Alma's Participating Insurance Plans


Alma works with select insurance plans to make it easier for providers to go in-network. We refer to this as our “insurance program,” and it allows providers at Alma to see clients using insurance while the Alma team manages all of the paperwork and billing on their behalf. 

Please keep in mind that insurance companies define benefits in countless ways — based on location, employer contracts, and many other factors. Therefore, we cannot guarantee that your health plan will be considered in-network until we have your specific insurance policy information. Alma will verify your insurance eligibility before your first visit with your provider to determine if your plan is in-network. Learn more about eligibility checks here

If you don’t see your insurance listed below and are looking for an in-network provider, reach out to our Client Matching Team at

In-Network Insurance Companies

The following commercial insurance companies participate (are in-network) with Alma’s insurance program:


  • UnitedHealthcare
  • UnitedHealthcare Shared Services (UHSS)
  • GEHA - UnitedHealthcare Shared Services (UHSS)
  • Oscar
  • Oxford
  • UHC Student Resources
  • UMR
  • All Savers (UHC)
  • Health Plans Inc
  • Medica (Eligible if policy is commercial only)
  • Surest (Formerly Bind)

Optum is inclusive of several health plans that Alma does not currently accept, including:

  • Select Health
  • Health Plans of Nevada
  • Cenpatico
  • Sierra Health and Life Health Plans
  • Arizona Complete Health
  • Optum Medicare and Medicaid plans


  • Meritain
  • Nippon
  • Allied Benefit Systems
  • Trustmark
  • Trustmark Small Business Benefits
  • Health Scope
  • Christian Brothers Services

Aetna is inclusive of several health plans that Alma does not currently accept, including:

  • GEHA - Aetna**
  • Boon Chapman
  • AmeriBen
  • Health First
  • Piedmont/S&S Healthcare
  • Health Smart
  • Emi Health
  • WebTPA
  • Aetna Medicare and Medicaid plans

If you have a subsidiary insurance related to Aetna, please reach out to to confirm whether that subsidiary insurance is currently billable through Alma.


Anthem Blue Cross and Blue Shield (formerly Empire Blue Cross Blue Shield)

  • You must reside in New York state to use Anthem Blue Cross and Blue Shield benefits through Alma.

Blue Cross Blue Shield of Massachusetts

  • If you are covered by Blue Cross Blue Shield of Massachusetts, you do not need to be located in Massachusetts to be able to see an Alma provider. Our national contract with Blue Cross Blue Shield of Massachusetts allows clients accessing care from all 50 states to see an in-network Alma provider who is credentialed with Blue Cross Blue Shield of Massachusetts.

  • If you are using BlueCard PPO to work with a Blue Cross Blue Shield of Massachusetts provider at Alma, you must be located in MA in order to use their BlueCard PPO benefits. 

Point32 Health (formerly Harvard Pilgrim)

  • While Point32 is currently a participating plan in Alma's Insurance Program, we are not currently credentialing new providers with Point32Health. We will update the Alma community when we resume credentialing in 2024.
  • If you are an existing Alma provider currently seeing Harvard Pilgrim clients in Massachusetts, Maine, New Hampshire, Vermont, and Rhode Island, you may be eligible to get credentialed with Point32Health in 2023 for continuity of care. Please reach out to to confirm if this is an option.
  • For all other providers interested in credentialing with Point32Health in the New England area, we will notify you and the Alma community when this option becomes available.

Ineligible Insurance Plans

Providers who are part of Alma’s Insurance Program are able to accept clients with commercial plans under participating insurance plans: Aetna, Cigna, Optum, and Anthem Blue Cross and Blue Shield. However, there are also some types of plans that we do not currently accept. Community or state plans, such as NYSHIP, 1199SEIU, or any plans managed by Medicare or Medicaid, are not currently supported by our insurance program. If you do not have eligible insurance coverage for sessions with your Alma provider, please see this section of our Support Center for more information on how to Using Alma Without Insurance Benefits.

Was this article helpful?

26 out of 30 found this helpful

Have more questions? Submit a request