How To Get Marriage Counseling Covered By Insurance?

Insurance coverage for marriage counseling depends on several factors, including the nature of the counseling and the reasons for seeking it. In-network therapists are typically covered by insurance, as they have contracts with healthcare providers or health insurance companies. Online marriage counseling can also be covered by insurance, but it is not typically covered by most health insurance plans.

The need for couples counseling is not a medical diagnosis, and insurance typically only covers services deemed “medically necessary” to treat a diagnosed mental health condition. However, dual health insurance can cover marriage counseling sessions if both parties have been given a mental health diagnosis. Many therapists offer sliding scale fees based on income or financial need, and ReGain offers individual and couples care options for relationship obstacles.

Marriage counseling without health insurance can be expensive, with individual sessions ranging from $75-$200 for 45-60 minutes and couples sessions from $100-$300 for 60-90 minutes. Some therapists offer sliding scale fees based on income or financial need. Military OneSource and Military and Family Life Counseling provide free non-medical counseling for service members and their families, including relationship and marriage counseling.

Couples therapy involves regular meetings with a qualified counselor, such as a psychiatrist, psychologist, licensed professional counselor, or clinical social worker. To determine if your marriage therapy will be covered by insurance, talk to your therapist or mental health professional and ask how they can help you.

In summary, insurance coverage for marriage counseling depends on various factors, including the nature of the counseling and the reasons for seeking it. Alternative ways to find affordable care for couples therapy include talking to a therapist or mental health professional, reaching out to your insurance provider, and understanding the specifics of your coverage.