EMDR Therapy Covered by Your Insurance in Massachusetts

In-network with Blue Cross Blue Shield of Massachusetts, Aetna, Cigna / Evernorth, MassHealth (Medicaid), UnitedHealthcare (including Medicare Advantage, OneCare, SCO, Community Plan, and ConnectorCare), Harvard Pilgrim Health Care, and Mass General Brigham Health Plan. In Massachusetts, we bill your insurance directly — you only pay your copay. Florida clients: now in-network with Aetna, plus self-pay with superbills for other plans — see Florida options below.

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MassHealth (Medicaid) accepted — most members pay $0 for outpatient therapy See MassHealth coverage →
Sherly Millan, LICSW — EMDR Therapist

Sherly Millan, LICSW

Licensed Clinical Social Worker and certified EMDR therapist. In-network with most major Massachusetts insurance plans to make trauma therapy accessible.

Insurance Plans We Accept

Seven in-network panels covering the vast majority of Massachusetts residents — including commercial, Medicare Advantage, MassHealth, Harvard Pilgrim, and dual-eligible (OneCare/SCO) plans — for telehealth EMDR therapy across Massachusetts.

Last updated: July 10, 2026

Massachusetts

Blue Cross Blue Shield of Massachusetts

Accepting Clients

Now in-network — we accept Blue Cross Blue Shield of Massachusetts.

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Aetna

Accepting Clients

Now in-network — we accept Aetna.

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Cigna / Evernorth

Accepting Clients

Now in-network — we accept Cigna and Evernorth (Cigna's behavioral-health administrator).

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MassHealth (Medicaid)

Accepting Clients

Now in-network — we accept MassHealth (Medicaid).

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UnitedHealthcare

Accepting Clients

Now in-network — we accept UnitedHealthcare commercial, Medicare Advantage, Community Plan (Medicaid), OneCare, Senior Care Options, and ConnectorCare plans through Optum Behavioral Health.

Plans included:

  • UnitedHealthcare Commercial
  • UnitedHealthcare Medicare Advantage
  • UnitedHealthcare Community Plan (Medicaid)
  • OneCare (dual-eligible)
  • Senior Care Options (SCO)
  • ConnectorCare / Massachusetts Exchange
  • Optum-administered EAPs
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Mass General Brigham Health Plan

Accepting Clients

Now in-network — MGB Health Plan (including the MGB employee plan) is administered through Optum Behavioral Health.

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Harvard Pilgrim Health Care

Accepting Clients

Now in-network — we accept Harvard Pilgrim Health Care members (administered through Point32Health).

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Tufts Health Plan

Credentialing In Progress

On hold — Tufts commercial (Tufts Associated HMO) is closed to new providers right now. Tufts Health Public Plans (Medicaid/Tufts Together) effective date pending. Join the list below and we'll email you when it activates.

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Also: Medicare (Original / Part B) — Direct CMS Medicare enrollment is a separate process (UHC Medicare Advantage is already in-network above).

Florida — Now In-Network with Aetna

In Florida, EMDR Unlocked is now in-network with Aetna — Aetna members pay only their plan copay, billed directly. For other plans, sessions are self-pay at $165 with superbills for out-of-network reimbursement (many PPO plans reimburse 50–80%) and HSA/FSA accepted. We're actively credentialing with the other insurers below — tap Notify Me on yours and we'll email you the moment it goes live.

Aetna (Florida)

Accepting Clients

Now in-network — we accept Aetna in Florida. Aetna members pay only their plan copay, billed directly just like our Massachusetts clients.

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UnitedHealthcare / Optum (Florida)

Credentialing In Progress

We're in-network with UnitedHealthcare / Optum in Massachusetts and working to extend coverage to Florida members.

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Cigna / Evernorth

Credentialing In Progress

Credentialing in progress for Florida — not yet in-network. Join the list and we'll email you when it's live.

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Tricare East (Humana Military)

Credentialing In Progress

Credentialing in progress for Florida's military & veteran community.

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Don't see your plan? We can still help — out-of-network options and a notify-me list are below.

