Does BCBS IL cover therapy and psychiatry at Clarity Clinic?

Yes, most Blue Cross Blue Shield Illinois insurance plans will cover therapy and psychiatry. We encourage you to contact your insurance provider to determine your coverage level. If you are unable to find this, please contact your insurance carrier for further clarification.

Does my insurance plan require a referral?

PPO plans typically do not. For our PHP & IOP programs, we accept select HMO plans from BCBS and Cigna, but a referral and prior authorization are needed before starting care

Is virtual therapy & psychiatry (telehealth) covered?

Yes, telehealth services are generally covered, including virtual therapy and psychiatry sessions.

Does BCBS IL cover TMS or PHP/IOP?

Yes, Transcranial Magnetic Stimulation (TMS), Partial Hospitalization (PHP), and Intensive Outpatient (IOP) services are in-network with BCBS IL, though prior authorization may be required depending on your plan.

What happens if I have an out-of-network BCBS plan?

If your BCBS plan is out-of-network but includes out-of-network benefits, we will submit your claims to your insurance. However, your out-of-pocket costs may be higher based on your plan’s out-of-network coverage.

Will I have to submit claims?

No, Clarity Clinic will handle claim submissions to your insurance for both in-network and out-of-network services.

BlueCross BlueShield of Illinois Mental Health Coverage at Clarity Clinic

Clarity Clinic is proud to be in-network with Blue Cross Blue Shield of Illinois, offering accessible, comprehensive mental health care—including therapy, psychiatry, TMS, and PHP/IOP programs - for individuals and families across the state.

Find BCBS In-network Providers

BlueCross BlueShield Illinois In-Network | Clarity Clinic - Mental Health Provider

We're In-Network with BCBS IL

Clarity Clinic is proud to be in-network with BlueCross BlueShield of Illinois (BCBS IL). We accept a wide range of BCBS IL plans, helping make mental health care more accessible and affordable for individuals and families across the state. Whether you’re seeking therapy, psychiatry, or higher levels of care, we’re here to support you every step of the way.

Services Covered by BCBS IL

We have in-network providers available with Blue Cross Blue Shield of Illinois for a wide range of mental health services - available both in-person and virtually at Clarity Clinic.

Outpatient Services:

✅ Individual Therapy
✅ Couples & Family Therapy
✅ Group Therapy
✅ Psychiatry & Medication Management
✅ Psychological Testing & Evaluations
✅ Transcranial Magnetic Stimulation (TMS)

Higher Levels of Care:

✅ Partial Hospitalization Program (PHP)
✅ Intensive Outpatient Program (IOP)

Coverage and benefits may vary by insurance plan. We recommend verifying your specific benefits before starting care.

In-Network Plans & Coverage Details

Clarity Clinic is in-network with most BCBS IL PPO plans. It is important to note that:

We do not accept BCBS IL HMO plans for our outpatient services.
- For our PHP & IOP programs, we accept select BCBS IL HMO plans, but a referral and prior authorization are needed before starting care.
Coverage may differ depending on your plan’s network tier and mental health benefits.

What to Expect:

Most PPO plans cover therapy, psychiatry, and other outpatient services.
You may be responsible for copays, deductibles, or coinsurance, depending on your specific plan.
We strongly encourage all patients to call their insurance provider before their first appointment to confirm eligibility and coverage for “Behavioral/Mental Health” services.
Patients are responsible for all applicable deductibles, coinsurance, copayments, and any non-covered services as determined by their insurance plan.

Helpful Links:
🔗 Visit BCBS IL Member Portal

Steps You Can Take to Verify Your BCBS IL Coverage

You are your best advocate with your insurance provider, and we encourage you to reach out to your insurance company directly to understand your plan.

Verify Your Benefits

To verify your benefits, you can contact BCBS IL via the number on the back of your insurance card and advise “I’m calling to verify my (in-network or out of network) benefits for general mental health services.”

Understanding Your BCBS IL Benefits

If you are having difficulty getting the information you need, another option is to call BCBS IL's ‘Health Advocate’ or ‘Case Manager’ department. These insurance representatives are available to help you understand your benefits. There should be a number on the back of your insurance card to contact.

Ask the Following Questions

Does my plan have In-Network or Out-of-Network benefits for [therapy, psychiatry, etc]?
Does my insurance require a referral for services?
What is my co-pay for [therapy, psychiatry, etc] services?
What is my deductible?
What is my co-insurance?
What is my out-of-pocket max?
Does my deductible, co-pays & co-insurance apply toward my out-of-pocket max?
How much of my deductible have I spent this year?
Can I have a reference number for this call?