Cofinity providers and therapy: what Cofinity on your card means for counseling in Michigan

Picture your insurance card: an employer’s plan name across the top, a company you have never heard of in the corner, and a small Cofinity logo near the bottom. Which one is your insurance? Who do you call about therapy? It is a fair question, and the answer is simpler than the card makes it look.

Can I see Iryna if my card shows Cofinity?

Yes. Sessions with Iryna Morhunova-Sutton, LLMFT, can be billed to Cofinity through her group practice’s billing system. Cofinity is a provider network, though, not the company that decides your benefits. The plan or administrator named on your card is the one that sets your copay and deductible and decides whether joint sessions are covered, so that is who to ask.

What is Cofinity?

Cofinity is a PPO provider network. Cofinity, Inc. appears on Aetna’s published list of company affiliates, and it is one of the networks run through First Health, alongside the First Health Network and First Choice of the Midwest. First Health says it works with 260 payer clients, and that you can tell a patient is using one of its networks because one of its logos appears on the ID card.

The key line on First Health’s own site: it “does not provide medical or health benefits.” It is not an insurance company, does not sell insurance and does not pay claims. For questions about benefits, eligibility, pre-authorization or claims, it tells people to contact the payer listed on the ID card.

Network vs. plan: why the difference matters

Here is a simple way to picture it. Think of the network as a list of providers who have signed contracts and agreed-upon rates. Think of your plan as the rulebook: what is covered, what you pay and what is excluded. Cofinity supplies the first. Your employer’s plan, or the company that administers it, supplies the second. A provider being reachable through the network tells you nothing yet about your copay, your deductible or whether couples sessions are covered. Only the plan can answer those.

That is why Cofinity can appear on cards issued by third-party administrators that run health plans for employers. For example, ASR Health Benefits, a Grand Rapids administrator of self-funded employer plans, lists Cofinity/First Health among the provider networks available to its members. If that describes your card, our ASR Health Benefits page may help too.

How to check your benefits when Cofinity is on your card

1. Find the payer. Look for the plan administrator or insurer named on the front or back of your card, and the member services number next to it.
2. Call that number, not Cofinity. Ask whether outpatient behavioral health is covered for in-network providers.
3. Ask about video sessions. Confirm that telehealth therapy is covered and what it costs compared with an office visit.
4. Ask about money. Your deductible, how much you have met, and your copay or coinsurance per session.
5. Ask about couples and family work. Are family psychotherapy codes 90847 and 90846 covered, and does the plan exclude marriage counseling?

If you want to look up participating providers yourself, First Health offers an online provider locator for its networks, including Cofinity. Directory listings can change, so treat the plan administrator’s answer as the final word.

Couples and family sessions under a Cofinity-network plan

Because your employer’s plan sets the rules, two people with the same Cofinity logo can have very different couples coverage. One plan may cover family psychotherapy when a spouse is being treated for anxiety; another may exclude marital counseling entirely. The usual standard is medical necessity, meaning a diagnosis is being treated. Counseling for the relationship alone frequently goes unpaid. For a plain-language explanation, see does insurance cover couples therapy.

Video sessions statewide

Every session with Iryna happens over secure video; there is no office. She holds a Michigan license, so log on from within Michigan. That works whether you live in Holland, Midland or Ypsilanti, as long as you are inside the state when you log on. Read more about online therapy in Michigan.

When you are ready

Request an appointment and mention your plan when you reach out. Include both the Cofinity logo and the administrator or employer plan named on your card. To compare other plans, visit the insurance overview.