What is Covered and What is Not
As with other types of medical care, the payment options for mental health therapy can seem complicated. Let’s make it simple.
Individual sessions in the therapist’s office
- Always available by private pay or through health insurance coverage. (according to your plan)
- Clients can use HSA (Health Savings Account) and FSA (Flexible Spending Account) funds to pay for their therapy sessions.
Individual video/phone therapy
- Always available by private pay, and now approved by most health insurance companies.
- Check with your provider to see if they cover video/phone therapy sessions.
- Clients can use HSA (Health Savings Account) and FSA (Flexible Spending Account) funds to pay for their therapy sessions.
Paying Privately
Even if you have health insurance coverage, there are definite benefits to paying privately for therapy if it fits into your budget.
Please review these benefits before you decide to make use of your health insurance.
Paying with Health Insurance
- Bring your insurance card with you.
- Co-pays are due at the time of service.
Questions to ask your health insurance provider:
- Do I have mental health benefits?
- What is my yearly deductible and has it been met?
- How many sessions per year does my mental health insurance cover?
- Do I need prior approval from my primary care doctor?
- Do you reimburse for video/phone therapy? (if applicable)
- Do I have a co-pay and if so, how much is it?
Professional Affiliations
