Cost is one of the most common reasons people put off psychiatric care, so it makes sense to check your insurance coverage before booking an appointment. Blossom Health is a telehealth psychiatry platform that works with in-network insurance. This means that your visits can be billed through your health plan instead of paid entirely out of pocket.
This guide covers which plans Blossom Health works with, what can affect your out-of-pocket costs, and how to confirm coverage for your specific plan.
Key Takeaways
Blossom Health works with in-network insurance. It works with many major plans, including UnitedHealthcare, Anthem, Aetna, Blue Cross Blue Shield, Cigna, and Oscar. Many patient copays usually fall between $0 and $22, although your actual cost depends on your insurance plan.
Federal rules already require most plans to cover mental health care. Marketplace plans must include mental health and substance use services as an essential health benefit. Federal parity rules generally require covered mental health benefits to be comparable to medical and surgical benefits.
Coverage is confirmed during signup, not guessed at. Blossom Health’s intake process asks for your state and your insurance plan up front, which takes about five minutes and tells you where you stand before an appointment is scheduled.
What Insurance Does Blossom Health Accept?
Blossom Health lists the following major insurers on its insurance page, along with additional plans. Because networks vary by state and by the specific plan, seeing an insurer on the list does not guarantee that every plan from that insurer is in-network.
If your insurer appears on the list, the next step is confirming that your particular plan and state are covered. If your insurer is not listed, you can still check your eligibility during the signup process, since Blossom Health works with additional plans beyond those displayed on its insurance page.
Is Online Psychiatry Covered by Insurance?
Insurance coverage for mental health care is not a single yes or no question. It depends on whether the provider is in your plan's network, what your specific benefits include, and type of care you receive.
Understanding these factors can make it easier to determine what your plan may cover and what you may pay.
In-Network vs. Out-of-Network Psychiatric Care
A provider is in-network when they have a contract with your insurance company that sets an agreed rate for covered services. Depending on your plan, you typically pay a fixed copay or a share of that agreed rate, and the plan pays the rest.
Out-of-network care can cost more, and some plans provide little or no out-of-network coverage.
Blossom Health describes its model as psychiatric care covered by in-network insurance, and its providers are credentialed with participating insurers. This can affect how much you pay for covered visits compared with seeing an out-of-network provider.
What Mental Health Parity Laws Require of Your Plan
The Mental Health Parity and Addiction Equity Act (MHPAEA) generally requires certain health plans that offer mental health and substance use benefits to keep those benefits comparable to medical and surgical coverage. This means that copays, deductibles, coinsurance, and visit limits for psychiatry generally cannot be more restrictive than the equivalent rules for other kinds of care.
Federal agencies continue to update and enforce these rules, and mental health services are 1 of 10 categories that qualified plans must include as essential health benefits.
Parity does not guarantee that any particular psychiatrist or telehealth provider is in your network. You still need to confirm that your specific plan covers the provider and service you want to receive.
How Much Does Blossom Health Cost With Insurance?
Your out-of-pocket cost for an in-network visit depends on the details of your insurance plan rather than a single published price. Copays, deductibles, and coinsurance can all affect how much you pay for psychiatric care.
Blossom Health Copays
A copay is a fixed amount you pay per visit for a covered service. Blossom Health reports that many patient copays fall between $0 and $22, although your actual copay depends on your insurance plan and benefits. Specialist copays are sometimes higher than primary care copays, so it is worth checking how your plan classifies psychiatric visits.
Deductibles and Coinsurance for Psychiatry Visits
If your plan has a deductible that applies to outpatient behavioral health, you may pay some or all of the allowed cost of a covered visit until that deductible is met. After that your plan may require a copay or coinsurance.
Coinsurance is a percentage of the visit cost rather than a fixed fee. Your deductible and other cost-sharing amounts may reset when your plan year begins. Usually, the costs tend to become higher when a plan resets.
Are Psychiatric Medications Covered by Insurance?
If your treatment plan includes a prescription, the medication is generally billed under your pharmacy benefit rather than your medical visit benefit. Many psychiatric medications are available as low-cost generics. However, coverage and out-of-pocket costs vary based on your plan’s formulary and pharmacy benefits.
Your provider can discuss available medication options, while your insurer or pharmacy can confirm what a specific prescription may cost under your plan.
First Visit vs. Follow-Up Visit Costs
A first psychiatric appointment is typically longer than a follow-up, and may be billed under a different procedure code. Blossom Health describes the initial visit as an hour-long video session in which your provider reviews your background, medical history, symptoms, and current medications. Based on this information, your provider can make a diagnosis and build a treatment plan tailored to your needs. Follow-up visits are typically shorter and focus on how treatment is working.