How Insurance Works With Us

1

Book Your Free Consultation

Schedule a free 15-minute call. We'll discuss your needs and verify your insurance benefits.

2

We Verify Your Coverage

We check your plan's mental health benefits, copay, deductible status, and session limits — so there are no surprises.

3

Start Your Sessions

Attend virtual EMDR sessions from the comfort of your home. We bill your insurance directly — you only pay your copay.

4

We Handle the Paperwork

Claims, authorizations, and billing are all managed by us. You focus on healing.

Private Pay & Out-of-Network

Don't see your insurance listed? You can still work with us:

50–80%
typical out-of-network reimbursement when you submit a superbill
  • $165 per 55-minute session
  • We provide superbills — detailed receipts you submit to your insurance for out-of-network reimbursement. Many clients receive 50-80% back from their insurer.
  • We accept HSA and FSA cards as payment.
  • Private-pay clients enjoy no diagnosis requirement, no session limits, and complete privacy.

Self-pay rates are available for clients not using insurance or with out-of-network benefits. We can provide a superbill for out-of-network reimbursement.

  • Standard Session — $165 per session
  • Extended Session — $235 per session
  • Healing Package — $940 (5% Discount)

HSA/FSA accepted. Sliding scale available — contact us to discuss.

Insurance FAQ

Yes. EMDR is an evidence-based therapy recognized by the APA, WHO, and VA. Most major insurance plans cover EMDR when billed as psychotherapy (CPT codes 90834/90837). Your specific coverage depends on your plan's mental health benefits.

Book a free consultation or call us at (617) 286-5581. We'll verify your benefits before your first session so you know exactly what's covered, your copay amount, and any deductible remaining.

You can still work with us. We provide superbills for out-of-network reimbursement, accept HSA/FSA cards, and offer self-pay sessions at $165. If we're credentialing with your plan, you can join the notify list and we'll email you the day it goes live.

Yes — insurance requires a clinical diagnosis (such as PTSD, anxiety, or depression) for reimbursement. If you prefer no diagnosis on your record, our private-pay option provides complete privacy with no reporting to insurers.

Most plans cover 20-52 sessions per year for mental health. We verify your specific session limits during the intake process. Research shows most single-trauma EMDR clients see significant improvement in 6-12 sessions.

Yes! Sherly Millan is fully bilingual and provides EMDR therapy in both English and Spanish — with all insurance plans we accept.

Yes! We are now in-network with Blue Cross Blue Shield of Massachusetts. We accept BCBS plans including Blue Cross, Blue Shield, and HMO Blue. Book a free consultation to get started.

Yes! We are now in-network with Aetna in Massachusetts. We accept Aetna HMO and PPO plans. Visit our insurance page to learn more or book a free consultation to verify your specific benefits.

Yes — we are now in-network with Harvard Pilgrim Health Care (administered through Point32Health). EMDR is billed as standard outpatient psychotherapy — if your plan covers mental health sessions, it covers EMDR. Sherly will verify your specific benefits during your free 15-minute consultation.

Yes. We are in-network with Cigna / Evernorth (Evernorth administers behavioral-health benefits for Cigna plans). Your plan's mental-health copay or coinsurance applies, and we verify your benefits before you start.

EMDR Unlocked accepts Blue Cross Blue Shield, Aetna, Cigna / Evernorth — and MassHealth (Medicaid) insurance plans in Massachusetts. We verify your benefits before your first session.

Yes. We are in-network with MassHealth (Medicaid), and most MassHealth members pay nothing out of pocket for outpatient therapy. We confirm your plan details during the free consultation.

Most Cigna / Evernorth plans in Massachusetts cover EMDR as standard outpatient psychotherapy, billed under behavioral-health benefits. Your copay is whatever your plan charges for an outpatient mental-health visit — commonly $20–$60 per session on HMO/PPO plans, with the deductible applying first on high-deductible plans. We run a benefits check against your specific plan before your first session so the cost is clear upfront.

Almost never. Cigna / Evernorth's behavioral-health benefit lets Massachusetts members self-refer to an in-network therapist for outpatient mental-health care — no PCP referral or prior authorization for routine EMDR. A small number of Cigna HMO products require a referral; we confirm during your benefits check before the first session and flag it upfront if your plan needs one.

