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.
How do I find a therapist who takes my insurance?
Call Navi at 888-505-NAVI (6284). A free navigator reviews your plan — commercial insurance, Medicaid, or Medicare — verifies who accepts it and is taking new clients, then helps you book. Navi does not guarantee a specific in-network slot. Available in all 50 states.
Why directory search often fails
Insurance directories and public listings are often out of date. Many listed therapists are not accepting new patients or no longer take your plan. Navi confirms availability and coverage before you are matched.
Two things that decide who you can see
Your plan type — PPO, HMO, EPO, or POS — sets whether you need a referral and whether out-of-network care is covered. See the plan-types guide for a plain-language breakdown.
Your behavioral-health administrator matters too: Cigna therapy is often handled by Evernorth, UnitedHealthcare by Optum, and many Blue plans by Carelon. A therapist may list the administrator instead of the insurer. Navigators know these relationships and verify the right network before matching you.
What to have ready
Your insurance type (or that you are uninsured), who needs care, preferred format (virtual or in-person), and how soon you need an appointment. A navigator can still help if you are unsure about your plan.
Frequently asked questions
How quickly can I get an appointment?
Most people get scheduled within a week. We prioritize urgent cases and work hard to find the fastest available appointments based on your needs and preferences.
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
How do I find a therapist who takes my insurance?
Call Navi at 888-505-NAVI (6284). A free navigator reviews your plan — commercial insurance, Medicaid, or Medicare — verifies who accepts it and is taking new clients, then helps you book. Navi does not guarantee a specific in-network slot. Available in all 50 states.
Why directory search often fails
Insurance directories and public listings are often out of date. Many listed therapists are not accepting new patients or no longer take your plan. Navi confirms availability and coverage before you are matched.
Two things that decide who you can see
Your plan type — PPO, HMO, EPO, or POS — sets whether you need a referral and whether out-of-network care is covered. See the plan-types guide for a plain-language breakdown.
Your behavioral-health administrator matters too: Cigna therapy is often handled by Evernorth, UnitedHealthcare by Optum, and many Blue plans by Carelon. A therapist may list the administrator instead of the insurer. Navigators know these relationships and verify the right network before matching you.
What to have ready
Your insurance type (or that you are uninsured), who needs care, preferred format (virtual or in-person), and how soon you need an appointment. A navigator can still help if you are unsure about your plan.
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.
- How quickly can I get an appointment?
- Most people get scheduled within a week. We prioritize urgent cases and work hard to find the fastest available appointments based on your needs and preferences.
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.