What insurance plans do you accept?
We currently accept the following insurance plans for covered medical consultations:
- Aetna - Patients residing in California, Colorado, Florida, Illinois, Massachusetts, New York, Ohio, Oregon, Pennsylvania, Texas, Virginia, and Washington
- Anthem - Patients residing in California and Colorado
- Blue Cross Blue Shield - Patients residing in California, Florida, Illinois, Massachusetts, and Texas.
- Cigna (Evernorth) - Patients residing in California, Colorado, Florida, Illinois, Massachusetts, New York, Ohio, Oregon, Pennsylvania, Texas, Virginia, and Washington
- United Healthcare - Patients residing in California, Colorado, Florida, New York, Ohio, Texas, and Washington
We’re committed to expanding access to mental health care. Check back here for the latest additions to our coverage.
Request a free insurance benefits check here.
Do you accept Medicare/Medicaid?
At this time, Journey Clinical does not accept traditional Medicare or Medicaid for our Clinician Visits. This includes Medicare Advantage and Medicaid plans managed by commercial insurance payers (e.g. Medi-Cal is not accepted). However, you can check with your therapist to see if they accept Medicare or Medicaid for your therapy sessions.
What does Insurance Cover at Journey Clinical?
Journey Clinical offers a variety of services to support your unique needs, and insurance coverage will differ based on the type of service that we provide you. Here are some simple guidelines:
Covered services: Clinician Visits with Journey Clinical (Initial Consultations and Follow-up Visits) may be eligible for coverage by your insurance plan. Some member therapists now accept insurance via Journey Clinical for therapy sessions. We submit these services to your insurance company at the completion of your appointment. Any remaining payment responsibility, such as a copay, will be billed to you after the services are completed. You are responsible for verifying and understanding your eligibility and copay responsibility.
Non-covered services: Journey Clinical’s digital tools, on-demand services, and some prescription medications, such as ketamine if you are eligible for Ketamine-Assisted Psychotherapy (KAP), are not covered by insurance plans. For non-ketamine prescription medications, we can send the prescription to your local pharmacy so they can assess your insurance coverage.
For sessions with therapists accepting insurance via Journey Clinical, the non-psychotherapy observation and monitoring portion of a ketamine-assisted psychotherapy dosing session is not covered. Payment will be collected through Journey Clinical after the dosing session, at the following rates:
- Insurance copay / deductible for the psychotherapy portion and $165 per hour for the observation and monitoring portion of the session, OR
- $165 per hour for the entire session, OR
- a flat rate of $330 for the entire session
When your insurance doesn’t cover a service, we collect cash payment when you book your appointment, or after the session. You will pay a single amount for all non-covered services in the program, such as Patient Portal tools, on-demand services, and any non-covered medication. Depending on your specific plan, your payment responsibility will vary; in some cases if your plan does not cover a service or if you have a deductible to meet, you could be responsible for the full visit cost. If you have any questions about coverage or eligibility, you should verify with your insurance provider.
If you aren't eligible to continue with KAP for any reason, all non-covered service charges will be fully refunded.
Will my therapist accept my insurance?
Some Journey Clinical member therapists accept insurance for preparation, integration, and dosing therapy sessions, while others do not accept insurance and may support out-of-network benefits only. If you already have a Journey Clinical therapist, you can ask your therapist about whether they accept insurance.
If you do not yet have a Journey Clinical member therapist, we will help to match you with the right therapist for your needs and preferences after booking your medical intake appointment. Upon request, we will do our best to match you with a therapist who accepts your insurance for preparation and integration therapy sessions. Please note that your therapist will determine how much (if any) of your dosing session is eligible for insurance benefits. If any amount, typically only the first hour of dosing sessions will be covered by insurance (for in-network coverage) or eligible for reimbursement (for out-of-network coverage). Dosing sessions typically take 2-3 hours.
What if Journey Clinical doesn’t accept my insurance?
If you don’t have one of our accepted insurance plans, a portion of your visit may still be eligible for out-of-network reimbursement from your insurance provider. Learn more about out-of-network insurance reimbursement at Journey Clinical.
What if I don’t have insurance?
To make mental health care more accessible to more people, Journey Clinical continues to offer services with a cash-pay option that people without insurance can select when booking.
How does the insurance billing process work?