Yes. Cigna / Evernorth covers telehealth psychotherapy in Massachusetts at parity with in-person visits — your copay and benefits are the same, and EMDR is billed under the same outpatient psychotherapy codes either way. EMDR Unlocked is telehealth-only, so every session is virtual; clients anywhere in Massachusetts can book without traveling and use their full Cigna / Evernorth in-network benefit.

Yes. EMDR Unlocked is in-network with BCBS of Massachusetts. EMDR sessions are billed as standard outpatient psychotherapy, so your regular mental-health copay or coinsurance applies. We verify your exact benefits before your first session.

Yes. EMDR Unlocked is in-network with Aetna in Massachusetts, including Aetna HMO and PPO plans. EMDR is covered when medically necessary, billed as standard outpatient psychotherapy under your behavioral-health benefit. We verify your specific Aetna plan benefits before your first session during your free 15-minute consultation, so your copay and coverage are clear upfront.

Yes. We are in-network with UnitedHealthcare through Optum Behavioral Health, including UHC Commercial, UHC Medicare Advantage, UHC Community Plan, OneCare, Senior Care Options, and ConnectorCare / Massachusetts Exchange plans. Mass General Brigham Health Plan is also in-network through Optum.

Yes. EMDR Unlocked is in-network with Mass General Brigham Health Plan, including the MGB employee plan and MGB commercial plans. MGB Health Plan's behavioral-health network is administered by Optum, which is also where our UnitedHealthcare contract lives — so MGB members get the same in-network access for EMDR at the standard outpatient psychotherapy copay.

Yes. EMDR Unlocked is in-network for OneCare members in Massachusetts. OneCare is the state's dual-eligible demonstration plan for adults 21–64 who have both Medicare and MassHealth, administered in our case through UnitedHealthcare. EMDR is covered under standard outpatient mental-health benefits — typically with no copay for dual-eligible members.

Yes. EMDR Unlocked is in-network for Senior Care Options (SCO) members. SCO is the Massachusetts dual-eligible plan for adults 65+, administered in our case through UnitedHealthcare / Optum. EMDR is covered as standard outpatient mental-health care — typically with no copay for SCO members. We'll verify your specific benefits during your free consultation.

Yes. EMDR Unlocked is in-network for ConnectorCare plans through the Massachusetts Health Connector marketplace, administered via UnitedHealthcare. EMDR is billed as standard outpatient psychotherapy and is covered. Your copay depends on your ConnectorCare plan tier — we verify your specific cost-share before your first session.

They're sister brands under the same parent company. UnitedHealthcare is the patient-facing health-plan brand — what's printed on your insurance card. Optum Behavioral Health (also called UBH — United Behavioral Health) is the company that actually administers UHC's mental-health network and processes therapy claims. If your card says UnitedHealthcare or Optum, you're in-network with EMDR Unlocked — same contract, same coverage.

Yes. Massachusetts health plans cover telehealth psychotherapy the same way they cover in-office visits, and all EMDR Unlocked sessions are secure video sessions. Your normal copay or coinsurance applies.

Partly — in Florida we're now in-network with Aetna, so Aetna members pay only their plan copay. For other plans we're self-pay ($165 per session) with superbills for out-of-network reimbursement while we complete credentialing with more Florida insurers (UnitedHealthcare/Optum, Cigna / Evernorth, Tricare East). Join the notify list to hear when your plan goes live.

Understanding Your EMDR Insurance Coverage

Learn how to verify your benefits, what CPT codes are used for EMDR billing, and what to ask your insurance company before your first session.

Read our complete insurance coverage guide →

Don't see your plan? Tell us and we'll email you the moment it activates.

We'll only use your email to notify you about insurance updates. No spam.

Ready to Get Started?

Whether you're using insurance or private pay, your first step is the same — a free 15-minute consultation to see if EMDR is right for you.

Serving clients throughout Massachusetts via telehealth — including EMDR therapy Boston, Worcester, Cambridge, Springfield, and beyond.

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Learn what EMDR therapy services we offer →