Insurance & Therapy

Understanding Your Coverage

Mental health parity laws require insurance companies to cover mental health services similarly to physical health services—but understanding what's actually covered can be confusing. Here's what you need to know.

Key Terms to Know

• In-Network: Therapists who have contracts with your insurance, typically lower costs
• Out-of-Network: Therapists without insurance contracts, higher out-of-pocket costs
• Deductible: Amount you pay before insurance covers services
• Copay: Fixed amount per session (e.g., $30)
• Coinsurance: Percentage you pay per session (e.g., 20% of $150)

Finding In-Network Providers

Most insurance websites have provider directories, but they're often outdated. Better approach:

• Use Psychology Today's therapist finder with insurance filters
• Call therapists directly and ask if they accept your insurance
• Ask your primary care doctor for referrals to in-network providers
• Check if your employer offers Employee Assistance Programs (EAP) with free sessions

Out-of-Network Reimbursement

If you choose an out-of-network therapist, you might still get partial reimbursement:

• Pay the therapist's full fee upfront
• Request a "superbill" (detailed receipt)
• Submit the superbill to your insurance for reimbursement
• Expect to get back 50-80% depending on your plan

Sliding Scale & Low-Cost Options

If insurance doesn't cover enough or you're uninsured:

• Ask therapists if they offer sliding scale fees (adjusted based on income)
• Look for training clinics at universities (supervised by licensed professionals)
• Check community mental health centers
• Explore online therapy platforms like BetterHelp or Talkspace