Miscarriage & Pregnancy Loss therapy covered by Northwell Direct
"They said it was early. They said it happens all the time. It didn't feel small to me."
+9 moreNo commitment. We'll confirm your coverage before your first session.
Using your Northwell Direct benefits
Phoenix Health is in-network with Northwell Direct in New York. Northwell Direct is not an insurance company in the usual sense — it is a direct-to-employer network built by Northwell Health, which means your employer contracts with it and your cost-sharing is set by that employer's plan rather than by a national carrier's standard schedule. What stays constant is that we bill the plan directly, so you do not pay us up front and wait for reimbursement. Our PMH-C certified therapists treat postpartum depression, perinatal anxiety, birth trauma, and pregnancy loss, and they work exclusively in perinatal mental health. New York's parity and telehealth parity laws apply to Northwell Direct plans, so a video session is covered on the same terms as an in-person one. Because employer plans differ from one another more than commercial plans do, verifying your specific benefit matters more here than usual — we check your copay, deductible, and any prior authorization requirement before your first session, at no charge. Sessions are FSA and HSA eligible.
Does Northwell Direct cover therapy after a miscarriage?
Grief on its own is not a billable diagnosis -- it is a normal response to loss, and insurers do not treat it as an illness. Coverage attaches when the loss produces a diagnosable condition, which after a miscarriage is common: an adjustment disorder, a depressive episode, or PTSD where the loss was medically traumatic. In practice this means Northwell Direct covers the great majority of post-loss therapy, but the claim is filed under that diagnosis rather than under bereavement. We make that determination at the assessment, and it does not change what the sessions are like.
Phoenix Health is in-network with Northwell Direct in New York, so we bill the plan directly and you pay only your copay or coinsurance. Northwell Direct is a direct-to-employer network rather than an insurance company, so your cost-sharing is set by the employer plan that uses it. In practice outpatient therapy bills as a specialist visit at a copay after your deductible. New York's parity and telehealth parity laws apply, so a video session is covered on the same terms as an in-person visit.
Checking it yourself: Call the behavioral health number on the back of your card and ask three questions: is this provider in-network for outpatient behavioral health, what is my specialist copay, and has my deductible been met? We do this verification for you before your first session at no charge.
Your card might say any of these — all of them are Northwell Direct:
✓ In-network coverage
Your benefits apply directly — no superbills or out-of-network claims.
✓ Benefits verified upfront
We confirm your copay and deductible before your first session, at no charge.
✓ Telehealth covered
Your plan covers virtual sessions at the same rate as in-person specialist visits.
You might benefit from therapy if…
- ✓You've had a miscarriage, ectopic pregnancy, or pregnancy loss and you're carrying it mostly alone
- ✓People keep saying things that hurt, even when they mean well
- ✓You've had multiple losses and the cumulative grief is hard to carry
- ✓You're terrified to try again, or you're trying again and the fear is overwhelming
- ✓You feel angry at your body, at the universe, at people who got pregnant easily
- ✓You can't talk about your loss without crying and you're tired of explaining
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
Pregnancy loss is one of the most under-witnessed griefs I see. People assume that early loss means small loss, and the data does not support that, and neither does the consulting room. The work is taking the loss seriously, naming it for what it is, and not letting the world's minimizing become your minimizing.
What therapy looks like
Our Miscarriage & Pregnancy Loss specialists who accept Northwell Direct
Most Phoenix Health therapists hold PMH-C certification — the gold standard in perinatal mental health.
Amanda Flowers
LPC, PMH-C · Licensed therapist
Works with perinatal OCD and neurodivergence, using body-based tools to calm the nervous system.
Licensed in TX, MT
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Natalia Cruz Navarro
EspañolLCSW · Licensed therapist
12+ years with families through high-risk pregnancies, fetal diagnoses, and NICU stays.
Licensed in CA
Lyndsay Ward
LCSW, PMH-C · Licensed therapist
An attachment theory expert who helps you unpack how your childhood shows up in your parenting.
Licensed in NY
Golda Fleischman
LMSW · Licensed therapist
A birth doula before she was a therapist, she helps you prepare for a birth or process a hard one.
Licensed in NY
Stories that may sound familiar
These are examples, not client reviews. We don't publish our clients' words. What's said in therapy stays there.
