Couples Counseling and Insurance
We Are In-Network with Blue Cross Blue Shield PPO. We provide complimentary billing for all other out-of-network insurance companies.
This page will answer some questions you may have about insurance reimbursement for couples counseling.
If You Choose to Use Your BCBS PPO Benefits
For the service to be covered by Blue Cross Blue Shield PPO:
- Linda, our intake counselor, will verify your benefits, deductibles and copay.
- The counselor at CCA will bill your insurer directly for the services. You will be responsible for deductibles and co-pays.
- You many want to know how many sessions of counseling will be covered under your plan, per plan year.
Caution: Even though you may have BCBS PPO for medical coverage, some BCBS plans are contracting with third party providers for their mental health coverage.
If You Have Coverage with Another Company
Below you will find instructions on how to request reimbursement if you use someone outside of your network.
If you pick a counselor who is not a provider in your network, and you would like to get some reimbursement, you can ask Linda to verify your benefits. We offer complimentary billing for out of network insurance companies.
Your insurance company has the rate of reimbursement for utilizing an out of network provider of services under your outpatient mental health services benefits. Some of our clients have very good out of network provider benefits. Many companies reimburse well for their out of network provider services. They may not reimburse you for the entire amount, but you may be able to get a substantial portion back, depending on your out of network benefits for outpatient mental health services. We will bill your insurance company and you will get reimbursed.
Request that your counselor provide you with a bill or statement for the services and submit with a copy of your medical card. Submit the statement directly to your insurance company for reimbursement. The company will reimburse you directly.
You could also use your Medical Service Account or the Flexible Spending Account debit card for your couples counseling services. You will not be reimbursed, but at least you can use the payment to your couples counselor toward the total amount you selected for a given plan year.
Caution: If you are covered by an HMO plan, you may not get reimbursed for using an out of network provider. Be sure to check with your insurance provider.
What are the Benefits of Using Insurance?
The most obvious benefit is that the out-of-pocket cost of the services is lower for the client.
Clients sometimes utilize the services for a longer period of time, without worrying too about out of pocket costs.
The CCA counselor bills the company directly, and clients only pay the copay. Clients don’t have to deal with the bureaucracy, the counselor does.
What are the Drawbacks of Using Your Coverage to Pay for Mental Health Services?
- Patient privacy cannot be guaranteed
- One member of the couple may be issued a mental health diagnosis
- There is less flexibility. Insurance only pays for a 50-60 minute session. Sometimes couples benefit from longer, intensive sessions.
- Many experienced couples counselors do not want to be associated with certain companies that have a very low rate of reimbursement.
Expert counseling focused on couples issues may cost more, but will provide you with freedom from medical diagnosis and flexibility of formats.
Why Expert Couples Counseling Matters
Think of couples counseling as a service in the same way that you think of any other professional service: You want to find a provider that specializes in helping couples to improve their relationship. Not all counselors have the training and experience to help couples in distress.
Watch a one minute video below about what couples counseling and car maintenance have in common.