Insurance Accepted
Texas & California
Marilu Navarro, LMFT is in-network with major insurance providers in Texas and California. Use your benefits to access quality telehealth therapy — Marilu handles all billing directly with your insurer.
Insurance Plans Accepted
Click any insurer below for a dedicated page with plan details, how to verify your benefits, and frequently asked questions.
Aetna
PPO, HMO, Open Access, and Medicare Advantage plans accepted.
BlueCross BlueShield TX
BCBS of Texas PPO, HMO, Blue Advantage, and Blue Essentials plans.
Cigna
Cigna PPO, HMO, Open Access Plus, and LocalPlus plans accepted.
Cigna EAP
Employee Assistance Program — free short-term counseling through your employer.
Lyra Health EAP
Lyra Health employer benefit — typically 12–25 free sessions per year.
Evernorth
Evernorth Behavioral Health (Cigna's health services division).
How Insurance Billing Works
Verify Coverage
Marilu's billing team verifies your insurance benefits before your first session — no surprises.
Attend Sessions
Attend your telehealth sessions via secure video. No paperwork needed from you.
Claims Submitted
Marilu submits claims directly to your insurer after each session on your behalf.
Pay Your Copay
You pay only your copay or coinsurance. Marilu handles all insurance communication.
Self-Pay Rate
No insurance? No problem. Marilu's self-pay rate is $165 per 50-minute session. Sliding scale available for students, teachers, and first responders.
Superbills Available
If your plan is out-of-network, Marilu provides superbills upon request so you can submit for reimbursement directly with your insurer.
HSA / FSA Accepted
Therapy is a qualified medical expense. You can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for sessions.
Insurance FAQs
Not Sure If You're Covered?
Book a free 15-minute consultation. Marilu's billing team will verify your insurance benefits before your first session — no surprises, no commitment.