Many people wonder, “Is marriage counseling covered by insurance?” The answer to this question varies widely, but it is possible for your policy to cover the cost of marriage counseling. First, you need to know whether your insurance plan covers marriage counseling. Depending on your policy, it may only cover a certain number of sessions, or you can get as many sessions as you need. However, if you have a Medigap plan, you may be able to get more sessions than you can afford.
There are a few exceptions to this rule. Most insurance companies will cover a few sessions as long as they are “V61.1 Relational Problems.” That means that you’ll need to have a diagnosis for one spouse before they will cover marriage counseling, and the counselor will need to diagnose the other spouse as suffering from a mental health disorder. Thankfully, couples can still have this right and make their own decisions about whether to get a diagnosis.
If your insurance doesn’t cover marriage counseling, you can try looking for a community-based EAP. Some plans offer a sliding scale based on your income. Generally, you’ll need to find a provider within your community, but you can always ask if your plan offers this service. And remember, many therapists offer sliding-scale services, so it is always worth checking if your plan covers it.
If you can’t find a local therapist, consider the Employee Assistance Program. This program covers a wide range of health care benefits, including marriage counseling. An EAP is a voluntary work-based program that provides free confidential assessments, short-term counseling, referrals, and follow-up services. While some programs are in-house, others are outsourced to mental health professionals. In any case, the best way to get help is to talk to your HR department.
In most cases, marriage counseling is not covered by insurance. There are some exceptions, though. COBRA plans usually only cover a limited number of sessions with a licensed therapist. If you don’t have a plan, you can contact your human resources department to ask about coverage. If your employer doesn’t offer any kind of health plan, you can check with the state and local government for information. You can also try looking online for an EAP, which is offered through your company.
There are many ways to find out if your insurance plan covers marriage counseling. Most policies will cover a few sessions under “V61.1 Relational Problems” – but only if your spouse is diagnosed with a mental illness. If you’re eligible for insurance coverage, make sure you check with your insurance company to see if your plan covers the service. The best way to find out if your health plan will cover marriage counseling is by calling your HR office.