Insurance 101
Health insurance covers therapy — but understanding what you’ll actually pay takes a little digging. Here’s how coverage works and how to make the most of your plan.
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Insurance
Health insurance plays a major role in how many people access mental health care. This guide explains the basics of insurance coverage for therapy and behavioral health services, including common terms, costs, and how to understand your benefits. You’ll also find detailed overviews of major insurance providers and the mental health services they offer, helping you better navigate your options and choose coverage that fits your needs.
Choosing a plan
Not all insurance plans make therapy easy to access or afford. Here’s what to look for when comparing plans so your mental health care doesn’t fall through the cracks.
Verifying coverage for therapy
Most insurance plans cover therapy — but the specifics depend on your plan. Here’s how to verify your benefits, understand your costs, and find a therapist who takes your insurance.
When insurance doesn’t cover it
No insurance? That doesn’t mean no therapy. From sliding scale fees to community clinics and EAPs, here’s how to access affordable mental health care without coverage.
Insurance and privacy
A clear guide to coverage, HIPAA, and what stays between you and your therapist.
Insurance plans
A payor is the entity — insurance company, employer, or government program — that helps cover the cost of your care. Here’s how insurance coverage for therapy actually works.