insurance & coverage
Most people are covered.
We verify before
anything else.
The Affordable Care Act requires most health insurance plans to cover behavioral health services. Empathix verifies your specific benefits at no cost, so there are no surprises.
how it works
Verification in three steps.
Share your information
You tell us your insurance provider and member ID. That's all we need to get started.
We contact your insurer
Our team contacts your insurance carrier directly to confirm your behavioral health benefits and any cost-sharing.
We share the results
We explain your coverage clearly before suggesting any next step. You make an informed decision.
coverage we work with
Plans we commonly verify.
Medi-Cal
California's Medicaid program covers a broad range of behavioral health and substance use disorder services.
See Medi-Cal coverage →Covered California
Plans purchased through Covered California are required to cover behavioral health services at the same level as other medical care.
See Covered California coverage →Aetna, Cigna, UnitedHealthcare
Most major commercial insurers cover a broad range of behavioral health services under those benefits.
See Aetna, Cigna, UnitedHealthcare coverage →Anthem Blue Cross / Blue Shield
Both carriers offer behavioral health coverage in California, often including higher-support and structured care options.
See Anthem Blue Cross / Blue Shield coverage →Kaiser Permanente
Kaiser covers a range of behavioral health services, including counseling and structured support options.
See Kaiser Permanente coverage →Don't see your plan? Reach out. We work with most major carriers.
common questions
Frequently asked
Does my insurance cover support services?
The Affordable Care Act requires most insurance plans to cover behavioral health services. The specific services and facilities covered vary by plan, which is why we verify your benefits before making any recommendation.
How does Empathix verify my insurance?
When you reach out to us, a specialist will gather your insurance information and confirm your benefits directly with your provider. This process typically takes a few hours and costs you nothing.
What if my claim is denied?
Our team is experienced in navigating coverage denials and can help you understand your appeal options. In some cases, we can also identify alternative programs that align with your coverage.
What if I don't have insurance?
There are options. California's Medi-Cal program is available to many residents regardless of employment status, and there are county-funded programs as well as sliding-scale facilities. We can help identify the right path.
Will the facility be in-network?
We prioritize in-network options to minimize out-of-pocket costs. When the best fit is out-of-network, we help you understand what that means financially before any decisions are made.
check your coverage
Let us verify your benefits.
It takes minutes, costs nothing, and means you'll know exactly where you stand before any decisions are made.