Insurance & Coverage — North Texas
Use your insurance for therapy in North Texas.
At Transitions Therapeutic Services, we work directly with your insurance provider so you don’t have to navigate the process on your own. From verifying your benefits to submitting claims, our team handles the details so you can focus on what actually matters — your care.
- ✓ In-network with major insurance providers
- ✓ We verify your benefits before your first session
- ✓ We bill your insurance directly — no paperwork for you
- ✓ EAP benefits accepted
- ✓ Out-of-network options available
✓ Benefits Verified For You
✓ Direct Insurance Billing
✓ EAP Plans Accepted
✓ No Surprise Bills
Do You Accept My Insurance?
We are in-network with major insurance providers.
Because insurance networks can vary by plan, the best way to confirm your coverage is to let our team verify it for you. We’ll check your benefits and explain everything clearly before your first appointment.
Blue Cross Blue Shield
Aetna
Cigna
UnitedHealthcare
Baylor Scott & White Health Plan
Magellan Health
Select Employer-Sponsored Plans (EAPs)
Not sure if we take your plan?
The fastest way to find out is to let us check for you. Provide a few details and our team will verify your mental health benefits directly — no phone calls to your insurer required on your end.
We’ll explain your coverage in plain English before your first appointment so there are no surprises.
Verification typically takes 24–48 hours
After you submit your information, our team contacts your insurance provider directly and reports back with a clear breakdown of your benefits, deductible status, and expected out-of-pocket costs.
How It Works
We handle insurance — so you don’t have to.
Most people don’t realize how complicated therapy insurance can be. Deductibles, copays, in-network vs. out-of-network, session limits, pre-authorizations — you don’t need to figure any of that out on your own.
01
You reach out
Fill out our contact form or call us. We’ll collect your insurance information as part of the intake process.
02
We verify your benefits
Our team contacts your insurance provider directly to verify your mental health benefits — typically within 24–48 hours.
03
We explain your coverage
We break down your deductible, copay, and expected out-of-pocket costs in plain English — before your first appointment.
04
We bill on your behalf
We submit claims directly to your insurance provider after each session. No paperwork, no guesswork, no surprises.
No guesswork. No surprises.
We handle the insurance process from start to finish so you can focus on your care.
Understanding Your Benefits
How therapy insurance works
If you’ve never used insurance for counseling before, here’s what typically matters — and what we’ll explain clearly before your first session.
01
Your Deductible
This is the amount you may need to meet before your insurance starts covering sessions. We’ll tell you exactly where you stand before your first appointment.
02
Your Copay or Coinsurance
Once your benefits apply, you may have a fixed copay per session or a percentage of the session cost. We’ll explain exactly what to expect so there are no surprises.
03
In-Network Coverage
Being in-network means your insurance has pre-negotiated rates with us, which typically lowers your out-of-pocket cost compared to seeing an out-of-network provider.
EAP Benefits
Employee Assistance Programs (EAPs)
Many employers offer Employee Assistance Programs that include free therapy sessions. If your plan includes EAP benefits, you may qualify for a set number of sessions at no cost to you.
EAP benefits are separate from your standard health insurance and are often completely free — many people don’t realize they have them until they ask.
EAP plans we currently accept include:
- ✓ Aetna EAP
- ✓ Cigna EAP
- ✓ Optum / UnitedHealthcare EAP
- ✓ Magellan EAP
- ✓ Additional plans available — contact us to confirm yours
Note: EAP plan list subject to change. Reach out to confirm current participation before your first session.
Important: EAP Authorization
EAP patients must have authorization before their first session.
If you are using EAP benefits, you are required to obtain your authorization number from your employer or EAP provider before attending your first appointment. Sessions cannot be billed to your EAP without a valid authorization on file.
⚠ Please do this before scheduling
Contact your HR department or call the number on the back of your insurance card to request your EAP authorization number. Have it ready when you reach out to us — it helps us get you scheduled faster and ensures your sessions are covered from day one.
