Does anyone know if therapy can be covered by insurance?

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I want to seek further therapy for my depression, i do not want to have to take pills if i do not have to. But lately things have not been so easy. Does heath insurance ever cover therapy? Or any actions other than meds?

Category: Tags: asked May 30, 2014

4 Answers

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My therapy was never covered by my insurance - and it's a pretty good insurance through my mom's employer (she works in a hospital). But look up therapists in your area online and ask them! It doesn't hurt to kind of shop around a little and see what your options are.
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Many insurance companies cover psychotherapy. Call your insurance provider and ask them. You usually can find a "Behavioral Health" phone number on the back of your insurance card. Also, your concern about being forced to take antidepressants is not uncommon. A therapist, psychologist, or psychiatrist can not force you to be on a medication for depression. The exceptions are prescriptions for mental illnesses that can make you a harm to yourself or others (for example, schizophrenia or bipolar disorder). If you attempt suicide as a result of major depression, you should at least consider antidepressants.
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Definitely call the number on your insurance card. They'll be able to tell you everything that you need to know, and will also have lists of doctors that are supported/covered by the plan.
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Currently, health insurance can cover various types of treatment, you should check with your insurance agency. I also advise you to read more about COBRA Health Insurance, as this may be the best deal these days. And also read the article about what does ancillary mean in health insurance. Maybe you will find answers to your questions.