Premera Blue Cross Therapists in Colorado (2023)

FAQs about how to find a therapist in Colorado

How do I find a therapist in Colorado?

Find a therapist near you in Colorado on Zencare. Narrow your search by using filters like insurance, therapy budget specialty, and provider identity. Mental health professionals on Zencare are vetted for their extensive experience treating individual adults, children and adolescents, as well as couples and families. Explore each potential therapist profile to learn more about their specialties, and watch an introductory video to get a sense of their personality. Book a free initial call to find the right therapist for you!

Does insurance cover therapy in Colorado?

Yes, most Colorado health insurance carriers provide mental health benefits that cover therapy. However, the exact amount of coverage will vary based on the plan details and whether the selected provider is in-network or out-of-network with your insurance. If the therapist is in-network with your insurance, you’ll pay only a copay at each session after meeting your annual deductible. If the therapist is out-of-network with your insurance, you may still be able to receive reimbursement after paying the fee at the time of therapy session. If you have a PPO or POS insurance plan, you can likely receive some reimbursement when you see a therapist out-of-network in Colorado. If you have an HMO, EPO, or Medicaid/Medicare plan, you likely cannot receive reimbursement, and would be responsible for the full out-of-network session fee. Note that services designed to treat topics which are not diagnosed mental health conditions, such as couples counseling and life coaching, are not typically covered by health insurance. The potential mental health provider must also be a licensed therapist in your state for the insurance company to cover services.

(Video) Taking Care of Your Mental Health

How do I find an affordable therapist in Colorado?

Many therapists offer a sliding scale, or a range of session fees based on financial need to clients who would not otherwise be able to afford typical therapy rates in Colorado. If you are struggling to pay for therapy, consider asking for a sliding scale, looking for an in-network therapist, or seeking services through a local agency, college counseling center, or hospital.

How can I make an appointment with a therapist in Colorado?

Start your search for an appointment with a therapist in Colorado on Zencare. Many mental health professionals located in Colorado require clients to have an introductory call before booking a full appointment online. In this free call, the prospective therapist will ask about your goals for treatment, and make sure that their skills, specialized training, and scope of private practice are a match for your mental health issues. At the same time, you should assess if you feel comfortable talking with the therapist, as studies show that the most important determinant of successful therapy is the relationship between therapist and client. After an initial call, you’ll typically be given the option to book an appointment with the therapist, or continue your search if it’s not a good fit. At the initial session, you’ll likely discuss the therapeutic process and determine goals for your personal growth. Common therapy goals include learning effective coping strategies to deal with negative feelings, increasing self-awareness, and gaining a deeper understanding and insight into relationship patterns.

(Video) Dr. Josephine Young-Behavioral Health at Premera

How can I find a therapist in Colorado who sees clients after hours?

Find a therapist who sees clients after hours on Zencare. Many therapists in Colorado offer appointments outside of traditional business hours. Simply filter by Office Hours under More Filters to choose the time of day that works best for you, whether that be early morning before work, in the evenings, or even over the weekend. After hours sessions are a good option for busy individuals, couples, and families dealing with hectic schedules and who need a flexible option for their mental health care.

How do I find a therapist in Colorado who offers in-person sessions?

Find a therapist who offers in-person sessions on Zencare. Many therapists in Colorado have resumed offering in-person sessions; you can filter by “In-Person” to find a provider who is accepting new clients for in-office sessions. You can also search by map to find providers in Colorado near you. While some clients prefer in-person sessions because they offer a safe, neutral ground for the session to take place, for the widest range of therapist options, consider expanding your search to also include providers licensed in your state who offer telehealth, or therapy sessions via remote video call.

(Video) Health Plan Basics: Deductibles and Coinsurance

How do I find a therapist in Colorado who offers online sessions?

Find a therapist who offers online sessions on Zencare. Most therapists in Colorado continue to offer appointments online; you can filter by “Online” to find a provider who is accepting new clients for teletherapy sessions. In order to see a therapist, they must be licensed to provide online sessions to clients living in your state. Online therapy is different from text therapy, or asynchronous therapy; online therapy offers the same consistent relationship with a local Colorado therapist that an in-person session would, with sessions taking place via phone or a video sessions through a secure teletherapy platform. Online therapy sessions are a convenient way to find a therapist near Colorado without leaving the comfort of your home or office.

