Commercial insurance allows clients to receive longer-term, ongoing therapy with predictable costs and access to a broader network of in-network clinicians within ReachLink.
What Commercial Insurance Covers
With commercial insurance, clients typically receive:
- 60-minute therapy sessions
- Ongoing care without annual limits (subject to your plan)
- Access to a larger provider network
- The ability to continue care long-term
Once your insurance is verified, your copay or coinsurance will be displayed before you confirm your appointment.
Costs With Commercial Insurance
Your out-of-pocket costs depend on your specific plan:
- Your plan’s copay or coinsurance applies to each session
- Some plans have deductibles that must be met first
- $30 late cancellation fee applies if an appointment is canceled within 24 hours
Using Commercial Insurance at ReachLink
After verification:
- You’ll see only in-network providers
- Your copay is shown clearly before confirming an appointment
- Insurance benefits apply automatically to all eligible sessions
Transitioning From EAP to Commercial Insurance
If you have both EAP and commercial insurance:
- ReachLink verifies commercial benefits before EAP sessions end
- You may switch at anytime if you need a referral for long-term care
- After your EAP sessions are completed, your account transitions automatically to commercial coverage
Many clients choose to switch early for:
- Longer (60-minute) sessions
- A larger pool of available providers
- The ability to start using annual insurance benefits
When Your Insurance Isn’t Eligible
If your plan cannot be accepted:
- You may choose self-pay (pricing available upon request)
- You may wait for verification updates
- You can provide new insurance at any time
Questions About Your Insurance Benefits?
Our Care Coordination team is here to help:
- By call or text: 833-322-0977
- In the app: Click Get Help