Does Blue Cross Blue Shield cover therapy?
Yes, most Blue Cross Blue Shield plans do cover therapy for mental and behavioral health conditions.
Whether your particular plan covers a mental health service like therapy depends on several factors, like if you have/have met a deductible, and whether the service is in-network or out-of-network.
How much does therapy cost with a Blue Cross Blue Shield plan?
As mentioned above, the cost of sessions depends on A) the degree of coverage for your plan, and B) whether you’re seeing a therapist who’s in or out-of-network.
A) Degree of coverage for your plan
There are two key two terms that determine your payment amount per therapy session.
Deductible — The sum total of medical costs you need to pay each year before your insurance coverage begins. (All your medical costs contribute to this, not just therapy costs.)
Copay — The set fee you pay at every therapy session. This could range from $15 to $80 per session.
B) In-network vs. out-of-network
In-network: If your therapist is in-network, you will have to pay a copay or a deductible, and the final cost depends on your specific plan.
Find out how much each session will cost by asking the insurance company or your therapist.
Out-of-network: If you are seeing a therapist out-of-network, then you will have to pay the entire fee the therapist charges up front.
You may be able to get reimbursed using your out-of-network benefits.
What types of therapy does Blue CrossBlue Shield cover?
The modalities that Blue Cross Blue Shield covers may include:
Play Therapy for children
A therapist may use different types of therapy approaches in your sessions.
What kinds of therapy does Blue Cross Blue Shield not cover?
Like most insurances, it is not typical for Blue Cross Blue Shield to cover the following:
Couples counseling (see below for more info + ways to pay for couples counseling)
Therapy sessions occurring outside the therapy office, e.g., exposure and response prevention therapy
What conditions does Blue Cross Blue Shield cover?
Mental health conditions Blue Cross Blue Shield covers may include:
Mood disorders, such as bipolar disorder
Grief and bereavement (if accompanied by a mental health diagnosis)
Does Blue Cross Blue Shield cover online therapy?
Yes, certain Blue Cross Blue Shield insurance plans cover online therapy.
For example, many Blue Cross Blue Shield chapters have partnerships with online networks (such as Live Health Online).
Verify that your sessions will be covered directly with your therapist.
Does Blue Cross Blue Shield cover couples counseling?
No. While it depends on your specific plan, it is unlikely that Blue Cross Blue Shield will cover couples counseling.
That said, even if your insurance doesn't directly cover it, you still have options for getting affordable couples counseling. Here are five ways to pay for couples counseling if it’s not included in your health insurance plan.
Do I need to see my doctor before visiting a Blue Cross Blue Shield therapist?
No, with most plans you can see a therapist for outpatient treatment directly, without first consulting your primary care physician.
How can I find therapists who accept Blue Cross Blue Shield?
If you are outside these regions, you can use Blue Cross Blue Shield’s search function to find a therapist in your area who takes your insurance.
You can also check the list of therapists who have been recommended to us, or ask your primary care physician for their recommendation.
Find Blue Cross Blue Shield therapists near you
Find Blue Cross Blue Shield therapists on Zencare, below.
Search by filters like location, availability, and specialties; watch therapist introductory videos; and book free initial calls to find the right therapist for you!