Most major Utah health plans include some coverage for mental health care, though the details vary from plan to plan. Understanding a few basics, like what in-network means, how copays and deductibles work, and how to check your benefits, can save you stress and unexpected bills. Here is a plain-language guide, plus how it works at Roots Counseling.
Does insurance cover therapy in Utah?
Many plans do. Because of mental health parity rules, most plans that cover medical care also cover mental health care, often at a level similar to a regular doctor visit. What you actually pay depends on your specific plan, your deductible, and whether your therapist is in-network.
What does in-network mean?
An in-network provider has an agreement with your insurance company, which usually means a lower out-of-pocket cost for you. Out-of-network care may still be partly covered, but it often costs more. Roots is in-network with many major Utah plans, and you can see the plans we accept on our insurance page. We can confirm whether your insurance is accepted, and it is your responsibility to verify your coverage and benefits with your plan.
What if I would rather not use insurance?
Some people choose to pay out of pocket, often for privacy or simplicity. Self-pay is available at Roots, for both individual counseling and telehealth sessions. If cost is a concern, reach out and we can talk through your options.
Questions worth asking your insurance
- Is this provider in-network with my plan?
- What is my copay or coinsurance for therapy?
- Do I have a deductible to meet first?
- Do I need a referral or prior authorization? (Some Medicaid plans, in particular, require a referral.)
How it works at Roots
When you reach out, we can tell you whether we accept your plan and help you understand the next steps. We can confirm whether your insurance is accepted and explain self-pay options if you prefer. Checking early means fewer surprises later. If you are ready to get started, reach out through our contact page and we will help you sort out the details.
This article is for general informational purposes and is not a substitute for clinical or financial advice. If you are in crisis or experiencing thoughts of harming yourself or someone else, please call or text 988 to reach the Suicide and Crisis Lifeline, or go to your nearest emergency room.