Not sure how to get your authorization or whether your employer offers EAP benefits? We can help you figure that out — just let us know when you reach out.
Out-of-Network Options
Not in-network with your plan?
If we are not in-network with your specific plan, you may still have out-of-network benefits that allow you to receive partial reimbursement for your sessions.
- ✓ Your insurance may reimburse a portion of your sessions
- ✓ We can provide superbills for reimbursement documentation
- ✓ We’ll walk you through all available options
We’ll never leave you without options. If your plan doesn’t cover us directly, we’ll explain exactly what alternatives are available to you.
Questions about your specific plan?
Every plan is different. The fastest way to know where you stand is to let our team verify your benefits directly — we’ll tell you exactly what’s covered, what’s not, and what to expect before your first session.
What Will I Pay?
Transparent about cost — before you commit to anything.
The honest answer: it depends on your specific insurance plan. But here’s what you can always count on when working with us.
01
We verify before you start
We check your benefits before your first session so you know exactly what you’ll pay — no guessing, no retroactive surprises.
02
We explain in plain English
No insurance jargon. We tell you your deductible status, your copay, and your expected out-of-pocket cost in terms you can actually use.
03
We bill on your behalf
After every session, we submit claims directly to your insurance. Our goal is to remove every administrative burden from your side of the equation.
Common Questions
Frequently asked questions
Straightforward answers — because insurance shouldn’t require a decoder ring.
Do I need to call my insurance company myself?
No. We handle benefit verification for you and explain everything before you begin. You won’t need to spend time on hold with your insurance provider.
What if I haven’t met my deductible yet?
We’ll explain exactly how that impacts your cost before your first session so there are no surprises. In many cases you can still be seen — you’ll just pay the session rate until your deductible is met.
Do you bill insurance directly?
Yes. We submit claims on your behalf after every session so you don’t have to deal with paperwork or reimbursement forms.
Do I need an EAP authorization before my first session?
Yes — this is required. You must obtain your EAP authorization number from your employer or EAP provider before your first appointment. Sessions cannot be billed to your EAP without a valid authorization on file. Contact your HR department or call the number on the back of your insurance card to get yours.
How long does insurance verification take?
Typically 24–48 hours after you provide your information. We’ll follow up with a clear summary of your benefits as soon as we hear back from your insurer.
Can I use insurance for couples or family therapy?
Some plans allow it while others have restrictions. We’ll verify this for you specifically — coverage for couples and family sessions varies significantly by plan.
What if my insurance changes?
Just let us know — we’ll re-verify your benefits and adjust your billing accordingly. Insurance changes happen, and we make it easy to update your information with us.
Do you accept Baylor Scott & White or Magellan?
Yes — we are in-network with both Baylor Scott & White Health Plan and Magellan Health. As always, we recommend letting us verify your specific plan before your first session to confirm current participation and your individual benefits.
Don’t see your question here? We’d love to hear from you.
Get Started
We’ll check your insurance for you.
If you’re unsure about your coverage, the easiest next step is to let us handle it. Provide a few details and our team will verify your benefits, explain your coverage, and help you get scheduled — no pressure, no confusion.
01
Reach out online
Fill out our contact form and include your insurance information. We’ll take it from there.
02
Call us directly
Prefer to talk first? 469-712-5481 — we’re happy to walk you through the process.
03
We handle the rest
Verification, billing, claims — all handled by our team. You focus on getting the support you need.
- ✓ BCBS, Aetna, Cigna, UnitedHealthcare
- ✓ Baylor Scott & White Health Plan
- ✓ Magellan Health
- ✓ EAP Plans Accepted (Authorization Required)
- ✓ Out-of-Network Options Available
- ✓ McKinney, TX — Serving North Texas
This page is for informational purposes only. Insurance coverage, benefits, and reimbursement amounts vary by plan and are subject to change. Verification of benefits does not guarantee payment or coverage. EAP authorization must be obtained prior to your first session. Transitions Therapeutic Services of North Texas, PLLC.