27 Jun 2018

Does Health Insurance Cover Marriage Counseling?

Does Health Insurance Cover Marriage Counseling?

Every couple experiences a rough patch at some point in their relationship, and there’s no shame admitting you sometimes need some help. Our emotions are often ruled by rage, jealousy, and greed, so it’s a great idea to seek out the guidance of a professional. So today, we’re going to discuss whether your health insurance covers marriage counseling.

What Is Marriage Counseling?

Before we dive into the specifics, you’re probably wondering what marriage counseling is in the first place? Well, it’s a type of therapy that involves couples visiting a professional psychologist. You’re going to be asked to explore underlying emotions, so mentally prepare yourself beforehand. The first session will usually be explorative, so expect to go into more detail in the second or third appointment. 

How Long Does Marriage Counseling Last?

This answer varies, and it’s really up to your psychologist. Some couples need months of counseling to work through problems and regain a sense of trust. On the other end of the spectrum, some partners need a few sessions, and they’re good to go! So it’s a case by case basis, and don’t expect all your problems to disappear after the first session.

How Much Does It Cost? 

This answer also depends on your psychologist. A seasoned professional can charge upwards of $150 per session, while others cost around $75 per hour. We always recommend clients to do a bit of research beforehand, so use a third-party app like Psychology Today to see if your counselor is registered. It’s also crucial to check where they’ve completed their education, as there are a few bogus graduate programs out there.

Does My Insurance Cover It? 

The answer is typically no. Most health insurance programs in the US cover psychotherapy but only as a treatment option for an illness. Therefore, unless you’re suffering from depression or anxiety, you won’t be able to claim it under your insurance.

Although, you should double check with your insurance. Before making an appointment, call the toll-free number and check with an agent. If your insurance does provide psychological services, clarify your coverage. For example, some providers only cover up to 80% with an annual maximum amount of $500.

How Will It Impact My Marriage? 

Couples therapy can have a profound impact on a relationship. It can shed light on issues that you both couldn’t discuss beforehand and improve communication over time. In many situations, counseling has even saved marriages from the brink of divorce. So if you’re thinking about booking an appointment, verify whether your insurance provides coverage!

For more information about health insurance, you can always rely on HealthQuoteInfo. Phone one of our professional agents today at 1-855-614-5057

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