Insurance Coverage for Therapy
Most health insurance plans in many countries cover mental health services, including therapy. However, coverage details vary significantly by plan.
What's Typically Covered:
- Individual therapy sessions
- Group therapy (in some cases)
- Psychiatric evaluations
- Mental health assessments
- Treatment for diagnosed mental health conditions
How to Check Your Coverage
Check Your Plan Documents
Review your insurance policy or summary of benefits for mental health coverage details.
Call Your Insurance Company
Ask about mental health benefits, coverage limits, copays, and deductibles.
Ask About In-Network Providers
Find out which therapists are in-network (typically cheaper) vs out-of-network.
Understand Your Costs
Ask about copays, deductibles, coinsurance, and session limits.
Check for Pre-Authorization
Some plans require pre-authorization before starting therapy.
Common Insurance Terms
Copay
Fixed amount you pay per session (e.g., $20-50)
Deductible
Amount you pay before insurance starts covering
Coinsurance
Percentage you pay after deductible (e.g., 20%)
In-Network
Providers contracted with your insurance (lower cost)
Out-of-Network
Providers not contracted (higher cost, may have coverage)
Session Limit
Maximum number of sessions covered per year
What If Insurance Doesn't Cover It?
If insurance doesn't cover therapy or coverage is limited, consider:
- •Sliding scale fees (income-based pricing)
- •Therapists-in-training (often lower rates)
- •Community mental health centers
- •Employee Assistance Programs (EAPs)
- •Group therapy (often more affordable)
- •Online therapy platforms (may offer lower rates)
- •Alternative support (mentors, coaches, peer support)
Find Providers Who Accept Insurance
Many providers in our directory accept insurance. Filter by insurance accepted when searching for providers.