Does NYSHIP Cover Therapy?
Yes, nearly all NYSHIP insurance plans cover therapy. Here's how to find a therapist, counselor, or mental health professional who takes NYSHIP insurance.
You can quickly see therapists who accept NYSHIP in your area, and book sessions online for in-person or telehealth therapy appointments.
NYSHIP is the New York state health insurance program for New York State public employees comprising. Under NYSHIP, eligible employees can choose to be covered by The Empire Plan or an NYSHIP HMO (Health Maintenance Organization).
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, NYSHIP may have more limited coverage options for common life problems like couples and marriage counseling, career coaching, and general relationship issues.
Tips to find therapists and counselors who take NYSHIP
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.
For starters, you can check out all the therapists who accept NYSHIP.
You can also 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.