Yes, nearly all Blue Cross insurance plans cover therapy.
Under the Affordable Care Act (ACA), mental and behavioral health treatment must be covered as essential health benefits. These include counseling and therapy, as well as inpatient mental and behavioral health care and substance abuse treatment.
Almost all mental disorders, as well as substance use disorders and alcohol and chemical dependency treatment, are covered by all ACA-compliant health insurance.
However, since insurance coverage is based on medical necessity, Blue Cross may have more limited coverage options for common life problems like couples and marriage counseling, career coaching, and general relationship issues.
If you’re looking for a way to find affordable therapy and quality mental health care, here are some tips on how to find affordable, low-cost—and even free—therapy.
First off, you can browse all the therapists who accept Blue Cross.