![]() ![]() If they are licensed in your state and can accept your insurance, you may be able to attend online counseling with insurance coverage. You can also reach out by phone to ask if that therapist does offer virtual counseling. If you're searching for individual therapists or therapy companies that offer telehealth therapy, check the insurance page or section of their biography or website. However, not all online practitioners offer care through insurance plans. Many special practice providers have moved to online therapy to offer more accessibility to clients experiencing mental health concerns. The National Center for Complementary and Integrative Health offers materials if you wish to learn more about CAM therapies or complementary and alternative medicine. ![]() If your budget is limited, you can try alternative treatments such as CAM therapies or utilize them as complementary therapy under the supervision of your doctor or therapist. You might also require a medical doctor’s referral for any mental health treatments. If you have not been diagnosed, an insurance policy could also require you to have a diagnosis and underlying need before covering your therapy sessions. In some cases, you might have to pay an upfront cost, such as the entire cost of the session, and your insurance plan may reimburse you afterward. However, they might not cover the entire session. Many insurance plans have mental health care or therapy as a coverage item. If you have a limited list, it may be mailed to you, or you can reach out to your insurance provider through their website or email to ask. Some insurance plans will also limit you by cost, the number of sessions, and the names of therapists you can see. Additionally, depending on your policy, you may be limited to seeing mental health professionals in your state or county. In personal practice, therapists often have the right to choose which insurance plans to accept, and not every therapist will accept the same plans. Health insurance may or may not cover your treatment for traditional in-person talk therapy. Even though therapy can be expensive, this mental health parity act helps ensure that all individuals have equal pass and protection under their insurance plans when it comes to seeking help with their mental health needs. It is also important to understand the Mental Health Parity and Addiction Equity Act of 2008, which is a federal law that requires insurance companies to treat mental health and substance use disorders as they would any other medical condition. Some providers offer a selective list of companies they accept, so check with them before signing up for therapy. If you have Medicaid or Medicare through the US government, you may have all or most of your therapy treatment costs covered, depending on your need for them and what the provider does cover. You could face co-pays, session costs, or upfront fees that affect your overall therapy cost, depending on the deductible or plan you signed up with when you first obtained your insurance policy. If you have a primary care physician, they may also help refer you to a therapist or specialist that takes your insurance plan. ![]()
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