Therapists accepting Horizon Blue Cross Blue Shield in New Jersey

Seeing a Therapist Who Accepts Horizon Blue Cross Blue Shield

Horizon Blue Cross Blue Shield therapists, psychologists, and counselors are available for in-person appointments and video therapy sessions. 

Therapy with an in-network Horizon Blue Cross Blue Shield counselor may cost you nothing or no more than your copay, which typically ranges from $0 to $50. Some Horizon Blue Cross Blue Shield plans may require you to pay coinsurance instead of a copay, which means you’ll cover a certain percentage of the therapist’s fees out-of-pocket. 

You may have to pay the therapist’s full rate if you haven’t met your annual deductible with Horizon Blue Cross Blue Shield, even if the therapist is an in-network provider with Horizon Blue Cross Blue Shield.

Depending on your Horizon Blue Cross Blue Shield insurance plan, there may be restrictions on the types of therapy services covered (e.g. couples counseling, grief counseling, psychological testing). Additionally, some plans may require you to get a referral from your primary care physician.

To check the specific costs and coverage details associated with your Horizon Blue Cross Blue Shield health insurance plan, give them a call at (800) 355-2583 or visit the Horizon Blue Cross Blue Shield website to review your behavioral health benefits online. 

Finding Psychologists, Therapists, and Counselors in New Jersey

Finding a therapist in New Jersey may be easier in the cities of Newark and Jersey City. Online therapy is also a great option to avoid travel or if a therapist with a certain speciality is not located near you. 

Out of pocket costs for therapy in New Jersey will be similar yet slightly lower than New York and will run between $100 - $150+ per session. For couples counseling and family therapy, costs might start at $125 - $175+ per session. First appointments with a therapist tend to be a little longer and may cost a little more. Also, it’s important to note that specialized services can cost more.

There are currently 22,080 counselors working in New Jersey with licenses, including Licensed Clinical Social Workers (LCSW), Licensed Marriage and Family Therapist (LMFT), Licensed Professional Counselor (LPC), and Psychologists (Ph.D. and Psy.D.). 

If you think you might qualify for free or reduced-cost services from the state, take a look at the NJ211 website and/or see if you qualify for Medicaid.

Licensed clinicians (and even interns) are held to strict practice guidelines to protect clients. If you’d like to learn more about identifying and reporting misconduct, learn more here.