We work with a variety of insurance plans to make care more accessible.
If you’re unsure about your coverage, we’re happy to help you understand your options.
Insurance We Currently Accept
Commercial Plans
- Aetna
- Anthem Blue Cross — Commercial
- Blue Shield of California — Commercial
- Health Net of California — Commercial
- United Healthcare / Optum
- Western Health Advantage
- United Medical Resources (UMR)
Medi-Cal & Managed Plans
- Anthem Blue Cross — Medi-Cal
- Blue Shield of California Promise Health Plans
- Health Net of California — Medi-Cal
- Health Plan of San Joaquin — Medi-Cal
Kaiser Plans
At this time we are NOT accepting NEW PATIENTS with Kaiser Coverage; we will continue to service existing Patients with Kaiser Coverage.
Carelon Behavioral Health Plans
At this time we continue to accept NEW PATIENTS with Partnership Health Plan.
We are NOT accepting NEW PATIENTS with Sutter Health Plans; we will continue to service existing Patients with Sutter Health Plans.
EAP (Employee Assistance Programs)
- Mutual of Omaha — EAP
Recent Insurance Changes
We are no longer accepting new clients with the following plans:
- Magellan EAP Regular
- Magellan EAP Wildfire
- Magellan Health Services
- TRICARE West Region
Questions About Coverage?
If you do not see your insurance listed or are unsure what your plan includes, please contact us at outreach@therealinstitute.com or reach out through our contact page — we’re happy to help.
What is a Copay & Deductible?
A copay is a fixed dollar amount you pay each time you receive certain types of care
How it works:
- Copays are set amounts
- You pay the copay at the time of the appointment
- Copays do not depend on the total cost of the service, they stay the same every visit.
- Some services use copays, while others may use coinsurance instead.
A deductible is a specific amount you must pay each year before your insurance starts helping with costs. Every insurance plan has its own deductible amount, and some plans may not have one at all.
How it works:
- You pay the contracted rate until you reach your deductible
- After the deductible is met, insurance pays part of the cost
- You pay the remaining coinsurance percentage
FAQ for Insurance
What is the difference between in-network and out-of-network coverage?
In‑network care uses providers your insurance has contracts with, meaning lower costs, while out‑of‑network care has no contract, so you pay more and can be billed the difference.
What is an EOB?
An Explanation of Benefits (EOB) is a short statement from your insurance that shows what was billed, what your plan paid, and what you may still owe.
Do I need a referral from my primary doctor?
Some plans require a referral before starting mental health services, while others let you book directly with a therapist or psychiatrist. Check your specific benefits or contact your insurance carrier to confirm or reach out to our Outreach Coordinator.
Important Note:
Insurance coverage can vary, and verification/eligibility of benefits is required before services begin.
Having insurance does not always guarantee coverage or payment for services.