Will Insurance Cover Therapy? Here’s What You Should Know

Have you ever looked at your insurance card and wondered, Does this even help me get support when I need it most?

That’s a common question—and an important one.The good news? In many cases, therapy is covered. But understanding how (and what kind) can feel like trying to read a map with missing labels. This guide is here to make things clearer. Not overwhelming. Not full of fine print. Just the basics you need to feel more informed and more in control.


If you’ve ever:

  • Delayed reaching out for help because you weren’t sure you could afford it

  • Felt confused trying to call your insurance company

  • Wondered why some therapists “take insurance” and others don’t


…you’re not alone. Let’s walk through what really matters when it comes to therapy and insurance.

What Does Insurance Actually Cover?


Let’s start with the basics. Most insurance plans do cover some form of mental health care—including therapy—but coverage depends on several key things:

1. In-network vs. out-of-network therapists

Think of “in-network” as a therapist who has an agreement with your insurance company. This usually means lower out-of-pocket costs for you.

Out-of-network providers may still be covered, but you’ll likely pay more upfront and submit for reimbursement later.

2. The type of plan you have

Some plans (like PPOs) are more flexible about who you can see. Others (like HMOs) may require a referral from your primary care doctor first.

3. Your deductible and copay

Even if therapy is covered, you might have to meet your deductible first (the amount you pay out-of-pocket before your insurance kicks in). After that, you might just owe a copay—for example, $20 per session.

How to Find Out What Your Plan Covers

It can feel intimidating, but calling your insurance company is the most direct way to get clarity. You can ask:

  • Do I have mental health benefits?

  • What’s covered for individual or group therapy?

  • What’s my copay per session?

  • Is pre-authorization required?

  • Are telehealth sessions covered?

Pro tip: On the back of your insurance card, there’s usually a number specifically for members—that’s the one to call.

What About Employer Benefits?

Another option—especially if you’re employed—is to see if you qualify for EAP (Employee Assistance Program) benefits.These programs often provide 5–8, sometimes 10 free sessions before you even have to use your insurance.

  • EAP sessions are:

  • Completely confidential

  • Easy to schedule

  • A great low-pressure way to get started with therapy

To find out if you have access to this, reach out to your HR department or check your company’s employee benefits portal.

If Your Therapist Doesn’t Take Insurance

Not all therapists work directly with insurance—and that’s okay. Many are considered out-of-network providers but can give you what’s called a superbill (a receipt with the info your insurance needs).You send it in, and depending on your plan, you may get reimbursed for part of the cost. It’s worth asking both your therapist and insurance provider about this option.

What If I Don’t Have Insurance or My Plan Doesn’t Cover Much?

You still have options:

  • Sliding scale fees – Many therapists adjust their rates based on your income.

  • Community clinics – These often offer low-cost or free sessions.

  • Online platforms – Some offer subscription-based therapy with flexible pricing.

  • EAP benefits – (As noted above) A great resource that doesn’t require insurance at all

Your mental health is important—and there are paths to care, even when finances are tight.

Group Therapy: Yes, Even Virtually

If individual therapy feels overwhelming or financially out of reach, group therapy can be a powerful and affordable alternative—and yes, it works very well online.

Virtual groups offer:

  • Connection and support from the comfort of your own space

  • Lower cost than most one-on-one sessions

  • A sense of community that’s just as real as in person

In group therapy, you might hear someone voice the very thing you’ve never dared to say out loud. Even just listening can be healing. You’ll begin to realize: you're not the only one navigating anxiety, burnout, or self-doubt.Whether you join with your camera on or off, whether you speak up or simply take it in—you’re still doing the work.

A Thought to Carry With You

Getting help shouldn’t be a luxury. It’s a right.

Understanding your insurance coverage is one of the first steps in advocating for your mental health—because asking for support is a strength, not a burden.

Try this today:

Find out if your insurance covers therapy. Just one phone call. No pressure to book anything yet. Information is power, and it’s a small act of care for yourself.

Want Help Navigating It?

If you’re ready to explore therapy but aren’t sure how to start with insurance, we’re here to help. Our team can walk you through the basics, connect you with options, and even check benefits with you.

Reach out:

“Understanding how therapy works with insurance isn’t just about money—it’s about removing one more barrier between you and the support you deserve.”

Sources: National Alliance on Mental Illness (NAMI), HealthCare.gov, American Psychological Association (APA)

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