Where can I get mental health therapy in Colorado?

Start your search for mental health therapy in Colorado on Zencare. Many therapists are quality-vetted for excellence in clinical care. When you’re struggling with your mental health, it might be time to seek professional support in the form of counseling services, couples therapy, or psychiatric medication management. There are a wide range of private practice therapists to choose from in Colorado; consider narrowing your search by criteria like insurance carrier, therapy budget, specialty, or provider identity to find a great fit!

(Video) Premera Blue Cross & Landmark Health

How can I start therapy in Colorado?

Start your search for a great therapist in Colorado on Zencare. First, consider any logistic limitations, like how far you are willing to travel outside of Colorado or if you are open to online sessions with a local provider. Also consider how much your therapy budget is, and when you are available for therapy. Then, make a list of priorities for your ideal therapist: do they match your identity, or have expertise in a specific area like anxiety or depression? There is no one reason to start therapy; many individuals in Colorado go see a therapist when they need help to move forward through a difficult time, cope with symptoms of a mental illness such as a mood disorder, navigate life transitions, process relationship difficulties or improve their behavioral health. Use your priorities to filter on Zencare by insurance, speciality, and availability. Look through a few provider profiles to find the therapist you might click with, watch their introductory videos, and book a free call to find a great personal fit!

What kinds of mental health providers are available in Colorado?

There are many different kinds of mental health providers available in Colorado, including psychologists, clinical social workers, and mental health counselors. As long as the provider is licensed in your state, the factor that matters most to therapy outcomes is the therapeutic alliance, or the relationship you build with your therapist. Common types of therapy provided in Colorado include cognitive therapies, like Cognitive Behavioral Therapy (CBT) and Dialectical Behavior Therapy (DBT), and insight-oriented therapies like psychodynamic therapy. Other providers offer a blend of techniques for a more interpersonal, holistic approach. Some mental health therapists in Colorado also offer specialized treatment services, like couples therapy, premarital counseling, and family therapy. While most Colorado providers are qualified to treat general challenges, like depression, anxiety disorders, trauma, relationship difficulties, and low self-esteem, for concerns such as substance abuse, personality disorders, and eating disorders, consider seeking expert care. Together with your therapist, you’ll build a treatment plan that addresses your reasons for seeking therapy and monitor progress toward your wellness goals and overall well being.

(Video) Tracy Bos, Premera Blue Cross

How does paying for therapy work in Colorado?

There are several options for paying for therapy in Colorado. For many people, the most affordable way to seek mental health services is to look for a provider who is in-network with your insurance. Due to high demand and low availability, in-network providers often have long waitlists; to widen your options and start therapy sooner, you might also consider looking for an out-of-network provider. When you see an out-of-network therapist in Colorado, you can ask for a sliding scale if you are unable to afford their typical session fees, or seek reimbursement from your insurance company if you have a PPO or POS plan. For clients who have an insurance plan with a high deductible and low medical costs, therapy costs are often comparable when you see a therapist in- or out-of-network. While paying for therapy can be a substantial investment, it’s also a great way to improve relationships, boost self-esteem, address symptoms of mental illness, and ultimately live a happier, more self-directed life.


Is Premera Blue Cross the same as Blue Cross Blue Shield? ›

Premera Blue Cross is an independent licensee of the Blue Cross Blue Shield Association serving businesses and residents of Alaska and Washington State, excluding Clark County.

Is Premera a good insurance? ›

Medicare rating: 3.5 to 4 stars

For 2022, Premera's Medicare Advantage plans have an overall average rating range of 3.4 to 4 stars from the Centers for Medicare & Medicaid Services.

Is Talkspace covered by Premera? ›

The Premera expanded behavioral health network now includes Talkspace. With Talkspace, you can easily connect to therapists and psychiatrists by video and text for about the same cost as an in-person visit. When you need Talkspace—regardless of the time of day or where you are—you can reach your dedicated therapist.

Who are Premera Blue Cross competitors? ›

Premera Blue Cross competitors include Aetna, Cambia Health Solutions, Group Health Cooperative and Jacada.

Can you use Premera out of state? ›

Premera Blue Cross is listed as a payer for Authorizations & Referrals in all states. You can also sign in to your service area's Blue plan website to find tools for out-of-area members.

