Does Blue Cross Blue Shield Cover Therapy? Here’s What You Need to Know

Are you considering therapy to address mental health concerns, but are worried about the cost? If you have Blue Cross Blue Shield (BCBS) insurance, you may be wondering if your plan will cover therapy sessions. Here’s what you need to know:

Types of Therapy Covered by Blue Cross Blue Shield

First, it’s important to understand that the types of therapy covered by BCBS can vary depending on your specific plan. That said, many BCBS plans cover a range of different types of therapy, including:

Individual therapy: One-on-one sessions with a licensed therapist.
Group therapy: Therapy sessions that involve a small group of people, led by a licensed therapist.
Family therapy: Therapy sessions that involve family members and are designed to address issues that affect the entire family unit.
Couples therapy: Therapy sessions that involve a couple and are designed to address issues within the relationship.
If you’re interested in a specific type of therapy, it’s important to check with your insurance provider to see if it’s covered by your plan.

How Much Will You Pay for Therapy?

Like many healthcare services, the cost of therapy can vary depending on a number of factors. If you have BCBS insurance, your out-of-pocket costs for therapy will depend on your specific plan, your deductible, and whether you see a therapist who is in-network or out-of-network.

In general, BCBS plans do cover a portion of the cost of therapy, but you may be responsible for paying a copay, coinsurance, or deductible. It’s important to check with your insurance provider to get a clear understanding of your specific costs.

Finding a Therapist Who Accepts Blue Cross Blue Shield

If you have BCBS insurance and are looking for a therapist, you can use the BCBS provider finder tool to search for in-network therapists in your area. Simply enter your location and the type of therapy you’re interested in, and the tool will provide a list of providers who accept BCBS insurance.

It’s also worth noting that many therapists who accept BCBS insurance may have a limited number of spots available for new patients. If you’re having trouble finding a therapist who accepts your insurance, you may want to consider expanding your search to include out-of-network providers or contacting BCBS customer service for assistance.

Final Thoughts

If you’re considering therapy, it’s important to understand your insurance coverage and how it might impact the cost of your treatment. While the specifics of BCBS therapy coverage can vary, many plans do cover a range of different types of therapy. By doing your research and working with your insurance provider to understand your costs, you can make an informed decision about your mental health care. Book appointment today.

We hope this blog post has been helpful in answering your questions about whether Blue Cross Blue Shield covers therapy. If you have any additional questions, please don’t hesitate to reach out to your insurance