Online therapist in New Jersey who takes Horizon Blue Cross Blue Shield

Using your Horizon plan with me

Through Headway, I’m in network with Horizon Blue Cross Blue Shield of New Jersey. Headway checks your specific plan before your first session, shows an estimate of your cost, and bills Horizon for you.

Sessions are online by video. I’m licensed in New Jersey (LCSW #44SC05528100), and you need to be physically in New Jersey, or another state where I’m licensed, during each session. Where your plan was issued and where you are during sessions are separate questions; Headway checks the coverage.

Check Insurance and Availability on Headway →

How booking works

1. Open my Alma or Headway profile and choose to check your insurance.
2. Enter your plan details in the secure form.
3. You’ll see whether your plan covers sessions with me and an estimate of your cost, including any copay, coinsurance or deductible.
4. Pick a time and book. The platform bills your plan.

Before you book: questions for Horizon

• Is my Horizon plan an employer, individual, state employee or Medicare Advantage plan? Coverage can differ.
• Does it cover telehealth therapy, and at what copay or coinsurance?
• What’s my deductible, and how much have I met this year?
• Do I need a referral or pre-approval?
• The behavioral health number on your Horizon card can answer these.

Horizon members across New Jersey

Horizon members from Bergen County to Cape May can meet with me by video, from home, the office or a parked car on a commuting day. If you’re on a Horizon Medicare Advantage plan, check your plan on Headway before booking.

What I help with

Individual therapy for adults, including:

How the Care Map Method™ shapes our sessions

The Care Map Method™ is the framework I use to organize our work, alongside a standard clinical assessment. It isn’t a separate tested treatment. It keeps four kinds of needs in view:

Then we work in four steps:

1. Map the emotion and trigger. We look at a recent hard moment closely: what set it off and what you felt.
2. Match the need with a strategy. We name the need underneath and choose one strategy that fits it.
3. Merge the strategy into daily life. We put the strategy into a real day of your week.
4. Manage communication and responses. We practice the conversations involved, review what happened and adjust.

Questions people ask

Does every Horizon plan cover sessions with you?

Not necessarily. Plans differ even within the same company. Headway checks your specific plan before you book.

How much will I pay per session with Horizon?

It depends on your plan’s copay, coinsurance and deductible. Headway shows an estimate before you book.

Can I use my employee assistance program (EAP)?

An EAP is a separate benefit with its own network and session limits. Ask your EAP whether I’m included. If not, you can use your health plan through Alma or Headway.

What if my plan isn’t listed?

The plans on this site are the ones I’m currently in network with through Alma and Headway. If yours isn’t listed, email tammy@caremapmethod.com with a general question. Please don’t include plan numbers or health details.

What other plans do you take?

Through Alma: Aetna, Cigna, Carelon, Blue Cross Blue Shield of Massachusetts, and Optum plans including UnitedHealthcare, Oscar and Oxford. In Maine, Alma currently lists Aetna, Cigna and Optum plans. Through Headway, for clients in California, New Jersey and Oregon: Aetna, Anthem Blue Cross, Cigna, Carelon, Horizon BCBS of New Jersey, Providence Health Plan and Regence BlueCross BlueShield of Oregon. Coverage still depends on your specific plan.

Where do I need to be during sessions?

Sessions are online by video, and you need to be physically in California, New Jersey, Oregon, Maine or Iowa during each one. Your insurance plan can come from another state; what matters for licensing is where you are during the session. Alma checks whether your plan covers sessions with me.

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