Couples therapy can be a valuable resource for partners experiencing relationship challenges, but many wonder, “Is couples therapy covered by insurance?” The answer depends on several factors, including your insurance provider, the type of plan you have, and the reason for seeking therapy. This article explores whether couples therapy is covered by insurance, what factors influence coverage, and alternative payment options.
Insurance coverage for couples therapy varies based on the insurer and the policy. Unlike individual therapy, which is often covered under mental health benefits, couples therapy is sometimes considered elective and may not be fully covered.
Medical Necessity – If one partner has a diagnosed mental health condition, and therapy is deemed essential for their treatment, some insurance plans may cover sessions under mental health benefits.
Insurance Provider – Some companies, like Blue Cross Blue Shield or Aetna, may offer partial or full coverage, while others may not cover it at all.
Plan Type – Employer-provided insurance plans may include mental health and behavioral therapy coverage, while individual or marketplace plans may have restrictions.
In-Network vs. Out-of-Network Providers – Seeing an in-network therapist increases the chances of coverage compared to out-of-network therapists.
To determine whether your insurance plan covers therapy, follow these steps:
Review Your Insurance Policy – Check for terms like “marriage counseling,” “behavioral health services,” or “relationship therapy.”
Call Your Provider – Speak directly with your insurance company to ask about coverage, copays, and deductibles.
Ask Your Therapist – Many couples therapists can verify insurance benefits for you before starting sessions.
When One Partner Has a Mental Health Diagnosis – If therapy is part of treating depression, anxiety, or PTSD, insurance may cover it.
When Sessions Are Classified as Family Therapy – Some providers bill couples therapy under “family therapy,” which may be included in your policy.
Employee Assistance Programs (EAPs) – Some workplaces offer short-term counseling for employees and their spouses as part of health benefits.
If your plan does not cover couples therapy, there are still ways to make it affordable:
Sliding Scale Fees – Some therapists adjust their rates based on income.
Health Savings Accounts (HSAs) & Flexible Spending Accounts (FSAs) – You may be able to use these tax-advantaged accounts to pay for therapy.
Community Counseling Centers – Nonprofits and universities sometimes offer low-cost therapy options.
Online Therapy Services – Virtual counseling platforms may be more affordable than in-person sessions.
For those without coverage, affordable options include:
Group Therapy for Couples – Some programs offer workshops or support groups at a lower cost.
Religious or Community-Based Counseling – Many churches and community organizations provide free or reduced-cost counseling.
Self-Help Resources – Books, podcasts, and online courses can supplement therapy or serve as an alternative.
Regardless of insurance coverage, therapy can strengthen relationships by improving communication, resolving conflicts, and deepening emotional connections. Research suggests that 75% of couples who engage in therapy see improvements in their relationship (source).
If you’re considering couples therapy and need assistance navigating insurance, contact Munster Behavioral Health today.
Call 219-356-2240 or visit our contact page to schedule an appointment.
While couples therapy may or may not be covered by insurance, there are multiple ways to access affordable care. Whether using insurance, out-of-pocket payments, or alternative resources, investing in therapy can lead to a stronger, healthier relationship.