Blue Cross Blue Shield of Texas (BCBSTX) is the state's largest insurer, and most of its plans cover outpatient mental health care. Here's what to expect.
What's typically covered
Most BCBSTX plans cover outpatient therapy with a licensed provider. Federal mental health parity rules generally require that mental health benefits be comparable to medical benefits.
What you'll pay
Your cost depends on your specific plan — a copay per session, or coinsurance after your deductible. HMO plans may require an in-network provider; PPO plans offer more flexibility. Always confirm with your plan.
How to confirm
Use Tend's insurance verification to check your BCBSTX plan, or call the member number on your card and ask about your outpatient mental health benefit and copay.
Frequently asked
Do I need a referral with BCBS Texas?
PPO plans usually don't require a referral for therapy; some HMO plans might. Confirm with your plan.