Your Partners in Building a Healthier World
Michigan Counseling Group accepts most major insurance plans for
individual therapy, couples therapy and psychiatry services in Warren, MI.
We are in-network with Aetna, Blue Cross Blue Shield of Michigan,
Cigna, HAP (commercial plans), McLaren Health Plan, Medicare Part B,
Medicare Advantage (most plans), Medicaid / Healthy Michigan Plan,
Priority Health, and United Healthcare.
We do not currently accept Molina Healthcare or HAP CareSource.
Not sure if your plan is accepted? Call (586) 510-4992 and our staff
will verify your benefits at no charge before your first appointment.
- We Accept Most Major Insurances- Including many MiHealthy Plans
Insurances We Accept
Insurance Accepted at Michigan Counseling Group
How to Use Your Insurance for Therapy & Psychiatry
Using your health insurance for mental health services is easier than most people think. Michigan Counseling Group handles most of the heavy lifting — our front office staff verifies your benefits, confirms your coverage, and walks you through what to expect before your first appointment. Here is a simple step-by-step guide to using your insurance at MCG.
Step 1 — Check That We Accept Your Insurance
Review the list of accepted plans on this page. Michigan Counseling Group is in-network with Aetna, Blue Cross Blue Shield, Cigna, HAP (commercial), McLaren, Medicare, Medicaid, Priority Health, and United Healthcare.
If you do not see your plan listed or you are unsure, call us at (586) 510-4992 — our staff will check within minutes.
Step 2 — Call Our Office to Schedule
Call (586) 510-4992 or submit an appointment request online. When you contact us, have your insurance card ready. Our scheduling staff will collect your member ID and group number to verify your benefits on your behalf — at no charge.
Once we have your insurance information, our team contacts your insurance company directly to confirm:
- That Michigan Counseling Group is in-network for your specific plan
- Your deductible amount and how much has been met so far
- Your copay or coinsurance per therapy or psychiatry session
- Whether a referral or prior authorization is required
- How many sessions are covered per calendar year
- Whether telehealth is covered under your plan
We will call you back with your benefit details before scheduling your first appointment so there are no surprises.
Step 4 — Complete Your Intake Paperwork
Once your benefits are verified and your appointment is scheduled, we will email you intake paperwork to complete before your first visit. This includes basic demographic information, your insurance details, and a brief mental health history form.
Completing your intake paperwork in advance saves time at your first appointment and helps your therapist prepare a personalized treatment plan for you.
Step 5 — Attend Your First Appointment
Bring the following to your first appointment:
- Your insurance card (front and back)
- A valid photo ID (driver’s license or state ID)
- Your completed intake paperwork (if not submitted electronically)
- Your copay payment (cash, card, HSA/FSA accepted)
Your first session is typically an intake or assessment appointment where your therapist gets to know you, your history, and your goals. From there, you and your therapist will develop a treatment plan together.
Step 6 — Pay Your Copay at Each Visit
Your insurance plan determines your copay or coinsurance amount per session. This is paid at the time of each appointment. Michigan Counseling Group accepts:
- Credit and debit cards (Visa, Mastercard, Discover, Amex)
- HSA (Health Savings Account) cards
- FSA (Flexible Spending Account) cards
- Cash
Step 7 — Receive an Explanation of Benefits (EOB)
After each appointment, your insurance company will mail or email you an Explanation of Benefits (EOB). This document shows:
- What service was billed
- What your insurance paid
- What your responsibility (copay/coinsurance) was
- Any amount applied toward your deductible
An EOB is not a bill — it is simply a summary of how your insurance processed the claim. If you receive an actual bill from MCG that does not match what you expected based on your EOB, contact our billing office immediately at (586) 510-4992.
UNDERSTANDING YOUR INSURANCE TERMS
Key Terms to Know Before Your First Appointment
Deductible The amount you must pay out-of-pocket each year before your insurance starts sharing the cost of services. For example, if your deductible is $1,000 and you have not had any medical expenses yet this year, you will pay the full session cost until you reach $1,000 — after that your copay or coinsurance kicks in.
Many people do not realize that mental health benefits sometimes have a separate deductible from medical benefits. Always ask your insurance specifically about your mental health deductible.
Copay A fixed dollar amount you pay per visit, regardless of the total cost of the session. For example, a $30 copay means you pay $30 per therapy session and your insurance pays the rest. Copays typically apply after your deductible is met.
Coinsurance A percentage of the session cost you pay after your deductible is met. For example, if your coinsurance is 20% and a therapy session costs $150, you pay $30 and your insurance pays $120.
In-Network A provider who has a contract with your insurance company to provide services at a pre-negotiated rate. Seeing an in-network provider like Michigan Counseling Group means lower out-of-pocket costs for you.
Out-of-Network A provider who does not have a contract with your insurance company. Seeing an out-of-network provider may result in higher costs or no coverage at all, depending on your plan.
Prior Authorization Some insurance plans require you to get approval before starting certain mental health services. Our staff handles prior authorization requests on your behalf when required.
Out-of-Pocket Maximum The most you will pay in a calendar year for covered services. Once you reach your out-of-pocket maximum, your insurance pays 100% of covered services for the rest of the year. Mental health services count toward your out-of-pocket maximum.
Superbill An itemized receipt from your provider that includes diagnosis codes and procedure codes. If you have out-of-network benefits or an HSA/FSA, you can submit a superbill to your insurance company for potential reimbursement. Michigan Counseling Group can provide superbills upon request.
Mental Health Parity
Your Insurance Must Cover Mental Health the Same as Physical Health
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), most insurance plans are required by federal law to cover mental health and substance use disorder services at the same level as physical health services. This means:
- Your copay for therapy cannot be higher than your copay for a primary care visit
- Limits on the number of mental health sessions must be comparable to limits on medical visits
- Prior authorization requirements cannot be more restrictive for mental health than for medical care
If you believe your insurance company is not complying with mental health parity laws, you have the right to file a complaint with the Michigan Department of Insurance and Financial Services (DIFS) at michigan.gov/difs.
Tricare
Do You Have TRICARE Military Insurance?
Michigan Counseling Group accepts TRICARE for eligible active duty service members, veterans, and their families. TRICARE covers outpatient mental health services including individual therapy and psychiatric medication management.
Contact our office at (586) 510-4992 to verify your TRICARE benefits and confirm eligibility before scheduling.
