Loyola Marymount University Student Health Insurance for Therapy

Loyola Marymount University strives to support its students to lead healthy lives. That’s why they require that all fully enrolled students have health insurance. They offer their own health insurance plan for students who don’t already have access, which is an Aetna Student Health plan.

Does the Loyola Marymount University Student Health Insurance cover therapy?

Yes, the Loyola Marymount University Student Health Insurance plan covers therapy services. This plan offers coverage for both stress counseling, which is seen as a preventative mental health service, as well as outpatient therapy. This means that students can benefit from working with a licensed professional without worrying about their out-of-pocket costs.

Outside of this insurance plan, the Loyola Marymount University Student Psychological Services office also offers counseling services at no cost — however, these sessions are generally limited and not a long term solution.

How do I check if my Loyola Marymount University Student Health Insurance plan covers therapy?

To check if your Loyola Marymount University Student Health Insurance plan covers therapy services, read through your plan’s policy document. This document shares the amount of coverage provided by the insurance plan for each type of service.

Within this policy document, look for the section that is called “mental health and substance abuse treatment.” Under this heading, you can see how much therapy will cost you per session. You will see that there are two categories when it comes to outpatient office visits — in-network and out-of-network.

How much does therapy cost with the Loyola Marymount University Student Health Insurance?

How much you need to pay out-of-pocket for therapy depends on whether your therapist is in-network or out-of-network. The Loyola Marymount University Student Health Insurance plan only offers coverage for therapists who are in-network. This means that you’ll need to pay the full session fee each time you see an out-of-network therapist — which could add up to $250 per session.

For therapy sessions with an in-network therapist, you will pay a $25 copay. A copay is a standard cost that you pay your provider each session. Your insurance plan pays the rest of the session fee.

What types of mental health conditions does the Loyola Marymount University Student Health Insurance cover?

The Loyola Marymount University Student Health Insurance offers students treatment benefits for many mental health conditions. To reimburse therapists or clients, this plan requires that you receive a diagnosis from your therapist. This diagnosis guides treatment and insurance coverage and will be listed on your billing statements.

Examples of eligible mental health conditions include:

• Depression
• Anxiety
• Alcohol abuse
• Grief and loss
• Eating disorders
• Learning disabilities

There are many more diagnosable and reimbursable mental health conditions, all of which this plan covers.

What types of therapy does the Loyola Marymount University Student Health Insurance cover?

The Loyola Marymount University Student Health Insurance covers many different types of therapy. As long as the therapist is a licensed professional — that is, they have the necessary education and credentials — and they provide evidence-based, clinically rigorous therapy modalities that are appropriate for the given diagnosis, the Loyola Marymount University Student Health Insurance plan will provide coverage.

Here are examples of some therapy modalities:

• Cognitive Behavioral Therapy (CBT)
• Dialectical Behavioral Therapy (DBT)
• Eye Movement Desensitization and Reprocessing (EMDR)
• Mindfulness practices
• Acceptance and Commitment Therapy (ACT)

What types of therapy does the Loyola Marymount University Student Health Insurance NOT cover?

The Loyola Marymount University Student Health Insurance plan will not provide coverage for therapy with an out-of-network therapist. They will also not cover costs associated with services that are not evidence-based, such as life coaching, career coaching, aromatherapy, massage therapy, reiki healing, or nutritional therapy. They also do not cover ketamine and psychedelic treatments, even if the purpose of this treatment is for a mental health condition. This is not to say that these types of therapies aren’t helpful for many people — without clinical evidence pointing towards their efficacy, however, they are not eligible for coverage.

Does the Loyola Marymount University Student Health Insurance cover online therapy?

Yes, the Loyola Marymount University Student Health Insurance plans offers coverage for online therapy. This helps students fit therapy into their busy schedules, as they can take their therapy sessions without needing to leave campus.

Coverage for therapy costs will remain the same, whether you visit your therapy in-person or online. Your copay will be the same amount, $25.

Loyola Marymount University offers its students access to TimelyCare, a tele-health platform that is available around the clock. Through TimelyCare, you can connect with a mental health professional without any costs.

Does the Loyola Marymount University Student Health Insurance cover couples therapy?

No, the Loyola Marymount University Student Health Insurance plan does not provide coverage for couples therapy. Often, health insurance companies do not provide mental health benefits for couples, and this plan is not the exception.

However, you may be able to access couples counseling through the Student Psychological Services office. You can find more information on this office on their webpage.

Do I need to see my primary doctor before starting therapy?

The Loyola Marymount University Student Health Insurance plan is an EPO, which means that you do not need to see your primary doctor before starting therapy. While some types of insurance require a referral to see a specialist, like a therapist, this plan does not — so you can start therapy exactly when you’re ready.