Your Path to Wellness: Navigating Therapy with Ambetter Insurance
At CARE Counseling, we believe that financial logistics should never be the "wall" that stands between you and your mental wellness. We are committed to making high-quality, professional therapy accessible to our community. That is why we are proud to work with Ambetter of Illinois members to provide research-backed, compassionate care.
If you are covered by Ambetter, you have access to essential health benefits that include mental and behavioral health services. Here is how you can use those benefits to start your journey with us.
Why Ambetter is a Strategic Partner for Your Mental Health
Ambetter is designed to provide affordable, local coverage through the Health Insurance Marketplace. Because mental health is considered an "Essential Health Benefit" under the Affordable Care Act, your Ambetter plan is required to cover many of the services we offer at CARE Counseling.
Depending on your specific plan—Bronze, Silver, or Gold—using your Ambetter benefits at our Naperville office or via telehealth often includes:
Predictable Copays: Many members find their therapy sessions cost between $0 and $50 per visit after their deductible is met.
Telehealth Flexibility: Ambetter typically provides robust coverage for virtual therapy, allowing you to meet with our experts from your own home.
Evidence-Based Treatment: Coverage often includes specialized care for anxiety, depression, trauma, and life transitions.
Understanding Your Ambetter "Metal Level"
Your "metal level" determines how you and Ambetter share the costs of your therapy:
Plan Level Monthly Premium Out-of-Pocket Cost per Session Bronze Lowest Higher (Best if you want a safety net) Silver Moderate Moderate (Best for routine therapy) Gold Highest Lowest (Best if you utilize frequent care)
Frequently Asked Questions (FAQ)
Q: Does Ambetter cover therapy in Illinois? A: Yes. Ambetter of Illinois covers outpatient mental health services, including individual therapy, as an essential health benefit.
Q: Do I need a referral to see a therapist at CARE Counseling with Ambetter? A: Some Ambetter HMO plans may require a referral from your Primary Care Physician (PCP). We recommend calling the number on your card to confirm if your specific plan requires a "referral for behavioral health."
Q: Is telehealth covered by Ambetter? A: Most Ambetter plans provide robust coverage for telehealth (video sessions) at the same rate as in-person visits, ensuring you have access to care regardless of your location.
The CARE Counseling Difference
While we handle the insurance side of things, our clinicians focus on you. We lead with a strengths-based lens, using evidence-based tools like EMDR and Somatic practices to help you build resilience. Our goal is to provide a safe, equitable, and professional space where you can work through life’s complexities and find a path toward joy and fulfillment.
Take the Next Step
Insurance can be confusing, but you don't have to navigate it alone. Our administrative team is here to help you understand your coverage so that your focus remains on your healing.
Ready to see what's possible?
Visit carecounseling.healthcare to view our team of clinicians or to schedule your initial consultation.
Building a community to strengthen the community—one session at a time.