Because those two visit types are coded differently, your plan may apply a different cost share to each. If you are budgeting, it helps to ask your insurer about both rather than only the first appointment.
How to Check If Blossom Health Takes Your Insurance
The easiest way to check your coverage is to start with Blossom Health’s signup process and then confirm your benefits with your insurance company. A few steps can help you understand whether your plan is covered and what you may pay:
Start with your state and insurance plan. Blossom Health's intake asks for both up front, which takes roughly 5 minutes and screens for eligibility before scheduling.
Call the number on your insurance card. Ask specifically about outpatient behavioral health coverage delivered by telehealth.You can also ask whether a referral or prior authorization is required.
Ask what your copay is for a psychiatric evaluation. Initial evaluations and follow-up visits are billed with different codes and can carry different costs. Ask you insurer what you would pay for initial evaluation and follow-up visits.
Check whether your deductible applies. This single question often explains most of the difference between what people expect to pay and what they are billed. Ask whether you have met your deductible and whether it applies to outpatient behavioral health services.
You can also read more about how virtual psychiatric benefits generally work in Blossom Health's guide to insurance coverage for online psychiatry, or review condition-specific breakdowns for anxiety treatment and ADHD treatment.
Why Insurance Coverage Matters for Psychiatric Care
Cost and availability can both make it difficult to access mental health care. According to the Health Resources and Services Administration (HRSA), as of December 2025, federal workforce data estimates more than 137 million Americans are living in designated mental health professional shortage areas. In these areas, only about 27% of the estimated need for providers was being met.
Telehealth can expand access to psychiatric care by increasing the pool of clinicians a person can reach. It can also reduce barriers such as transportation, long travel times, and time away from work. Pairing fewer barriers with in-network billing removes two obstacles at once, which matters given that a large number of adults with a mental illness do not receive treatment in a given year.
How Blossom Health Can Help
Blossom Health connects people with board-certified, licensed psychiatric providers for virtual visits covered by in-network insurance.
The sign-up process takes about 5 minutes. It asks for your state and insurance plan first, matches you with a provider who fits your needs and schedule, and confirms your appointment once your details are in.
If Blossom Health is not the right fit for your situation, your provider can point you toward other resources. You can check your coverage and get started here.
Medical Disclaimer
This article is for educational purposes only and does not constitute medical advice. The information provided should not replace consultation with a qualified healthcare provider. Individual responses to medications can vary significantly, and what applies to one person may not be the same for another.
Always consult with your doctor or pharmacist before making any decisions about medication changes, discontinuation, or interactions with other substances. If you’re experiencing concerning symptoms or side effects, please seek professional help from a healthcare provider.
In case of a medical emergency, contact your local emergency services immediately or call 911. For mental health emergencies, contact the National Suicide Prevention Lifeline at 988.
Sources
HealthCare.gov. Mental health and substance abuse health coverage options. https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/
HealthCare.gov. Find out what Marketplace health insurance plans cover. https://www.healthcare.gov/coverage/what-marketplace-plans-cover/
Centers for Medicare and Medicaid Services. (March 13, 2026). Information on Essential Health Benefits Benchmark Plans. https://www.cms.gov/marketplace/resources/data/essential-health-benefits
U.S. Department of Labor. Mental Health and Substance Use Disorder Parity. https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/mental-health-and-substance-use-disorder-parity
U.S. Department of Labor. Understanding Your Mental Health and Substance Use Disorder Benefits. https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/understanding-your-mental-health-and-substance-use-disorder-benefits
U.S. Department of Labor. Fact Sheet: Final Rules under the Mental Health Parity and Addiction Equity Act. https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/final-rules-under-the-mental-health-parity-and-addiction-equity-act-mhpaea
U.S. Department of Health and Human Services. (August 13, 2026). Mental Health and Substance Use Insurance Help. https://www.hhs.gov/programs/health-insurance/mental-health-substance-use-insurance-help/index.html
Health Resources and Services Administration. (June 30, 2026). Designated Health Professional Shortage Areas Statistics. data.hrsa.gov
National Institute of Mental Health. (September, 2024). Mental Illness Statistics. https://www.nimh.nih.gov/health/statistics/mental-illness
National Institute of Mental Health. Help for Mental Illnesses. https://www.nimh.nih.gov/health/find-help
American Psychiatric Association. (April, 2023). What Is Telepsychiatry? https://www.psychiatry.org/patients-families/telepsychiatry
Telehealth.HHS.gov. (April 30, 2025). Licensing across state lines. https://telehealth.hhs.gov/licensure/licensing-across-state-lines
