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Does Aetna Cover Cognitive Behavioral Therapy (CBT)?

Does Aetna Cover Cognitive Behavioral Therapy (CBT)?

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Does Aetna Cover Cognitive Behavioral Therapy?

Yes, Aetna health insurance may be able to cover your evidence based Cognitive Behavioral Therapy (CBT) in Tennessee, depending on the specifics of your insurance plan.

If the services are in-network, your out-of-pocket cost will be lower than those out of network. However, keep in mind that you may also need pre-authorization (a referral) before expecting Aetna Cognitive Behavioral Therapy coverage, depending on whether or not you have HMO or PPO.1

How to Verify Aetna CBT Coverage

Athena Care is in-network with Aetna and most major insurance plans. Your summary of benefits usually indicates coverage requirements for CBT, a type of outpatient service. Filling out our free, no-obligation online insurance verification form is the best and quickest method to check with your insurance and determine if your Aetna Cognitive Behavioral Therapy is covered.

Our highly experienced, expert care coordinators can handle the difficulties of contacting your insurance carrier for more information about your Aetna CBT benefits. A care coordinator will check your insurance and thoroughly review your options after you submit the form. Any information provided and discussed is confidential.

What is Cognitive Behavioral Therapy (CBT)?

Cognitive Behavioral Therapy (CBT) is one of the most popular forms of evidence based psychotherapy treatments that includes a structured relationship with a mental health specialist. CBT helps you become aware of false or harmful beliefs throughout numerous sessions so that you may comprehend and react to challenging situations clearly and productively.2

How Does CBT Work?

One-on-one or group CBT sessions with family members or others going through a similar scenario are options.

The following are typically part of CBT:

  • Identify challenging conditions or situations in your life.
  • Be aware of your thoughts, feelings, and beliefs in relation to these concerns.
  • Recognize when you’re thinking improperly or negatively.
  • Reframe any unfavorable or incorrect thoughts.

CBT might not be able to reverse a negative situation or completely cure your condition. It could, however, improve your quality of life and self-confidence. It also might provide you with the tools and coping mechanisms required to treat your disorder healthily.

What Does Cognitive Behavioral Therapy Treat?

CBT can help treat the following mental illnesses in addition to managing emotional concerns:

  • Depression
  • Anxiety
  • Phobias
  • Post-traumatic stress disorder (PTSD)
  • Sleep disorders
  • Eating disorders
  • Obsessive-compulsive disorder (OCD)
  • Substance use disorders
  • Bipolar disorders
  • Schizophrenia
  • Sexual disorders

How To Find Aetna CBT Clinics Near Me?

With Athena Care’s multiple CBT clinics in Tennessee, access to valuable mental health testing services is just a phone call away. A care coordinator can assist you with questions or concerns about your CBT Aetna coverage Monday through Friday from 7:00 a.m. to 6:00 p.m.

Finding the ideal CBT psychologist or Aetna therapist requires a lot of patience, perseverance, and intuition. Although all therapists provide mental health services, their backgrounds, areas of specialization, worldviews, and personalities vary. Knowing what to look for and where to look is the first step in identifying quality CBT psychologists.

Here, you’ll find a list of health care professionals by city and details about their educational backgrounds and areas of specialty.

A professional and well-trained CBT therapist will have the following:

  • a degree in counseling, psychology, or a similar subject at the bachelor’s, master’s, or postgraduate levels
  • a Tennessee state-issued therapy license and 2,000–4,000 hours of clinical work experience
  • certified CBT training and specialized CBT instruction
  • active listening abilities
  • a non-judgmental counseling method

Ask questions when you find a potential CBT therapist or treatment program. Here are a few questions that we suggest:

  • How much time have you spent working with clients going through the same thing I am?
  • What is your area of expertise or specialty?
  • Which CBT techniques or skills have you found to be the most successful at resolving my problem?
  • Do you accept Cognitive Behavioral Therapy Aetna coverage?
    • Ask about a sliding scale payment plan if your therapist does not accept Aetna Cognitive Behavioral Therapy coverage.
  • Are you certified as a psychologist in this jurisdiction?
  • How many years of experience do you have with CBT?

Athena Care offers a full-spectrum of mental and behavioral health services to those in Tennessee.

We have qualified therapists and accept many of the big name insurance providers. Our locations are open Monday-Friday from 7am to 6pm. Learn more below:

How Much Does Cognitive Behavioral Therapy Cost Without Insurance?

The following are average costs for CBT without insurance. These costs may vary by location and other factors. Therefore, they may not reflect the price you’ll pay for Cognitive Behavioral Therapy in Tennessee Aetna does not cover.

Sessions for Cognitive Behavioral Therapy typically last 45 minutes or more and cost between $100 and $200 each.3 You should remember that CBT is commonly thought of as a short-term therapy, with five to twenty sessions considered sufficient.


  1. “Mental Health Benefits for Members.” Aetna, Aetna Inc., www.aetna.com/individuals-families/health-insurance-through-work/health-insurance-information/behavioral-health.html. Accessed 3 Aug. 2022.
  2. “Cognitive Behavioral Therapy.” Mayo Foundation for Medical Education and Research (MFMER), 2022, https://www.mayoclinic.org/tests-procedures/cognitive-behavioral-therapy/about/pac-20384610
  3. Lauretta, Ashley. “How Much Does Therapy Cost?” edited by Alena Hall, Forbes Health, 2021, https://www.forbes.com/health/mind/how-much-does-therapy-cost/

If you suspect that you or someone you love suffers from mental health disorders, contact Athena Care today.

One of our friendly associates will help you get the help you need. Take this first step to feel better and take control. 

(615) 320-1155