Pregnancy After Loss therapy covered by Northwell Direct
"I'm pregnant again but I can't let myself feel excited. I'm terrified."
+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 during pregnancy after a loss?
Yes, when the anxiety carried into a subsequent pregnancy meets criteria for an anxiety disorder, PTSD, or an adjustment disorder -- which after a prior loss it very often does. Northwell Direct bills this under your behavioral health benefit like any other outpatient therapy. Being pregnant does not change the benefit or the cost-sharing; it is not billed under your maternity coverage.
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're pregnant after a miscarriage, stillbirth, neonatal loss, or termination for medical reasons, and the fear is constant
- ✓You're holding your breath until the next scan, then starting over
- ✓You can't let yourself buy anything for the baby, decorate, or talk about plans
- ✓Anniversary dates of the previous loss are coming up, and you're bracing for them
- ✓You feel guilty about the previous baby or the previous pregnancy
- ✓You don't know how to talk to your partner about it without making things harder for them
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
Pregnancy after loss is one of the hardest stretches I treat, because the people around you want you to be happy and you're busy trying to survive each week. Therapy gives you somewhere to put all of it, the grief and the terror and the slow, careful hope, without having to manage anyone else's reaction.
What therapy looks like
Our Pregnancy After 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.
“"After my stillbirth I was terrified to try again and terrified not to. When I finally got pregnant, I dissociated for most of the first trimester, just protecting myself from more loss. My therapist helped me reconnect before the baby arrived so I wasn't meeting him already armored."”
“"I refused to buy anything for the nursery until 36 weeks. I wouldn't let my husband tell anyone. I went to every appointment convinced they were going to find something wrong. My therapist helped me understand that the hypervigilance made sense, and also that it was costing me the pregnancy. Slowly we worked on staying in the present instead of waiting for bad news."”
“"I got pregnant again six months after my loss and couldn't celebrate. Every week past where we'd lost the last one felt like permission to breathe a little more, and every week before it felt like holding my breath. My therapist helped me stop spending the pregnancy in survival mode and actually be present for it. It wasn't easy. It was worth it."”
“I lost my first at 22 weeks. When I got pregnant again I couldn't breathe until I was past that week. My therapist helped me make a plan for the day I crossed that line and for every scan after. I am holding a baby now and I am still grateful for how she got me there.”
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 Pregnancy After 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
- Yes, when the anxiety carried into a subsequent pregnancy meets criteria for an anxiety disorder, PTSD, or an adjustment disorder -- which after a prior loss it very often does. Northwell Direct bills this under your behavioral health benefit like any other outpatient therapy. Being pregnant does not change the benefit or the cost-sharing; it is not billed under your maternity coverage. 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.
- Acute, severe, sustained anxiety can affect pregnancy outcomes, which is exactly why getting support matters. But everyday anxiety in response to a real history is not damaging your baby. What's most protective is treatment, which is what you're doing by looking for help.
- Protective detachment is extremely common in pregnancy after loss. Many people unconsciously hold back attachment until they feel safer, often after the gestational week of the previous loss, after a key scan, or sometimes not until they're holding the baby. That's your nervous system protecting you. It doesn't predict your bond.
- Earlier is better. Many clients start before they're pregnant or in the first trimester. Having tools and a relationship with a therapist in place before the highest-anxiety milestones makes a real difference.
- Yes. Loss at any gestational age, and after birth, is treatable with grief and trauma-focused therapy. Many of our therapists have specific training in this work.
- 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 pregnancy after 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 Pregnancy After Loss guides →Often goes alongside