Is Premera an HMO or PPO? ›

This HMO-specific network offers access to 13,000 providers, 15 hospitals, and 66 urgent care clinics. Premera HMO is an in-network only plan. But urgent and emergency care are always covered–even outside of the network or while you travel.

Is Premera a high deductible plan? ›

Premera's qualified, high-deductible health plans with a health savings account (HSA) offer your clients great basic coverage and a chance to save money and invest it for future IRS-approved medical expenses. Helping people choose an HSA-qualified health plan also allows your clients to reduce their taxable income.

How big is Premera Blue Cross? ›

As the largest health plan in the Pacific Northwest, Premera serves more than 2 million people—from individuals and families to employees of Fortune 100 companies.

Is Premera Blue Cross credit rating? ›

A.M. Best is a credit rating agency specializing in the insurance industry. In August 2019, A.M. Best upgraded its Financial Strength Rating to A (Excellent) from A- to Premera Blue Cross and its subsidiaries. An A rating indicates stability to meet ongoing obligations.

What states does Premera cover? ›

We've provided access to healthcare for people in Washington state since 1933, and in Alaska since 1952. Our goal has always been to provide quality and cost-effective healthcare plans for our members.

Do I need a referral to see a specialist Premera? ›

Do I need a referral to see a specialist? If you go to a Health Connect network specialist, no referral is needed. Most health care services are available in the Health Connect network. You may also see specialists in the Extended network but there may be higher costs.

What type of plan is Premera Blue Cross? ›

Premera offers Marketplace insurance health plans with different coverage options so you can pick the one that is best for you and your family. Open enrollment typically runs from November 1 through January 15. Outside of these dates, you can enroll if you've experienced a qualifying life event.

Are Regence and Premera the same? ›

Regence was founded in 1917 and would eventually take the name of Blue Shield. Since then, Premera Blue Cross Regence Blue Shield has provided comprehensive and quality plans for the residents in Washington State and the rest of the Pacific Northwest.

Who are prime healthcare competitors? ›

Prime Healthcare main competitors are MedStar Health, Sutter Health, and Stanford Health Care. Competitor Summary. See how Prime Healthcare compares to its main competitors: Sutter Health has the most employees (55,000).

Who are direct line group competitors? ›

Direct Line's competitors

The Zebra is a company offering an online car insurance comparison marketplace. Asuransi Astra is a company that provides retail, health, and commercial insurance. Intact Financial Corporation is the provider of property and casualty insurance.

Can I use my Washington health insurance out of state? ›

A: No. Because each state has its own Medicaid eligibility requirements, you can't just transfer coverage from one state to another, nor can you use your Medicaid coverage when you're temporarily visiting another state, unless you need emergency health care.

What is Premera Network discount? ›

Premera Network Discount - The amount you save by using a provider that belongs to a Premera network. Premera negotiates lower rates with its in-network providers to help save you money. This amount may not be itemized and may only show in the Totals row of the Claim Detail.

Why is my coinsurance so high? ›

If a service does not cost that much, then the coinsurance amount will be small. However, if the healthcare service was expensive, the coinsurance will be higher, too. What's key to remember is the out-of-pocket maximum on your plan.

Does Premera Blue Cross cover infertility? ›

Available for men and women, these tests are billed as medical tests and are subject to copay and deductible. Hormone tests and labs are covered if they're not coded for infertility. Fertility enhancement medications and treatments, such as in-vitro fertilization (IVF) are not covered on most plans.

What is the difference between PPO and HDHP? ›

With an HDHP, you will pay less money each month for premiums, but you will pay more out-of-pocket for medical expenses before your insurance begins to pay for care. A preferred provider organization plan comes with lower deductibles but higher premiums each month.

Is premera part of medicare? ›

Premera Blue Cross Medicare Advantage plans offer your patients Medicare benefits -plus extra benefits for prescriptions and fitness programs - all in one easy-to-use plan.

Is it good or bad to have a high-deductible health plan? ›

High-deductible health plans have lower monthly premiums, but this comes at the cost of greater out-of-pocket healthcare expenses. If your employees are primarily young and healthy and you can also offer HSAs, HDHPs could be a great fit. HDHPs can be problematic if your employees have children or chronic conditions.

