Marriage counseling is typically not covered by health insurance, as it does not typically require medical treatment for a diagnosed mental health condition. This is due to the fact that insurance companies may not be required to offer coverage for online therapy and mental health conditions under federal laws like the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act (MHPAEA). Insurance companies may cover marriage counseling costs if they fit with certain requirements, depending on your health insurance plan and chosen coverage.
Marriage counseling can be expensive and convenient, but insurance typically only covers services deemed “medically necessary” to treat a diagnosed mental health condition. However, there may be situations where insurance coverage is available for couples sessions if there are underlying health issues, behavioral health problems, or mental health concerns. The average cost of marriage counseling without insurance is around $95 per session, and counselors usually meet with a couple once a week for the first three months and then less frequently after that.
If you do not have insurance or your plan does not cover marriage counseling, you may need to pay the total amount out of pocket. Most couples need 12 to 20 therapy sessions to fix a relationship, and at an average of $100 a session, marriage counseling without insurance costs about $1,200 to $2,000. Alternative options to consider include an Employee Assistance Program (EAP), which provides free short-term counseling services to employees through their place of work, and some health insurance policies that may cover therapy services.
In summary, marriage counseling is not typically covered by most health insurance plans, but insurance companies may offer coverage for out-of-network marriage counselors if they meet specific coverage requirements.
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I love marriage helper… It’s helped me so much internally with myself and also in my marriage. I still hope to be able to attend to one of your workshops someday but in the meantime, perusal your articles is so heartwarming and relaxing and makes me always feel hopeful to keep bettering myself in my marriage. I have the ‘save my marriage’ course and I loved it ❤ thank you Dr. Beam and thank you Kimberly, and all the coaches from this program, you guys are amazing!
Our first marriage counselor was quite helpful, but we weren’t in crisis at the time. Years later we were in crisis and went to see a second counselor. This counselor was going to help us work through divorce. Thankfully I found Marriage Helper shortly after finding the second counselor. It changed my life. Today, we have been reconciled for over 6 years and I actively volunteer with Marriage Helper in the Facebook group facebook.com/groups/783603618395431/.
My wife and I are separated under the same roof. It’s been almost a month now, and I have made some serious personal growth. We are almost night and day different from where we were a month ago. We’ve decided we will wait until April to see if Marriage Counseling is an option (basically to see if my change is for real) but I’ve had some kind of mental/physical/spiritual switch, and I feel like a new person.
Several years ago a couple at our church went to a marriage counselor when the husband, a lawyer, decided he didn’t wish to be married any longer. He told his wife he was ready to get out right after their honeymoon. She was devastated! They have three children, the oldest being 13 years of age at the time. The wife said their female marriage counselor not only sided with her husband, but was also blatantly fawning over him. He divorced his wife, and not long after, married his secretary. It was very sad………….
During the course of our 20+ years of marriage struggles, we have seen six different marriage, counselors, five of whom assumed from the outset that I was the cause of our marriage problems because I was a male. In the case of our last counselor, his bias was subtle at first, grew to be obvious, and then was blatant toward the end. He lied to me several times to cover for my wife when she broke agreements we had made in counseling, and came up with the most ridiculous explanations for our marriage issues in his attempt to pin the blame on me, meanwhile, ignoring obvious family of origin issues and even mild personality disorders on the part of my wife. I have counseled scores of couples, myself in pastoral counseling, and I frequently hear the complaint of anti-male bias among counselors. It seems to be endemic.
The bias in counseling against men, and in favor of women is so huge in my experience that I would never recommend a man go to counseling with their spouse. The counselor will basically always take the woman’s side even if the wife is not in the counseling session and the counselor has never met her they will take her side almost always.