Insurance We Accept
ZODU Health Services works with several major insurance carriers to help make care accessible for families across Central Florida. Appointments are available in person and via telehealth, in English and Spanish, as part of ZODU Group Corp’s Integrated Family Health System — one clear path to health connecting medical, behavioral, developmental, and rehabilitative care, so you don’t have to navigate alone.
Coverage Varies by Plan — Please Read This First
Coverage varies by carrier, by employer, and by the specific plan you’re enrolled in — two people carrying the same insurance card can have very different benefits. Being listed below means we work with that carrier; it is not a guarantee that your individual plan covers a given service, what your copay or deductible will be, or that a specific type of visit is included.
That’s why we verify your individual benefits for free before your first appointment. Our team confirms your specific coverage, explains what to expect, and answers your questions before you commit to scheduling. If your plan isn’t listed below, call us anyway — we may still be able to help, or point you to your next best option.
Have questions or want to check your benefits now? Call (407) 559-7093 or schedule a consultation and we’ll take it from there.
Aetna
Aetna plans typically provide coverage for outpatient counseling and psychiatric services, often without requiring a referral for therapy. This includes Aetna Better Health (non-Medicaid plans) and Aetna CVS — if your card carries either of these names, you’re on the Aetna network.
Coverage varies by specific Aetna plan. We verify your individual benefits for free before your first appointment.
See Full Aetna Coverage Details → | Verify Your Aetna Benefits →
Blue Cross Blue Shield (BCBS)
Most Blue Cross Blue Shield plans include coverage for outpatient mental health services, and many allow self-referral to therapy without prior authorization.
Coverage varies by specific BCBS plan. We verify your individual benefits for free before your first appointment.
Cigna
Cigna plans generally include mental health benefits, often allowing direct access to therapy without a referral. This includes Cigna JUDI Health, Evernorth, and Johns Hopkins US Family Health Plan — all part of the Cigna network.
Coverage varies by specific Cigna plan. We verify your individual benefits for free before your first appointment.
See Full Cigna Coverage Details → | Verify Your Cigna Benefits →
Florida Blue
Florida Blue plans generally cover outpatient mental health services based on medical necessity.
Coverage varies by specific Florida Blue plan. We verify your individual benefits for free before your first appointment.
Verify Your Florida Blue Benefits →
Medicare
Medicare typically covers outpatient mental health services, including counseling and medication management. Coverage rules differ between Original Medicare and Medicare Advantage plans, so our team reviews your specific eligibility and explains your coverage clearly before services begin.
Coverage varies by whether you have Original Medicare or a Medicare Advantage plan. We verify your specific coverage for free before your first appointment.
Verify Your Medicare Coverage →
Oscar Health
Oscar Health plans typically include coverage for outpatient mental health services, including counseling and medication management, when medically appropriate.
Coverage varies by specific Oscar plan. We verify your individual benefits for free before your first appointment.
UnitedHealthcare
UnitedHealthcare plans typically provide coverage for outpatient mental health services, including counseling and medication management. Coverage varies by plan, and many members can access outpatient therapy without a referral.
Coverage varies by specific UnitedHealthcare plan. We verify your individual benefits for free before your first appointment.
See Full UnitedHealthcare Coverage Details → | Verify Your UnitedHealthcare Benefits →
Carelon
Carelon manages behavioral health benefits for many insurance and employer plans, and members typically have coverage for outpatient counseling and medication management through their Carelon benefit.
Coverage varies by the specific plan tied to your Carelon benefit. We verify your individual benefits for free before your first appointment.
See Full Carelon Coverage Details → | Verify Your Carelon Benefits →
Humana
Humana plans, including Humana Military, typically include coverage for outpatient mental health services such as counseling and medication management. Coverage and referral requirements vary by specific plan.
Coverage varies by specific Humana plan. We verify your individual benefits for free before your first appointment.
See Full Humana Coverage Details → | Verify Your Humana Benefits →
Tricare
Tricare provides coverage for outpatient mental health services, including counseling and medication management, for eligible service members, veterans, and their families. Referral requirements can vary by Tricare plan type.
Coverage varies by Tricare plan type. We verify your individual benefits for free before your first appointment.
See Full Tricare Coverage Details → | Verify Your Tricare Benefits →
Other Plans We Accept
Beyond the carriers above, ZODU Health Services also works with AARP, GEHA, Optum, Oxford, UMR, WebTPA, UFCW, and Wellfleet, among others. Insurance can be confusing, and a plan name on your card doesn’t always match the network it runs through — call us and we’ll help you figure out where your specific plan fits.
Don’t See Your Plan?
Insurance can be confusing, and plan names don’t always tell the full story. If your carrier isn’t listed above, or you’re not sure what your plan covers, call us at (407) 559-7093 — our team is part of the same coordinated ecosystem that supports every ZODU patient, and we’re happy to help you figure out your options, including self-pay.
ZODU Health Services
1525 S Alafaya Trail, STE 104, Orlando, FL 32828
Phone: (407) 559-7093
