Empire Blue Cross Blue Shield Therapists

Here’s everything you need to know about finding an Empire Blue Cross Blue Shield therapist in NYC and what your health insurance plan covers!

 
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Find Empire Blue Cross Blue Shield therapists

How to find Empire Blue Cross Blue Shield therapists

If you are in New York City, find an Empire BCBS provider on Zencare. Select “Blue Cross Blue Shield” as your insurance company under "Payment Options" to view therapists who are in-network.

Alternatively, you can also visit this page:

Also note that it can be very difficult to find therapists who take insurances and are accepting new clients, particularly in large cities like New York City.

If you are outside of New York City, you can use Empire Blue Cross Blue Shield’s search function to find a therapist in your area who takes your insurance. However, be sure to verify with each therapist that they do in fact take your insurance, as these lists are often out of date. 

Seeing a therapist who doesn’t take Empire Blue Cross Blue Shield

If you have an Empire BCBS insurance plan and you don’t use an Empire BCBS therapist, you’ll be responsible for navigating out-of-network benefits.

Out-of-network benefits will vary depending on your plan. The best way to fully understand your out-of-network coverage is to call Empire BCBS directly. The number for member services is typically on the back of your insurance card, or you can find it on the Empire BCBS website.

Question to ask to to learn about out-of-network benefits:

  • What is my annual deductible?

  • Do I have an additional out-of-network deductible?

  • What is my coinsurance for outpatient mental health?

  • Do I need a referral from a primary care physician or an in-network therapist to see an out-of-network therapist?

  • How do I submit out-of-network claims for reimbursement? 

Empire Blue Cross Blue Shield: Behavioral Health  

Does Empire Blue Cross Blue Shield cover therapy?

Yes, Empire BCBS does cover therapy in many cases. Not all plans offer the same kinds of coverage for mental health and behavioral health, so be sure to check your plan documents to find out exactly which conditions and kinds of therapy your specific plan covers. 

Couples therapy using Empire Blue Cross Blue Shield

Some Empire Blue Cross Blue Shield plans cover couples therapy.

However, coverage for couples therapy is generally less common than coverage for individual therapy. 

To find out whether your plan covers couples therapy, you can check your plan documents, or get in touch with Empire Blue Cross Blue Shield member services for more information. 

Online therapy using Empire Blue Cross Blue Shield

Yes, Empire BCBS does offer an online therapy option for all New York members. This program is called LiveHealth Online Psychology. Through this program, you can have therapy sessions remotely and can have an appointment within a few days of your request. Online sessions usually cost about the same amount as in-person sessions.

Child therapy using Empire Blue Cross Blue Shield

If your child needs therapy and you have an Empire BCBS plan, you may be able to use your insurance for your child’s treatment. Your course of action will depend on your child’s individual needs, as well as the details of your plan.

Visit the Empire BCBS Individuals and Families page to learn more about individual and family coverage. You can also consult your plan documents to learn about the kind of coverage that your exact plan covers.

Empire Blue Cross Blue Shield reimbursement for therapy

Empire BCBS reimbursement rates and requirements vary across different plans. The cost to you will depend on your deductible, as well as the details of your specific Empire BCBS plan. 

Most plans have different rates for in-network Empire BCBS providers, as opposed to those who are out-of-network. For more details, check your plan documents.

Cost of therapy under an Empire Blue Cross Blue Shield plan

The cost of therapy using Empire BCBS insurance can vary. What you pay will depend on both your plan and your therapist’s fee. 

Check your plan documents for information about treatment coverage, as you may not be able to receive coverage under your plan without getting approval from Empire BCBS before your session.

Copay for therapy with Empire Blue Cross Blue Shield

Many Empire BCBS plan have a copay for treatment, which is a preset amount you pay for covered health services at the time you receive care.

The amount of your copay depends on the details of your specific plan.

Although there are no copays when you use a doctor or facility that is out-of-network, in those cases you’re responsible for paying a percentage of the total bill. This portion is called the coinsurance. This is usually much higher than your in-network copay amount.

For details about your specific coverage, it’s best to contact Empire BCBS and ask for more information. You can contact the company by logging into your member account on their website, or you can call the number on the back of your insurance card. 

Deductible for therapy with Empire Blue Cross Blue Shield

A deductible is the amount that you pay per year before your insurance company begins covering your treatment costs. The exact amount of your deductible will vary depending on your plan. For details about your specific coverage, it may be easiest to contact Empire BCBS directly. You can contact the company by logging into your member account on their website [3], or you can call the number on the back of your insurance card.

Empire Blue Cross Blue Shield Claims and Reimbursements

How long do you have to submit a health insurance claim with Empire Blue Cross Blue Shield?

The amount of time you have to submit a claim to Empire BCBS may vary with your plan. To make sure that you’re submitting your claims on time, check your plan documents or contact the company for details on your specific plan. The number for member services is typically on the back of your insurance card, or you can find it on the Empire BCBS website.

How to complete Empire Blue Cross Blue Shield claims for therapy

You may be able to complete claims online or through the mail, depending on the details of your plan. Contact Empire BCBS for full details, either through their website or by calling the number on the back of your insurance card.

You can also check the status of any submitted claims by logging into your account through the Empire BCBS member portal

If you call to check on the status of a specific claim, be sure that you have all the info about the claim on hand, including your account number, the dates of any appointments, and the name of your therapist.

Empire Blue Cross Blue Shield claims address

You can mail completed claims forms to: 

Empire Blue Cross Blue Shield
P.O. Box 1407
Church Street Station
New York, NY 10008-1407 

How to get therapy if I don’t have insurance

If you want to find a therapist but you don’t have insurance, you can see a therapist who is out-of-network. Visit Zencare to look for therapists who have sliding scale fee options, or who offer sessions within your price range.

Phone number for Empire Blue Cross Blue Shield

All members can get in touch with member services by calling the number on the back of your insurance card.

Members of certain plans can also connect to resources anytime by calling the company’s 24-hour nurse line. This is a free resource and the staff on the line can offer you medical advice, advise you about when to visit the doctor or hospital, and connect you to local resources in your area.

You can find more information about the 24-hour nurse line through the BCBS website. Also, you can find out if your plan includes this resource by calling member services at the number on the back of your insurance card.

For Blue Cross Blue Shield Providers

How to become a paneled therapist for Empire Blue Cross Blue Shield

To find instructions on becoming a mental health provider for Empire Blue Cross Blue Shield, refer to the resources on the company’s website.

Provider login for Empire Blue Cross Blue Shield

Providers can log in to the Empire BCBS Availy portal.

Find Empire Blue Cross Blue Shield therapists in NYC