Participating Insurance Plans and Geographies

Overview

Alma works with an expansive group of commercial insurance carriers across the United States. We are working to go in network with even more insurance carriers in the near future, and we will share these exciting updates here.

Alma also works with covered programs including EAPs and Optum Care Connect, providing additional opportunities to connect with clients and grow your practice. You can learn more about them here:

The Alma insurance program includes the following insurance plans and geographies. To be eligible for payment, you must be (1) licensed in the state you're providing service and (2) credentialed via Alma with each network payer.

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 which individual health plans will be considered in-network until we have specific insurance policy information. We always suggest that you submit your client's insurance details to our team to confirm their in-network eligibility, expected payment responsibility, and mental health benefits.

Participating Insurance Plans

Optum

Primary States: AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, IO, KS, KY, MA, ME, MD, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, RI, TN, TX, VA, UT, WA, WI, and D.C.
Secondary States: All Others

Optum is inclusive of several health plans that are included in the Alma insurance program, including:

UnitedHealthcare
UnitedHealthcare Shared Services (UHSS)
UnitedHealthcare Global
UnitedHealthCare Exchange Plans (ONEX)
Optum*
Oscar
Oxford
UHC Student Resources
UMR
All Savers (UHC)
Health Plans Inc
Surest (Formerly Bind)

*Generally, clients with commercial insurance do not have a generic Optum plan; When adding your client’s 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

Primary States: AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, KY, MA, MD, ME, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, RI, TN, TX, VA, UT, WA, WI, and D.C.
Secondary States: All Others

Included in Aetna's Signature Administrators:

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

** GEHA - Aetna is not currently accepted UNLESS the plan includes mental health benefits managed by United Healthcare Shared Services.

If you have a prospective client with subsidiary insurance related to Aetna, please reach out to us to confirm whether that subsidiary insurance is currently billable through Alma. To contact us, click the "Help" button in the bottom right corner of the Support Center.

Cigna

- Primary States: AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, KY, MA, MD, ME, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, RI, TN, TX, VA, UT, WA, WI, and D.C.
- Secondary States: All Others

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

Carelon

Beginning in December 2024, providers in all 50 states are eligible to be credentialed with the following commercial plans:

Carelon Behavioral Health, Inc.
Providence Health Plan

In the future, providers will also be eligible to credential with Wellpoint under Carelon. 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

Carelon is a sister company to Anthem Blue Cross Blue Shield. This means that Alma providers who choose to credential with Carelon will automatically be credentialed with eligible Anthem BCBS plans based on their state licensure. Please keep in mind that providers will only be eligible to see Anthem Blue Cross Blue Shield clients in states where they are licensed.

Alma is currently in network with the following Anthem BCBS plans:

Colorado, Connecticut, Kentucky, Maine, Missouri, Nevada, New Hampshire, Ohio, Virginia, and Wisconsin

We anticipate launching Anthem BCBS of Indiana in 2025 as well, though the date for this launch is currently TBD.

Regional Plans

Blue Cross Blue Shield of Massachusetts

Alma providers across all 50 states are welcome to get credentialed with Blue Cross Blue Shield of Massachusetts. Unlike Anthem Blue Cross and Blue Shield, you do not need to be located or licensed in Massachusetts to be credentialed with Blue Cross Blue Shield of Massachusetts.

However, only providers located in Massachusetts will be eligible to see Blue Cross Blue Shield of Massachusetts clients both in person and virtually. Providers located outside of Massachusetts will only be eligible to see virtual Blue Cross Blue Shield of Massachusetts clients. Learn more about Blue Cross Blue Shield of Massachusetts and Alma here: Blue Cross Blue Shield of Massachusetts FAQ.

Point32Health

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 1st with no lapse of in-network coverage for clients whose providers opted-in to Point32Health.

Please note that we are not credentialing new providers with Point32Health at this time. We will update the Alma community when we resume credentialing in 2024. See Point32Health (Formerly Harvard Pilgrim) FAQs to learn more.