Sliding scale spots now available — learn more

Therapists who take Aetna

We are in-network with Aetna in New York and Florida. You pay your plan's copay, and we handle the billing.

If your card says Aetna, including Aetna Student Health, you can see us for your plan's copay. Billing runs through Headway, so there is nothing for you to file and nothing to chase afterward.


Aetna is one of the plans we see most. That includes Aetna plans through employers, Aetna Student Health plans at New York and Florida colleges, and Aetna plans your company buys through a PEO such as Justworks. If you are not sure which you have, feel free to send us a photo of your card, and we will check before your first session.

Not every card with Aetna on it works the same way. Aetna Medicare Advantage is not a plan we accept, and a few employer plans send mental health to a different company. Headway's benefits check catches this when you book, and so do we when you text us your card.

Aetna plans we accept:

  • Aetna commercial plans: PPO, EPO, HMO, Open Access
  • Aetna Student Health at Columbia, NYU, Cornell, Fordham and more
  • Aetna plans through Justworks and other PEOs
  • Aetna plans at large New York employers
  • Aetna in Florida as well as New York
  • Out of network? We provide superbills

What a session costs with Aetna

  • Your plan's copay or coinsurance for outpatient therapy, shown on Headway before you confirm
  • Most Aetna commercial and student plans need no referral for in-network therapy; we confirm yours when we check benefits
  • On a deductible plan you pay the contracted rate until the deductible is met, then your coinsurance
  • Full self-pay rate if your plan is out of network: $200, with a superbill
  • Free benefits check: text us a photo of your card

You will know what you pay before the first session.

How it works.

Who you'll see

Sessions with Tina Liu, LMHC-D, for clients located in New York or Florida. Feel free to ask about availability with our other clinicians for Aetna plans in New York.

How to book

Open Tina's Headway profile, pick a time, and enter your insurance details. Headway checks your coverage and shows an estimate of what you will pay per session before you confirm. Booking takes about five minutes.

Students on Aetna Student Health

Your school's plan runs on Aetna's network, so you are covered for your plan's copay. We have written a guide for each New York school, with what the plan covers and how to book.

If your plan turns out to be out of network

The full rate is $200 per 50-minute session, and we provide a superbill you can submit to your insurer for possible reimbursement. If cost is the barrier, ask about our sliding scale.

Questions before you start?

Do you take Aetna?

Yes. We are in-network with Aetna in New York and Florida, including Aetna Student Health, through Headway. You pay your plan's copay or coinsurance per session.

Does my Aetna plan need a referral for therapy?

Most Aetna commercial and student plans do not require a referral for in-network outpatient therapy. A few employer plans do, and we confirm it when we check your benefits before the first session.

What if my Aetna plan is out of network?

You can still see us at the full rate of $200 per 50-minute session, and we provide a superbill for your insurer. If cost is the barrier, ask about our sliding scale.

Check My Coverage & Book on Headway

Prefer we check for you? Text (917) 809-8067 a photo of your insurance card and we'll confirm your benefits before the first session. How the coverage check works.

Related: Aetna Student Health guide · Therapy for Students · Startup & Tech Employees · Oxford, Oscar & UHC · Fees & Insurance · Check Your Coverage

Who you'll work with.

Tina Liu, LMHC-D
Tina Liu, LMHC-D

Founder & Mental Health Counselor. EMDR-trained, culturally attuned, licensed in New York & Florida.

About Tina →
Laila Siddiqui, MHC-I
Laila Siddiqui, MHC-I

Mental Health Counselor. Works with teens and young adults in New York, under the clinical supervision of Tina Liu, LMHC-D. Sliding scale spots available.

About Laila →
Junli Xiao, MHC-LP
Junli Xiao, MHC-LP

Mental Health Counselor. Works with adolescents and young adults in New York, in English and Mandarin, under the clinical supervision of Tina Liu, LMHC-D.

About Junli →

Not sure where to start? Feel free to send us a note, and we will help you find a good fit.

Reach out whenever you're ready.

Text (917) 809-8067 to schedule your appointment, send a message below, or email us directly.

Thanks for reaching out.

Something went wrong. Please email us directly at info@liumentalhealth.com.

Prefer email? info@liumentalhealth.com