“"I had three losses before my current pregnancy and never let myself grieve any of them because I was always focused on trying again. My therapist helped me understand that I was carrying grief for three separate pregnancies and three separate futures I'd imagined. Sitting with that was hard. It also let me finally move forward."”
“"The physical part of my miscarriage was what nobody prepared me for. I was at home going through something my body had to do, processing grief at the same time, with no support. My therapist helped me understand that the way a loss happens becomes part of the grief. All of it was real and all of it needed space."”
“"My loss was at eight weeks and people kept saying at least it was early. Like the early losses don't count the same way. I had already named her. Already imagined her. The loss I felt was real, and the minimizing made it worse. My therapist gave me space to grieve exactly what I'd lost without anyone measuring whether I was allowed to."”
“I had a miscarriage at nine weeks and everyone moved on within a month. I couldn't. My therapist let it be as big as it actually was. Six months later I felt like a person again. A year later I was pregnant, and I went into that pregnancy with real support already in place.”
In-network with
Northwell Direct.
Most clients pay less than $20 per session.
Accepted Insurance Networks
Your rights under federal parity law
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), your insurer cannot impose more restrictive limits on mental health coverage than on comparable medical or surgical benefits.
See full coverage map →Ready to start Miscarriage & Pregnancy Loss therapy? Here’s how it works.
The whole process takes about 5 minutes. We handle insurance — you just show up.
- 1
Book your free call
A quick 15-minute chat to hear what you're going through, answer your questions, and make sure we're a great fit for your needs. No cost, no commitment.
- 2
Get matched
We'll pair you with the right specialist for your specific situation. We'll also check your insurance, so you know your exact cost per session before moving forward.
- 3
Start your first session
Meet your therapist from the comfort of home. No commute, no waiting rooms, no judgment. Most clients notice a real difference within just 2 to 3 sessions.
No commitment · Most insurance accepted · Available this week
Common questions
- Grief on its own is not a billable diagnosis -- it is a normal response to loss, and insurers do not treat it as an illness. Coverage attaches when the loss produces a diagnosable condition, which after a miscarriage is common: an adjustment disorder, a depressive episode, or PTSD where the loss was medically traumatic. In practice this means Northwell Direct covers the great majority of post-loss therapy, but the claim is filed under that diagnosis rather than under bereavement. We make that determination at the assessment, and it does not change what the sessions are like. Phoenix Health is in-network with Northwell Direct in New York, so we bill the plan directly and you pay only your copay or coinsurance. Northwell Direct is a direct-to-employer network rather than an insurance company, so your cost-sharing is set by the employer plan that uses it. In practice outpatient therapy bills as a specialist visit at a copay after your deductible. New York's parity and telehealth parity laws apply, so a video session is covered on the same terms as an in-person visit.
- There is no expiration date on this grief. The intensity usually softens with time and with support, but anniversary dates, due dates, and subsequent pregnancies often bring it back. That's not a failure of healing. It's how grief works.
- No. Gestational age does not determine grief. Some people grieve a 6-week loss as profoundly as a later loss, especially if it was a long-awaited or hard-won pregnancy. Your grief is not measured in weeks.
- Partners often grieve differently, and the mismatch is one of the most painful parts of this loss for many couples. Therapy can help bridge that, either individually or with couples work. The difference doesn't mean your partner doesn't care.
- Many clients do exactly that. Processing the loss before trying again can dramatically change how the next pregnancy feels. That said, some clients start trying again before they've fully processed, and therapy can carry alongside that, too. There's no wrong order.
- PMH-C (Perinatal Mental Health Certification) is awarded by Postpartum Support International (PSI) to clinicians who have completed advanced training in perinatal mental health — covering postpartum depression, anxiety, OCD, birth trauma, and related conditions. It represents the gold standard of specialization in this field.
- If you're struggling — with your mood, your thoughts, your relationship, or just how you're coping — that's enough of a reason to talk to someone. You don't need a diagnosis. A free consultation is a low-commitment first step.
From the Phoenix Health resource center
Articles and guides about miscarriage & pregnancy loss
Trusted by leading voices in parenting and mental health
OBs, doulas, and pediatricians refer their patients to us because we specialize in maternal mental health.
The sooner you start,
the sooner you'll
feel like yourself again.
You've been surviving. It's time to start healing.
No commitment · Covered by insurance · Available this week
Learning resources
🕯️Read our Miscarriage & Pregnancy Loss guides →Often goes alongside