Online therapy in Tennessee that takes BlueCross BlueShield
Mamaya Health provides online therapy across Tennessee and is in-network with BlueCross BlueShield of Tennessee. Our therapists specialize in women’s mental health — postpartum, pregnancy, perimenopause, anxiety — with statewide telehealth, new clients accepted, and first sessions typically within a week.
Prefer to ask a person — call us — a care navigator answers during business hours.
How billing works
- 1
You give us your plan details when you book
Your BCBS member ID and date of birth are enough to start. We confirm your mental-health benefits before the first session.
- 2
We bill BlueCross BlueShield directly
Because we're in-network, the claim goes to BCBS from us. You don't file anything or wait for a reimbursement.
- 3
You pay your plan's share at the visit
That's a copay, or coinsurance if your deductible hasn't been met yet. It's the same structure as any other in-network specialist visit.
- 4
Your explanation of benefits arrives from BCBS
It shows what was billed, what BCBS paid, and what counted toward your deductible. If anything looks off, send it to us and we'll sort it out with them.
What a copay usually looks like
Most BCBS of Tennessee plans treat an outpatient therapy visit like any other in-network specialist visit: a set copay each session, or coinsurance until your deductible is met. Some plans cover behavioral health with no deductible at all.
We won’t quote you a dollar figure here, because the number depends on your specific plan — two people with the same BCBS card can owe different amounts. The fastest way to know yours is to ask BCBS what you pay for outpatient mental health by telehealth, or to let us verify it for you before your first session.
If you’d rather not use insurance at all, self-pay and a sliding scale are always available.
Common questions
- Does BCBS of Tennessee cover online therapy?
- Yes. BlueCross BlueShield of Tennessee plans cover outpatient mental-health visits, including telehealth sessions with an in-network provider, and Mamaya Health is in-network. What you pay is set by your own plan — usually a copay per session, or coinsurance until your deductible is met.
- How do I check my coverage?
- Call the member-services number on the back of your BCBS card and ask what your plan pays for outpatient mental-health visits by telehealth. You can also give us your plan details when you book, and we'll confirm your benefits with BCBS before your first session so there are no surprises.
- Do you take Aetna, Cigna, or UnitedHealthcare?
- Yes — Aetna, Cigna and UnitedHealthcare are all in-network, along with Optum, UMR, Magellan, Meritain, Allied Benefit Systems, TRICARE and VA Community Care. If your plan isn't on that list, we offer self-pay and a sliding scale, and we'll give you a superbill to send your insurer.
Other plans we take in Tennessee
Aetna therapy coverage
Aetna is in-network for therapy across Tennessee, and Meritain Health plans are administered on the same network. Telehealth visits are covered the same way as in-person ones.
See Tennessee therapists who take Aetna →Cigna therapy coverage
Cigna is in-network for therapy across Tennessee, including plans administered through Allied Benefit Systems. Your copay or coinsurance is set by your plan.
See Tennessee therapists who take Cigna →UnitedHealthcare therapy coverage
UnitedHealthcare is in-network, as are its Optum and UMR plans. If your card says Optum Behavioral Health, that's the same network for these visits.
See Tennessee therapists who take UnitedHealthcare →The full list of plans we’re in-network with — including TRICARE, VA Community Care and Tennessee Medicaid — is on the homepage, and it stays current as contracts change.
Use your BCBS benefits with a specialist who gets it.
Tell us what you’re navigating. A care navigator reaches out within an hour during business hours, and first sessions are usually within five days.
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