Step-by-Step: How to Use Your BCBS Insurance for Counseling in Omaha

So, you’ve decided you’re ready to try therapy – but now comes the big question: How do I actually use my Blue Cross Blue Shield insurance to pay for it?

Don’t worry. If you live in Omaha and have BCBS, the process is easier than you think. Here’s a simple step-by-step guide on how to use BCBS insurance for counseling in Omaha.

Step 1: Check Your Insurance Card

Look at the back of your BCBS card. You’ll see a customer service number. This is your direct line to get answers about your mental health benefits.

Step 2: Call BCBS or Log In Online

Ask specifically:

• “What are my outpatient mental health benefits?”
• “What’s my deductible, copay, or coinsurance?”
• “Do I need pre-authorization for therapy?”

👉 If you prefer online, log in at myNebraskaBlue.com. You’ll see benefit details right away.

Step 3: Find an In-Network Therapist in Omaha

The most affordable option is always in-network. You can:

• Search BCBS’s online directory.
• Use Psychology Today or Zencare and filter by “Blue Cross Blue Shield.”
• Or, call a provider directly and ask if they are in-network with BCBS of Nebraska.

Step 4: Confirm Costs Before Your First Appointment

Ask the provider’s office to run a benefits check. They can confirm exactly what you’ll owe per session – whether it’s a flat copay (like $25) or a percentage after deductible.

This prevents surprise bills and helps you budget.

Step 5: Book Your Session

Once you’ve confirmed your benefits and chosen a therapist, it’s time to book. Most Omaha therapists (myself included) offer online scheduling for convenience.

Bring your insurance card to your first session – the provider will file claims directly with BCBS.

Step 6: Track Your Progress (and Your Benefits)

Keep an eye on your deductible and out-of-pocket maximum. Sometimes, after you’ve met those limits, your therapy may be covered at 100%.

Final Thoughts

Using your BCBS insurance for counseling doesn’t have to be stressful. By following these simple steps, you can focus on healing – not billing. No more wondering how to use BCBS insurance for counseling in Omaha.

As an in-network BCBS therapist in Omaha, I make it easy for clients to understand their benefits and get started with therapy right away.

👉 Want help using your BCBS benefits? Schedule a free 15-minute consultation today.