What insurances do you accept?
We work with all insurances—Medicaid, Medicare, commercial plans, and even out-of-pocket options. Our navigators will help you understand your coverage and find in-network providers.
Does my insurance cover therapy?
Often yes — many commercial plans, Medicaid, and Medicare can cover therapy — but benefits, copays, and networks vary. Call Navi at 888-505-NAVI (6284). A free navigator helps you understand your coverage and find a therapist who may accept it. Navi does not guarantee what a plan will pay.
What “covered” usually means
Coverage can mean your plan pays part or all of a session with an in-network clinician after any deductible or copay. Some plans also have out-of-network benefits. Session limits and prior authorization rules differ.
Navi cannot tell you your exact benefits from this page. Navigators ask about your insurance type and verify details when they match you. They do not guarantee that a plan will pay for a specific provider or number of visits.
If you are uninsured
You can still use Navi. Navigators look at self-pay and other options. The matching call remains $0.
Frequently asked questions
Is Navi really free?
Yes, 100% free! We're here to help you navigate the mental health system—no hidden costs, no catches. We make it easier for you to find care, and our partners pay us when we make a successful match.
Is my information confidential?
Absolutely. Your privacy is our top priority. We follow all HIPAA guidelines and never share your information without your consent.
Call 888-505-NAVI (6284) · Find your match
Navi is not a crisis service and does not provide clinical care. If you or someone else is in immediate danger, call 911 or go to the nearest emergency room. For a mental health crisis, call or text 988.
Navi — Navi is a free, human-led mental health care navigation service. Care navigators match people to a therapist or psychiatrist — including commercial insurance, Medicaid, Medicare, and uninsured or self-pay — in all 50 U.S. states. First appointments are typically within 7 days. Call 888-505-NAVI (6284). Navi is not a crisis line and does not provide clinical care.
Navi answers
Does my insurance cover therapy?
Often yes — many commercial plans, Medicaid, and Medicare can cover therapy — but benefits, copays, and networks vary. Call Navi at 888-505-NAVI (6284). A free navigator helps you understand your coverage and find a therapist who may accept it. Navi does not guarantee what a plan will pay.
What “covered” usually means
Coverage can mean your plan pays part or all of a session with an in-network clinician after any deductible or copay. Some plans also have out-of-network benefits. Session limits and prior authorization rules differ.
Navi cannot tell you your exact benefits from this page. Navigators ask about your insurance type and verify details when they match you. They do not guarantee that a plan will pay for a specific provider or number of visits.
If you are uninsured
You can still use Navi. Navigators look at self-pay and other options. The matching call remains $0.
Frequently asked questions
- What insurances do you accept?
- We work with all insurances—Medicaid, Medicare, commercial plans, and even out-of-pocket options. Our navigators will help you understand your coverage and find in-network providers.
- Is Navi really free?
- Yes, 100% free! We're here to help you navigate the mental health system—no hidden costs, no catches. We make it easier for you to find care, and our partners pay us when we make a successful match.
- Is my information confidential?
- Absolutely. Your privacy is our top priority. We follow all HIPAA guidelines and never share your information without your consent.
Ready to get matched?
Call 888-505-NAVI (6284). Navigation is free. For emergencies call 911; for a crisis call or text 988.
Navi is not a crisis service and does not provide clinical care. If you or someone else is in immediate danger, call 911 or go to the nearest emergency room. For a mental health crisis, call or text 988.