Insurance & Fees · Austin, TX
Does Insurance Cover Therapy in Austin?
What's covered, what's not, and how to figure out your real out-of-pocket cost.
Most major insurance plans in Texas do cover outpatient therapy — but coverage depends on your specific plan, your deductible, and whether your therapist is in-network. Here's how to check and what your options are.
In-network via Headway
Haven & Harbor is in-network through Headway for Aetna, Aetna Medicare, Ambetter, Ascension SmartHealth, BlueCross and BlueShield, Carelon Behavioral Health, Cigna and Evernorth, Humana Medicare, Oscar Health, UnitedHealthcare (UHC | UBH), and WellCare. Headway verifies your benefits before your first session so you know your copay upfront.
Out-of-network & superbills
If your plan isn't listed, many PPO plans reimburse a portion of out-of-network therapy. We provide monthly superbills you can submit for reimbursement.
FAQ
Common questions
Which insurance does Haven & Harbor accept?
In-network via Headway for Aetna, BlueCross and BlueShield, Cigna and Evernorth, UnitedHealthcare (UHC | UBH), Oscar Health, Ambetter, Carelon Behavioral Health, WellCare, Ascension SmartHealth, Aetna Medicare, and Humana Medicare.
What if my plan isn't listed?
Self-pay starts at $150 per session. We provide superbills you can submit for out-of-network reimbursement.
How do I check my mental-health benefits?
Call the number on your card and ask: Do I have outpatient mental-health coverage? What's my copay or coinsurance? Is there a deductible I need to meet first?
Do you take Medicare or Medicaid?
Aetna Medicare and Humana Medicare are accepted. Medicaid is not accepted at this time.
Take the first step
You don't have to carry it alone.
Schedule a free 15-minute consultation to see if Haven & Harbor is the right fit. No pressure, no commitment — just a conversation.