To process your insurance, we use the insurance information that you upload to your Patient Portal. First, we verify your eligibility with your insurance company, and contact you with any questions. At the end of your visit, we automatically submit the claim to your insurance company. If there are any remaining payment responsibilities for you (see: copay, deductible) we will automatically bill you for these services and send you a receipt.
When you use insurance for Journey Clinical services, you may run into some unfamiliar terms. Here’s a quick guide to help:
- Deductible: A deductible is the amount that you’re responsible to pay out-of-pocket every year before insurance will begin to cover some types of care. Deductibles typically reset every year.
- Copay: A copay is a fixed amount of money that you (the healthcare beneficiary) pay for covered medical services. Copay amounts vary from plan to plan and differ based on the service provided.
- Coinsurance: Similar to a copay, coinsurance is the percentage of what you (the patient) pay; it is a way for you and your insurance company to share the cost of covered expenses.
- Covered and non-covered services: You may choose a program at Journey Clinical that includes services that aren’t covered by your insurance plan. You will be responsible for paying for these fees, rather than your insurance company. Learn more about non-covered services
The amount you pay after insurance depends on how much your insurance plan covers. Typically, you will be responsible for a copay or coinsurance for the covered services, and then the remaining balance of the visit that the plan doesn’t cover (non-covered services). This could range from 0% to 100% depending on your plan and the amount of your deductible.
For example, if your plan covers 80% of medical visits, you have a $20 copay, and have satisfied your deductible for the year, you will pay 20% of the medical visit + $20 copay.
You are responsible for verifying and understanding your own insurance eligibility and benefits. To get your specific coverage details, call the phone number on the back of your insurance card. If you have trouble, send us a photo of the front and back of your card to patient-billing@journey.clinic and we’ll help look into it for you.
How can I verify my insurance eligibility?
Every insurance plan is different, and your cost will depend on your specific coverage. It is up to you to verify your insurance eligibility and coverage.
If your insurance is accepted by Journey Clinical, our team may be able to support you in verifying your eligibility. Send us an email at patient-billing@journey.clinic with a photo of the front and back of your insurance card if you have any questions.
If you’re an existing patient and have one of the insurance companies we accept, you may use it for any future sessions with our Medical Care Team or some member therapists who now accept insurance via Journey Clinical. Remember that your insurance will only pay the covered services of the visit, and some cash fees will still apply. You may also be responsible for a portion of the covered service costs up to 100%, depending on your insurance plan.
If your insurance is not currently one we accept, you may still be eligible for out-of-network coverage. Learn about how you can download and submit your superbill automatically from your Journey Clinical Patient Portal.
What if my insurance changes or needs to be updated?
You can always update your insurance in your Patient Portal. Simply log in and upload a new photo of your insurance card. If you have any questions, reach out to us at patient-billing@journey.clinic.
How will I know how much I owe?
When you book your appointment, you’ll be billed for all non-covered services included in your Personalized Treatment Plan. This applies to all patients, while the amount and type of costs will vary depending on whether you’re using cash or insurance.
For Journey Clinical-covered therapy sessions, your card on file will be charged for your co-pay or deductible, as well as any non-covered services after your appointment.
What is your refund and cancellation policy if I pay with insurance?
If your appointment is more than 72 hours (3 days) away, you can reschedule or cancel for free. Log in to your Patient Portal, and on your Homepage you’ll see your consultation date and time. Select ‘Manage appointment’ and follow the prompts to reschedule.
Important: If you reschedule or cancel a consultation within 72 hours (3 days) of the scheduled start time, you will be charged a cancellation fee. To do this, contact the Journey Clinical Patient Support Team for assistance patient-support@journey.clinic
If you used insurance to pay, the cancellation policy is:
| Initial Evaluation | Follow Up | |
| 0–72 hours before appointment time | Charged $200 for late cancellation fee | Charged $150 for late cancellation fee |
| 73 or more hours before appointment time | Full refund | Full refund |
| Not eligible for KAP | Refund of non-covered services | Refund of non-covered services |
For Journey Clinical-covered therapy sessions, appointments must be canceled or rescheduled at least 24 hours in advance of the session to avoid any charges. You will be considered a no-show if you are more than 15 minutes late to your scheduled appointment. To reschedule or cancel an appointment, please contact your therapist.
If you cancel with less than 24 hours’ notice or miss your scheduled appointment, you will be charged a cancellation fee of $82.50. The cancellation fee is not eligible for insurance reimbursement.
*Refunds may take 5-10 business days to be processed.
For more questions, reach out to us at patient-support@journey.clinic.