Is EMDR Therapy Covered by Insurance in Massachusetts?

Yes — most plans cover it. Now accepting Blue Cross Blue Shield of Massachusetts, Aetna, Cigna / Evernorth — and MassHealth (Medicaid) for telehealth EMDR sessions. We bill your insurance directly — you only pay your copay.

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Sherly Millan, LICSW — EMDR Therapist

Sherly Millan, LICSW

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

Insurance Plans

We are in-network with Blue Cross Blue Shield of Massachusetts (BCBS), Aetna, and Cigna / Evernorth for EMDR therapy in Massachusetts. We are also credentialing with additional major insurance providers. Status updates below:

Last updated: May 12, 2026

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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Tufts Health Plan

Credentialing In Progress

Application submitted — expected approval within 60–90 days.

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Harvard Pilgrim Health Care

Credentialing In Progress

Application submitted — expected approval within 60–90 days.

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Optum / UnitedHealthcare

Credentialing In Progress

Application submitted — expected approval within 60–90 days.

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Mass General Brigham Health Plan

Credentialing In Progress

Application submitted — expected approval alongside Optum / UnitedHealthcare.

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Medicare

Coming Soon

Enrollment planned following initial credentialing.

Additional insurance panels will be added as we grow. Don't see your plan? We can still help — see 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 have two options: (1) Pay our private rate of $165/session and we'll provide a superbill for out-of-network reimbursement — many clients get 50-80% back. (2) Join our notification list and we'll contact you when we add your plan.

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.

We are actively credentialing with Tufts Health Plan (now part of Point32Health). We expect to accept Tufts plans soon. Join our notification list below and we'll let you know when Tufts coverage becomes available.

Yes. EMDR Unlocked is in-network with Cigna / Evernorth (Evernorth is Cigna's behavioral-health admin — if your card says Evernorth, it's still a Cigna plan) in Massachusetts. 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.

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 — EMDR Unlocked is now in-network with MassHealth. EMDR is billed as outpatient mental health and is covered. Sherly will verify your specific MassHealth plan benefits during your free 15-minute 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 Blue Cross Blue Shield of Massachusetts (BCBS) — including Blue Cross, Blue Shield, and HMO Blue plans. EMDR is covered when medically necessary, billed as standard outpatient psychotherapy under your behavioral-health benefit. We verify your specific BCBS plan benefits before your first session during your free 15-minute consultation, so your copay and coverage are clear upfront.

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.

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 Insurance?

We're adding new insurance plans regularly. Leave your email and insurance provider, and we'll notify you the moment we accept your plan.

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 →