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Insurance & FAQs

Cost should never be the barrier.

Before your first appointment, our team verifies your benefits, explains your coverage in plain language, and gives you an estimate. No surprises.

Our commitment

Insurance, made simple.

01
Benefits verification

We contact your insurance company directly to confirm your coverage before your first session.

02
Upfront cost estimate

You receive a clear estimate before starting, so you always know what to expect.

03
Plain-language walkthrough

Copay, deductible, out-of-pocket costs — explained step by step, in words that make sense.

Accepted plans
AetnaAnthemBlue Cross Blue ShieldCignaConnectiCareOptumUnitedHealthcare

This list reflects current CMHS participation; individual clinician participation may vary. For the highest level of benefits, you can also verify with the number on the back of your card. Private insurance only — we’re not able to accept Medicaid or HUSKY plans at this time. Don't see your plan? Call (203) 651-5117 — we're happy to check.

Common questions

The questions everyone asks at 11pm.

If yours isn't here, call, text, or email — a real person answers, seven days a week.

Do you take my insurance?+

We're in-network with Aetna, Anthem, Cigna, ConnectiCare, Optum, and UnitedHealthcare. Give us your insurance information on the intake form and we verify your benefits before your first visit.

How fast can I be seen?+

Often within a week. After you submit the two-minute form, you self-schedule a get-started call with a real person who checks your insurance, answers questions, and matches you with a clinician.

Do I need a diagnosis first?+

No. No referral and no prior diagnosis needed — tell us what's going on in plain language and we'll take it from there. For insurance coverage, your clinician documents a diagnosis and treatment plan as part of your care.

What will it actually cost me?+

It depends on your plan — a copay per session, or full session fees until a deductible is met. That's exactly why we verify benefits first and give you an estimate before you start, so there are no surprises.

What if I don't have insurance?+

You still have options: low self-pay rates, guidance on using HSA/FSA funds, and help identifying the most affordable path for your situation. Contact us and we'll work it out together.

Why are there two intake appointments?+

If you see both a therapist and a medication provider, insurance requires each to do their own intake. It's still one form to start, one team, and one plan — you never repeat your story from scratch.

Do you see kids and teens?+

Yes — children, teens, and adults. Our team includes therapists who specialize in kids and teens and Dr. Hilary Klein, board-certified in child & adolescent psychiatry.

Can I do sessions from home?+

Yes. Sessions are in person at either Milford office or by telehealth anywhere in Connecticut — and you can mix the two as life requires.

Get started

Don't let insurance questions hold you back.

Reach out and we'll verify your coverage, answer your questions, and get you started.

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