Yes, nearly all NYSHIP insurance plans cover therapy. Here's how to find a therapist, counselor, or mental health professional who takes NYSHIP insurance.
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.
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.