Does Blue Cross Cover Mental Health?
Yes, nearly all Blue Cross insurance plans cover mental health.
Here's how to see all the mental health professionals who accept Blue Cross in your area, and book sessions online for in-person or telehealth therapy appointments.
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.
Tips to find mental health professionals who take Blue Cross
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.
Also, you can browse all the therapists who accept Blue Cross.
Choose to browse therapists and counselors based on the insurance providers they accept.
The Monarch Directory by SimplePractice can help you find the right therapist for your needs, whether you're experiencing anxiety, depression, ADHD, or other mental health concerns.
Here are more tips to find a therapist who takes your health insurance.