What is one disadvantage to a high-deductible health plan? ›

The cons of high-deductible health plans

Since HDHPs generally only cover preventive care, an accident or emergency could result in very high out-of-pocket costs. For example, if you are diagnosed with a medical condition that requires expensive treatment, you'll be on the hook for the cost of that care.

What are the disadvantages of a high-deductible health plan? ›

HDHPs do have some downsides, including:
  • Some Individuals May Avoid Healthcare Treatment Due to High Costs. ...
  • It Is More Expensive to Manage a Chronic Illness With an HDHP. ...
  • Few Exceptions to the Deductible Rules. ...
  • Premium Costs and Deductible Levels Seem to Rise Every Year. ...
  • Contributions to Your HSA Are Capped.
Oct 25, 2022

How much does Premera Blue Cross pay executives? ›

The average Premera Blue Cross executive compensation is $229,028 a year. The median estimated compensation for executives at Premera Blue Cross including base salary and bonus is $213,495, or $102 per hour.

What is Premera Blue Cross timely filing limit? ›

Timely Claims Submission

Ideally, we'd like you to submit claims within 60 calendar days of the covered services, but no later than 365 calendar days. For most plans, we'll deny claims received more than 12 months after the date of service with no member responsibility.

What is the difference between Premera and LifeWise? ›

Premera HealthPlus was a nonprofit Washington corporation formed in 1981 and was licensed as a health maintenance organization in Washington and Idaho. LifeWise Health Plan of Washington (LifeWise) operates as a health care service contractor in Washington and principally sells individual subscription contracts.

Does health insurance look at your credit score? ›

Most insurance companies using credit information will include it as a factor in determining your rate. For example, someone with a relatively high credit score may pay a lower premium than someone with a relatively low credit score.

Does health insurance look at credit? ›

Are insurers completely free to access and use your credit history? A few states prohibit insurers from using consumer credit information – California, Massachusetts and Hawaii for auto insurance and Maryland and Hawaii for homeowners insurance.

Which health insurance companies have the best financial rating? ›

4 Best Health Insurance Companies of 2023
  • Best overall. Best overall insurance: Kaiser. Best overall insurance: Kaiser.
  • Good. Popular health insurance: BCBS. Popular health insurance: BCBS.
  • Good. Best for self-employed: UHC. Best for self-employed: UHC.
  • Cheap. Best for young adults: Aetna. Best for young adults: Aetna.
May 11, 2023

Does Premera use Express Scripts? ›

Express Scripts is the pharmacy benefit manager for much of Premera's membership (excludes Medicare advantage), providing online prescription and pharmacy services to Premera members.

How do I know my Premera plan? ›

You can check BlueCard patient eligibility and benefits by using the BlueCard resource page on or by calling 800-676-BLUE.

Does out of pocket maximum include deductible Premera? ›

Premium. The monthly payment you or your employer pay for your health coverage. This is what you pay to have medical coverage. The amount doesn't count toward your deductible or out-of-pocket maximum.

Which type of insurance does not need a referral to see a specialist? ›

With PPO plans, policyholders don't require specialist referrals, and they are not required to have a primary care doctor.

Why would I need a referral to a specialist? ›

Your health professional might refer you to someone else if: they believe you need expertise that the other person has. they believe you need treatment that the other person can give. they believe you need specialised tests or investigations.

What is the difference between insurance referral and provider referral? ›

A provider referral is an order written by your provider for you to see another doctor, therapist, or specialist. A provider order is NOT the same as an Insurance Referral. A provider referral is most commonly known as a “referral”, but only refers to the written recommendation of a medical professional.

Is premera only in Washington State? ›

Premera Blue Cross is an independent licensee of the Blue Cross Blue Shield Association serving businesses and residents of Alaska and Washington State, excluding Clark County.

What is Premera Peak Care? ›

Peak Care. YOUR PERSONALIZED HEALTH PLAN EXPERIENCE AWAITS. Through an exclusive partnership between Premera Blue Cross and MultiCare Health System, Peak Care connects your provider with your health plan, so you won't be caught in the middle.

Is there a Blue Cross Blue Shield of Washington State? ›

Premera Blue Cross | Washington State Health Care Authority.

What state is Premera Blue Cross for? ›

Premera Blue Cross is an independent licensee of the Blue Cross Blue Shield Association serving businesses and residents of Alaska and Washington State, excluding Clark County.

