Florida Blue Therapy Coverage: What You Need to Know

Taking care of your mental health is crucial for your overall well-being. Our mental health goes through ups and downs, and many of us encounter stress, anxiety, and depression, among other common mental health concerns. It might seem overwhelming trying to find the right therapist, but don’t let uncertainties about insurance stop you from finding […]

derek lee grow therapy By Derek Lee, VP of Insurance Operations

Updated on Feb 27, 2024

x icon linked-in icon facebook icon instagram icon

Taking care of your mental health is crucial for your overall well-being. Our mental health goes through ups and downs, and many of us encounter stress, anxiety, and depression, among other common mental health concerns. It might seem overwhelming trying to find the right therapist, but don’t let uncertainties about insurance stop you from finding the one that’s perfect for you.

In this article, we’ll introduce you to Florida Blue insurance coverage and its comprehensive benefits for behavioral health therapy services. Our goal is to simplify insurance terms and help you find a therapist who fits your needs.

Is Mental Health Coverage Included in Florida Blue’s Insurance Plans?

Florida Blue understands the importance of mental well-being and provides comprehensive coverage for mental health services. According to the American Psychiatric Association, about 37% of Americans rate their mental health as only fair or poor, highlighting the need for accessible mental health care.

When it comes to coverage for mental health services, it’s important to note that it may vary depending on your specific policy and plan with Florida Blue. However, many of their policies include coverage for therapy sessions with social workers, mental health counselors, licensed therapists, or psychiatrists. This means you can receive the treatment you need from qualified professionals.

In addition to therapy, Florida Blue also covers outpatient, inpatient, and telehealth treatment programs for individuals facing addiction or other mental health conditions. This ensures you have access to a range of treatment options, allowing you to find the most suitable approach for your needs.

What Therapy Services Florida Blue Covers 

Florida Blue offers coverage for a diverse range of therapy options that are beneficial for mental health. The specific therapies covered may differ based on your insurance plan, which may include the following:

What Florida Blue Doesn’t Cover

Florida Blue covers a wide range of therapies and behavioral health services. But it’s important to check your health plan to see if there are any limitations or things that aren’t covered. Typically, insurance won’t cover treatments that aren’t backed up by scientific evidence, like hypnotic therapy, for instance.

Contact Florida Blue or look at your insurance policy documents to get more information about the specific therapies or treatments that might not be covered. This way, you can make sure you understand what’s included in your policy and make the best choices for your mental health care needs.

Therapy covered by insurance

Get started

How to Check Your Florida Blue Insurance Coverage

Here are some simple steps to help you check your Florida Blue insurance coverage:

  1. Gather your insurance information: Grab your Florida Blue Insurance card and any relevant documents.
  2. Reach out to customer service: You can find their number on your insurance card or visit the Florida Blue Insurance website for contact details.
  3. Ask about mental health coverage: Ask specifically about mental health services and therapy coverage. Feel free to share the type of therapy you’re interested in. Everything is confidential.
  4. Check the details: Find out all the important information, like deductibles, copayments, and any limitations that might apply. 

To ensure you have the most accurate and up-to-date information about your coverage, it’s recommended to review your specific insurance policy and directly communicate with your insurance provider. 

How Much Does Therapy Cost With Florida Blue Insurance?

It’s important to understand the factors that can influence the amount you’ll pay:

Discussing the available therapy options with your healthcare provider can help you make an informed decision based on your budget and needs. By considering these factors, you can gain a better understanding of the potential costs associated with therapy under your Florida Blue insurance plan.

In-Network vs. Out-of-Network

In-network providers have agreements with your insurance company, offering discounted rates for their services. This means that when you visit an in-network provider, you typically pay less for your care.

On the other hand, out-of-network providers don’t have contracts with your insurance company. As a result, if you receive care from an out-of-network provider, your insurance may not cover the full cost. In such cases, you might be responsible for a larger part or even the entire bill.


A deductible is the amount you must pay for certain healthcare services covered by your insurance plan, such as mental health therapy. Before meeting the deductible, you are responsible for the full cost of each therapy session. Once the deductible is met, your insurance will start paying either all or part of the therapy costs.

For example, let’s say your insurance plan has a $500 deductible and each therapy session costs $120. Until you reach the deductible, you will pay the full $120 for each session. However, after meeting the deductible, if your insurance plan covers 80% of the therapy costs, you would be responsible for the remaining 20%.

This is just an example; you’ll need to check your plan to see your specific deductible information.


A copay, also called a copayment, is a set amount that you have to pay for certain services covered by your insurance plan. Typically the copay applies regardless if you’ve reached your deductible or not, but please check your specific plan benefits to confirm if you have a copay and how it works.

For instance, if your insurance plan has a $30 copay for each therapy session, you would pay $30, while your insurance would cover the remaining therapy costs.

How to Find a Therapist Who Accepts Florida Blue

Addressing your mental health concerns is crucial, given the World Health Organization’s estimates that 5% of adults worldwide have been diagnosed with depression. If you have Florida Blue insurance and are looking for a mental health professional who accepts your insurance, we’ve got you covered.

To find a therapist who accepts Florida Blue insurance, follow these simple steps:

  1. Visit the Grow Therapy website
  2. Select your state
  3. Specify your insurance provider as “Florida Blue” in the search filters
  4. Explore the profiles of therapists who accept Florida Blue insurance
  5. Read their bios, areas of expertise, and client reviews to find the right fit
  6. Book an appointment, which can often be as soon as two days out


If you or your loved one is seeking therapy and have Florida Blue insurance coverage, you’re already on the path to better mental health. Remember, getting started can be the hardest part, but you don’t have to do it alone. With Grow Therapy by your side, we’ll help you find the perfect therapist who can develop a personalized treatment plan made just for you.

Therapy can help you feel better about your future and get your life back on track. Take the first step today and visit our website to learn more. Let us support you on your wellness journey.

Frequently Asked Questions

About the author
derek lee grow therapy Derek Lee, VP of Insurance Operations

Derek Lee is Grow Therapy's Vice President of Insurance Operations, overseeing payor relations and success, credentialing and enrollment, new payor launch, revenue cycle management and billing, and insurance operations data analytics.

This article is not meant to be a replacement for medical advice. We recommend speaking with a therapist for personalized information about your mental health. If you don’t currently have a therapist, we can connect you with one who can offer support and address any questions or concerns. If you or your child is experiencing a medical emergency, is considering harming themselves or others, or is otherwise in imminent danger, you should dial 9-1-1 and/or go to the nearest emergency room.

x icon linked-in icon facebook icon instagram icon