSA/HSA funds

Our services and medication costs are eligible for reimbursement. Use your FSA or HSA card as your primary payment method or you can submit charges for reimbursement.
Covered costs include:
Subscription plan
Subscription plan
Medication
Medication
Out-of-network copays and deductibles
Out-of-network copays and deductibles
Other ways to help cover the cost

Request an itemized invoice

After you’ve paid for your services, you can request an itemized invoice from Cerebral to submit an out-of-network claim to your insurance provider.
Here’s what you should know:
Typically, your deductible must be met before your insurance provider will start to reimburse you
Typically, your deductible must be met before your insurance provider will start to reimburse you
Reimbursements will vary depending on your plan and insurance provider
Reimbursements will vary depending on your plan and insurance provider

Contact your insurance provider for instructions on how to submit an itemized invoice as an out-of-network claim

Get started with out-of-network coverage

If we don’t take your insurance yet, you can use your FSA/HSA funds or submit an out-of-network reimbursement later. We are expanding the insurance providers we work with as quickly as possible.
Get started

Frequently asked questions

Our insurance plan costs $30 a month plus any additional cost-share that is determined by your insurance plan. The $30 per month fee gives you access to all of Cerebral benefits, such as:

  • Quick access to care (typically less than a week)
  • Flexibility to choose your own preferred in-network clinician
  • A personalized treatment plan
  • Unlimited messaging with your care team between visits
  • Access to a team of on-call clinicians with responses in 2 business days or less
  • In-app resources and therapeutic exercises
  • Superior customer service
  • Additionally, for patients on medication plans, access to CerebralRx, our at-home medication delivery service with free 2-day delivery.

* Please note: Medication costs are billed separately and are not covered by your insurance benefits

Cigna:

  • Arizona
  • California
  • Florida
  • Georgia
  • Illinois
  • New York
  • Pennsylvania
  • Texas
  • Virginia
  • Washington

Highmark - Blue Cross  Blue Shield

  • Pennsylvania

Blue Cross and Blue Shield of Texas

  • Texas

Blue Cross Blue Shield of Illinois

  • Illinois

You will be able to meet with fully licensed and trained prescribers and therapists depending on the type of service you choose.

Therapy

Meet with your therapist once a week, or up to 5 times a month. Log into your account and click on Messages, and then Therapist Chat, to send them a message between sessions if necessary.

Medication

Meet as often as clinically necessary as recommended by your prescriber — typically once a month. You can log into your account and send a message to our on-call care team anytime for additional support.

Depending on your insurance plan, you may be responsible for additional cost share fees (also known as member responsibility), such as copayments, coinsurance, or the full cost of services if you have not met your deductible. Your insurance company will send you an Explanation of Benefits (EOB) once the claim is processed, outlining any additional costs you may be responsible for. Please be aware that Cerebral will also notify you of any owed cost share three days prior to charging the payment method on file.

Here is a quick overview of some common insurance-related terms:

  • Copayment (Copay): A fixed amount you pay for covered services at the time of your visit.
  • Co-insurance: A percentage of costs of a covered healthcare service you pay after you have paid your deductible.
  • Deductible: The amount you pay out of pocket for healthcare services before your health insurance plan begins to pay. This includes all healthcare services, not just those through Cerebral. You do not start over meeting your deductible when you join Cerebral.

You can anticipate a charge for your cost share on your stored payment method approximately 60-90 days after your date of service. Cerebral will notify you three business days before processing any charges.

At Cerebral, we will show you profiles of eligible providers so you can select the one that best meets your preferences. By showing you participating providers, you can reduce the chances of your visit being billed out-of-network or denied by your insurance company.

At Cerebral, we are continuously collaborating with new payers to broaden our insurance coverage. If your current provider is not supported yet, please know that we are actively working to onboard new ones. As a Cerebral member, you can always request verification of your payer when a new provider is added, and we will seamlessly transition you to our insurance plan.

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