Who is prime healthcare owned by? ›

Prem Reddy began practicing medicine in the 1980s. It was there Dr. Reddy built Prime Healthcare's flagship facility, Desert Valley Hospital, to serve the community.

Who owns Prime Healthcare? ›

Prime Healthcare Services is a United States privately held healthcare company. It was established in 2001, by chairman and CEO Prem Reddy, MD, and operates 45 hospitals in 14 states. It is affiliated with the nonprofit Prime Healthcare Foundation. Ontario, California, U.S.

Who are Denver Health competitors? ›

Top Competitors of Denver Health
  • Harris Health System. 7,000. $1B. ...
  • Grady Health System. 5,000. $742M.
  • Hennepin County Medical Center. 7,300. $942.1M. ...
  • The MetroHealth System. 7,800. $1.6B. ...
  • University Medical Center. 4,000. $587.2M. ...
  • Ecmc. 3,881. $750.9M.

Who are direct line owned by? ›

The business was purchased by RBS Group in 2003, bringing it into RBS' insurance division, which is today known as Direct Line Group.

Who are the core group competitors? ›

The CORE Group Competitors & AlternativesAdd Company
Competitor NameRevenueNumber of Employees
#1 Black Sheep Foo...$8.4M29
#2 The Morning Sta...$102.9M229
#4 Caif - Natural ...$21.1M59
6 more rows

What type of insurance is Premera? ›

Premera offers Marketplace insurance health plans with different coverage options so you can pick the one that is best for you and your family. Open enrollment typically runs from November 1 through January 15. Outside of these dates, you can enroll if you've experienced a qualifying life event.

What is Premera? ›

Website. The company provides health insurance and related services to approximately 2 million people. Premera Blue Cross has operated in Washington since 1945, and in Alaska since 1957.

Is premera Medicare or Medicaid? ›

Premera Blue Cross Medicare Advantage plans offer your patients Medicare benefits -plus extra benefits for prescriptions and fitness programs - all in one easy-to-use plan. Medicare open enrollment occurs annually, October 15 through December 7.

What is the difference between Premera and Regence? ›

The History of Premera Blue Cross and Regence Blue Shield of Washington. Premera's service in Washington began back in 1945, and in 1969, it changed its name to Blue Cross of Washington and Alaska. Regence was founded in 1917 and would eventually take the name of Blue Shield.

Can I use Blue Cross Blue Shield Illinois out of state? ›

If you or a covered family member will be temporarily living outside Illinois for 90 days or more, you may be eligible for guest membership in a Blue Cross and Blue Shield-affiliated HMO. Your current BCBSIL member ID card contains helpful information for accessing health care at home or away.

Why did I get a check from Premera? ›

These rebates are thanks to the Medical Loss Ratio (MLR) provision in the Affordable Care Act. It requires health insurance carriers to refund members part of premiums received if they do not spend the required percentage on health care services, such as doctor and hospital bills.

How long do Premera claims take? ›

We process most of our claims within 30 days and we pay claims every Saturday and on the last day of the month. For more tips and screenshots, check out the Claims and Payment Online Tool Guide. View pages 7 - 9 for detailed examples of pended reasons and claim payment codes.

Does Premera Blue Cross have a Medicare Advantage plan? ›

With a Premera Blue Cross Medicare Advantage plan, members can: See any provider – they're not limited to those within their county. Travel with worldwide coverage for emergencies or urgent care. Find in-network providers online at

What is Washington State health insurance called? ›

Apple Health is the name for Medicaid in Washington. Apple Health is free or low-cost health insurance coverage for those who qualify. Covered services include primary care, emergency visits, maternity services, pediatric care, dental services, vision care, prescription medications and more.

What is Medicare called in Washington State? ›

Apple Health is the name given to the Medicaid program administered by the state of Washington. While Medicare and Medicaid cover similar things, Medicare is primarily designed for Americans age 65 and older, while Medicaid is mostly for those facing financial hardships or a disability regardless of age.


1. Health Plan Basics: Out-of-Pocket Maximum
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3. Panel Discussion with EvergreenHealth and Premera Blue Cross - New Day Northwest
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4. Medicare 101: Medicare Advantage - Premera
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5. 19-35475 Todd R. v. Premera Blue Cross Blue Shield
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