Yes, nearly all BlueCross and BlueShield 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, BlueCross and BlueShield may have more limited coverage options for common life problems like grief and loss, couples and marriage counseling, career counseling, and general relationship issues.