Does The Empire Plan Cover Mental Health?

Yes, nearly all Empire Plan insurance plans cover mental health and behavioral health.  Here's how to find Empire Plan mental health providers.

You can quickly see all therapists and counselors who take The Empire Plan in your area, and book appointments online for in-person or telehealth therapy sessions. 

NYSHIP Empire Plan mental health coverage

The Empire Plan is a New York State Health Insurance Program (NYSHIP) health plan. for New York State's public employees and employers. The Empire Plan pays for covered hospital services, physicians' bills, prescription drugs and other covered medical expenses.

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, The Empire Plan may have more limited coverage options for common life problems like couples and marriage counseling,career coaching, and general relationship issues.

Tips to find NYSHIP Empire Plan mental health providers

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.

And remember, the Monarch Directory by SimplePractice makes it easy for you to find the right therapist for your needs.

For starters, you can browse all the therapists who accept The Empire Plan. 

You can also browse therapists and counselors based on the insurance providers they accept.

Being curious about counseling and mental health support is the first step. Here’s more info about therapy and mental health concerns as you continue your wellness journey.