Yes, Your Insurance Should Cover Telehealth (But Let's Verify, Because They Suck)

By Liz Wooten, LPC

About the Author: Liz Wooten, LPC, is the founder of Enlitens and a rebellious academic dedicated to dismantling the broken mental health system. As an AuDHD therapist with years of front-line crisis experience, she brings a deep, lived understanding to her work. Read Liz’s Full Story Here

Let’s be clear: Your insurance company is not your partner in health. It is a for-profit bureaucracy designed to create just enough friction to make you give up. The confusion you feel about your telehealth benefits is not a personal failing; it is a deliberate feature of a broken system.

You’ve spent hours on hold, been transferred four times, and you still can’t get a straight answer about whether your daughter’s telehealth sessions are covered the same as in-person. You’re a successful manager in a demanding career. You navigate complex projects, tight deadlines, and the elite politics of the Rockwood school district for a living. But the soul-crushing opacity of your insurance portal makes you feel like you’re failing at the most important project of all: getting your kid the care she needs.

This bureaucratic nightmare isn’t just frustrating; it’s a direct tax on your already overloaded Executive Function. The constant task-switching, the working memory required to track deductibles and co-pays, the emotional regulation needed to not scream at the customer service rep—it’s a massive cognitive load designed to exhaust you into compliance.

The goal of an insurance company is to manage their financial risk. The goal of a clinician is to help you manage your neurological reality. These goals are not aligned.

You have been trying to “optimize” a system that is fundamentally hostile to your well-being. The lie is that if you were just more organized or efficient, you could solve this. The truth is, this is not your job.

Your job is to be a parent, not a professional insurance investigator. Your time and energy are finite, high-value resources that are better spent supporting your family, not decoding a deliberately confusing benefits summary.

Our rebellion against this system is simple: we take the fight off your plate. Verifying your insurance benefits—for telehealth or any other service—is part of our job, not yours. It is a non-negotiable part of our process because we refuse to let a bureaucratic barrier stand in the way of care.

Here is our simple, low-demand protocol:

You schedule a free, 15-minute call.
If it feels like a good fit and you want to use your insurance, we securely collect your information.
We personally contact your insurance provider. We navigate the phone trees and the jargon.
We report back to you with a clear, definitive answer on your exact telehealth coverage and what your responsibility will be, before you ever commit to a paid session.

Your first step isn’t another battle. It’s a strategic delegation. When you’re ready to take this off your plate, Start here.

Go Deeper Down the Rabbit Hole

A Guide to Our Sliding Scale

Insurance is not the only path. Learn about our confidential, trust-based sliding scale—a practical alternative to a broken system.

My Kid, My Expertise

Your fight with the insurance company is part of a larger battle. Here’s the research that proves why your parental expertise is non-negotiable.

A Guide to the "Vibe Check"

The first step to getting help should be the easiest. Learn about our no-pressure, no-judgment consultation where you are in charge.

*The information here is meant to guide and inform, not replace the care of a qualified healthcare professional. If you have questions or concerns about a medical or mental-health condition, please reach out to a trusted provider. The examples shared are based on general personas—no personal health details are used. At Enlitens, your privacy is a top priority, and we fully comply with HIPAA regulations to keep your information safe and confidential.

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This is not a space for debate or unsolicited advice. It is a space for sharing stories. We read every submission, and we will periodically feature the most resonant and validating stories here with the author’s explicit permission. Submit your’s below!

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Take one second. That’s all I’m asking.

Do not try to “calm down.” Do not try to “fix it.” Do not listen to the voice screaming that you need to do something right now.

Just be here, with me, for one single breath.

My name is Liz. I’ve spent years working overnight in the ER, sitting with people on what was often the worst night of their entire lives. I have sat in the eye of the hurricane, and I can tell you with absolute certainty that the chaos you feel right now is not the truth.

It is a storm in your nervous system. And a storm is just a weather pattern. It is not you. It is not permanent. And you do not have to navigate it alone.

Right now, your brain’s alarm system is screaming. The logical part of your brain has been taken offline. That is a normal, brilliant, biological survival response. But you and I are going to bring it back online, together.

We are going to do one, simple, physical thing. This is not a bulls*hit mindfulness exercise. This is a direct, manual override for your nervous system.

Place your hand on your chest.

Can you feel that? The rise and fall. The rhythm. That is the anchor. That is the proof that you are here, in this moment, and you are alive.

Keep your hand there.

Now, we are going to make one choice. The storm is telling you there are a million overwhelming things you have to do. That is a lie. There are only three choices right now, and you only need to pick one.

If you or someone else is in immediate, physical danger and you need help on site, right now:

This is the button you push when you need the paramedics or the police to show up. This is the “bring the fire truck” button.

If you are having thoughts of suicide and you need to talk or text with a human, right now:

This is the national, 24/7 lifeline. It is free, it is confidential, and it is staffed by trained counselors who are ready to listen without judgment. This is the “I need a lifeline” button.

If you are in St. Louis, you are not in crisis but you are in deep distress and need to talk to someone local:

Behavioral Health Response (BHR) is our community’s lifeline. They provide free, confidential telephone counseling and can connect you with local resources. This is the “I need a local guide” button.