Is mental health therapy covered by insurance?

Services such as therapist visits, group therapy, and emergency mental health care are often covered by health insurance plans. Addiction rehabilitation services are also included. The simple and broad answer is usually yes, you can see a therapist through your insurance. The most complete and often complex answer is what type and how much coverage you have sometimes depends.

There are significant and variable differences around the types of insurance benefits offered by insurers. There are also out-of-pocket costs you should be aware of. If you have insurance from your company and there are more than 50 employees, your health insurance must provide you with the same mental health services. While having mental health benefits gives many more people access to therapy, it comes at a price.

Given the changes taking place in health care law, it is essential to know the long-term costs of using insurance to pay for therapy. Yes, EmblemHealth covers mental and behavioral health services within its provider network. They have an extensive network of mental health professionals in the tri-state area who make up their in-network provider group. Yes, almost all Cigna Behavioral Health plans cover therapy for mental and behavioral health conditions.

However, the extent of coverage depends on your particular plan. Find benefit statements, a list of covered drugs, and all the forms needed to get the most out of your EmblemHealth coverage. Mental health services and treatments covered by insurance may vary by insurance company and plan. Therapy sessions begin when you and your therapist are connected through the therapy platform or application and your chosen contact method.

The customer service agent will point you in the right direction of where to find your mental health benefits or share with you the amount of coverage you have under your plan. While not all plan providers have insurance coverage for mental health care and behavioral health services online, Blue Cross Blue Shield is a provider that does. If you choose an out-of-network therapy provider, expect to pay more for the service, as this is not something your insurance covers in the same way as you would if you chose an out-of-network provider for your health insurance plan. This means that while they don't cover therapy services and allow you to make a copayment, they do allow full or partial reimbursement for your online therapy sessions.

In most mental health professions, patients are charged by the hour or per session for the pre-existing mental health condition. Platforms such as 7 Cups of Tea provide mental health applicants with non-emergency counseling services, referrals and support to find affordable long-term resources to help them delve deeper into the world of online therapy. Online therapy can be a great option for people who are nervous about getting mental health help, or for those who are busy and lead such a hectic life that they simply can't imagine having one more thing left on their plate. By purchasing health insurance through an exchange under the Health Care Reform Act, you have greater access to mental health services.

If you're thinking about going to mental health therapy, you might wonder if insurance will cover the cost. Finally, if you are ever sued, the opposing party can request a subpoena for your medical and mental health records to bring a case against you. This way, your mental health care stays between you and your therapist, not between the insurance company and anyone who has access to your insurance account information. As a result of the law, a single deductible now applies to both mental health treatment and medical services.

If your copay is too high, contact community mental health centers or college-training clinics that offer discounted therapy. Now that you understand how online therapy is covered by insurance, feel more secure when scheduling your mental health therapy sessions online. .

Diana Anzaldua
Diana Anzaldua

Diana Anzaldua, LCSW - S, TYCT, is a Licensed Clinical Social Worker and Trauma-Informed Yoga Teacher in Central Texas. As the founder and owner of Austin Trauma Therapy Center, she teaches clients new skills for coping and adapting to the daily stresses of life so they can live the life they imagined by connecting them to their true authentic selves. Diana has been featured in industry magazines & websites such as Bustle, Hello Giggles, Yahoo, PBS, Allure, and more. Diana started this website to help answer FAQs for people interested in learning more about therapy around the world!