Overview
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.
In-Network Insurance Companies
The following commercial insurance companies participate (are in-network) with Alma’s insurance program:
Optum
- UnitedHealthcare
- UnitedHealthcare Shared Services (UHSS)
- GEHA - UnitedHealthcare Shared Services (UHSS)
- Optum*
- Oscar
- Oxford
- UHC Student Resources
- UMR
- All Savers (UHC)
- Health Plans Inc
- Medica (Eligible if policy is commercial only)
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Surest (Formerly Bind)
**Generally, clients with commercial insurance do not have a generic Optum plan; When adding your insurance details in the Alma portal, please select the plan name instead (e.g., UHC, Oscar, etc.). Optum is used for certain employer contracts.
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
Aetna
- 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:
- Aetna CVS
- GEHA - Aetna**
- Boon Chapman
- AmeriBen
- First Health
- 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 insurance_operations@helloalma.com 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
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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.
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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.
Carelon
National Plans
Beginning in December 2024, Alma went in network with the following commercial insurance plans:
- Carelon Behavioral Health, Inc.
- Providence Health Plan
In the future, Alma will also go in network with Wellpoint. However, the date of this launch is still to be determined.
Please note that Carelon is inclusive of several health plans that Alma does not currently accept, including:
- Emblem
- NYSHIP
- Wellsense
- Unicare/Wellpoint
- Humana
Several of these are state or community health plans, which Alma does not accept at this time.
Anthem Blue Cross Blue Shield and Carelon (Regional Plans)
Some Anthem BCBS plans carve out their behavioral health benefits through Carelon Behavioral Health, Inc. Throughout 2025, Alma will begin to go in network with the following Anthem BCBS regional plans:
- CO, CT, IN, KY, ME, MO, NH, NV, OH, VA, WI
Cigna
Cigna is inclusive of several health plans that are included in the Alma insurance program, including:
- Allegiance
- Daniel H. Cook Administrators
- Professional Benefit Administrators
- S&S Healthcare Strategies
- Tall Tree Administrators
- Trustmark
- Wellfleet Group, LLC
- Southwest Service Administrators
- Paragon Benefits
Cigna is inclusive of several health plans that Alma does not currently accept, including:
- Flume Health
- Florida Health Administrators
- Gilsbar TPA
- Healthpartners Inc.
- Magnolia Health
- Priority Health
- UPMC Healthplan
Point32 Health (formerly Harvard Pilgrim)
Point32Health is a regional insurer formed from the merger between Harvard Pilgrim Health Care and Tufts Health Plan, two of Massachusetts’s largest health plans.
We have prioritized contracting directly with Point32Health to ensure continuity of care for Alma clients and providers formerly in-network with Harvard Pilgrim health plans. Alma’s partnership with Point32Health launched on November 1, 2023 with no lapse of in-network coverage for clients whose providers opted-in to Point32Health.
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.