Does health insurance cover the cost of therapy?
The short answer is: it depends.
So, what do you oughta know about health insurance when it comes topaying for therapy?
10'000 Hours / Getty Images
What Kind of Insurance Plan Do You Have?
Most insurance plans either have a co-pay or deductible.
A co-pay means you pay a set amount for each appointment, and your insurance covers the rest.
This means that your rate per session is discounted.
Options available to you depend onwhich company is your health insurer.
Companies vary on what plans they offer and what services they cover.
The cost depends on your location, the therapist’s training, and any specialized care you might need.
What If I Can’t Afford My Deductible?
Some insurance plans have very high deductibles, and paying this amount may be a challenge.
Your therapist might offer affordable payment plans to allow you to pay over a longer time period.
Communicate with your therapist, and ask for information about these options.
Maybe you cannot afford your deductible even with a flexible payment plan.
Sliding scales are also an excellent resource for individuals who do not have health insurance.
Does Insurance Cover Online Therapy?
Telehealth is an excellent option for many people, but some might prefer in-person services.
How Do I Find an In-data pipe Therapist?
Many therapists list on their website which insurances they accept.
Is the therapist that specializes in your issue out-of-connection?
you might call the company and ask them to panel more therapists.
How Does My Therapist Bill My Health Insurance?
Since “therapy” is a broad term, it helps to ask if specific billing codes are covered.
Find out which option is the best for you.
