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.
Have Florida Blue?See which therapists are available in your area and what your sessions would cost
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.
Did you know?
Florida has one of the highest rates of mental illness and one of the lowest rates of access to care of any U.S. state, according to Mental Health America’s annual State of Mental Health in America report — consistently ranking among the bottom five states for mental health access. Insurance coverage is one of the most significant levers for improving access in the state.
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:
Individual therapy
Family therapy
Group therapy
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.
How to check your Florida Blue insurance coverage
Here are some simple steps to help you check your Florida Blue insurance coverage:
Gather your insurance information: Grab your Florida Blue Insurance card and any relevant documents.
Reach out to customer service: You can find their number on your insurance card or visit the Florida Blue Insurance website for contact details.
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.
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:
Cost is influenced by policy type and coverage level
Consider potential out-of-pocket expenses like copays or deductibles
Different therapy types may have varying costs (e.g., group therapy vs. one-on-one sessions)
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.
Does Florida Blue cover telehealth therapy?
Does Florida Blue cover telehealth therapy?
Yes. Florida Blue covers telehealth therapy (also called virtual or online therapy) under most plans, typically at the same rate as in-person sessions. This is particularly valuable in Florida, where provider availability varies significantly by region — virtual sessions give you access to a much wider pool of in-network therapists regardless of where you live in the state. On Grow Therapy, you can filter specifically for virtual providers who accept Florida Blue and see who has availability this week. Confirm with Florida Blue directly that telehealth is included under your specific plan before booking.
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.
Deductibles
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.
Copays
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:
Visit the Grow Therapy website
Select your state
Specify your insurance provider as “Florida Blue” in the search filters
Explore the profiles of therapists who accept Florida Blue insurance
Read their bios, areas of expertise, and client reviews to find the right fit
Book an appointment, which can often be as soon as two days out
See which Florida Blue therapists are available in your area.
Enter your Florida Blue plan details on Grow and see in-network therapists with real-time availability — and your exact out-of-pocket cost — before booking anything.
Find a Therapist
Use the filters below to find a therapist that matches your type of care, location, insurance, and needs
Frequently asked questions
Does Florida Blue cover out-of-network therapy?
Does Florida Blue cover out-of-network therapy?
It depends on your specific plan. Some Florida Blue plans include out-of-network benefits, but you’ll typically pay significantly more than you would for an in-network provider — and in some cases the full cost. Check your summary of benefits or call the member services number on your insurance card to understand your out-of-network coverage before booking.
Do I need a referral to see a therapist with Florida Blue?
Do I need a referral to see a therapist with Florida Blue?
Most Florida Blue plans do not require a referral for outpatient mental health services, but this varies by plan type. HMO plans are more likely to require one than PPO plans. The fastest way to confirm is to call the number on the back of your insurance card and ask specifically about outpatient behavioral health services.
Does Florida Blue cover couples therapy?
Does Florida Blue cover couples therapy?
Generally no — like most commercial insurance plans, Florida Blue typically does not cover couples or marriage therapy because coverage requires a diagnosable mental health condition tied to an individual. In some cases, sessions may be covered if one partner has a documented diagnosis and the therapy is deemed medically necessary for that individual’s treatment. Confirm with Florida Blue directly before booking.
Can I use Florida Blue for telehealth therapy?
Can I use Florida Blue for telehealth therapy?
Yes. Florida Blue covers telehealth therapy under most plans at the same rate as in-person sessions. On Grow, you can filter for virtual providers who accept Florida Blue and book directly without leaving home.
About Derek Lee
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.
