Going to marriage counseling is an excellent, proactive action to resolve your relationship issues or explore your attachment styles. Unfortunately, insurance coverage does not traditionally include marriage counseling because relationship problems are not an actual mental health diagnosis. But that does not have to stop you from getting help with relationship issues or developing a healthier relationship with your spouse. Here are some creative ways to use your benefits for marriage counseling.
In this situation, you or your spouse uses individual benefits to cover therapy costs, but instead of individual sessions, the provider will bill them as family sessions. The advantage of coding sessions under family counseling is that out-of-pocket expenses are usually lower when you are only responsible for a copay. However, there are numerous drawbacks to this approach, including:
This scenario uses health insurance to cover counseling services. Because you are alternating session coverage, it balances the financial burden between spouses. One benefit of this method is that your treatment may be longer because you have both health insurances covering visits. In addition, you will have lower out-of-pocket costs since you are only responsible for copays. But, again, there are some drawbacks to alternating plans to cover marriage counseling in Orlando, like:
You can receive marriage therapy sessions under insurance coverage when you or your partner have a mental health diagnosis. For example, if you have been diagnosed with adjustment disorder, anxiety, or depression. You can use your health insurance to cover marriage counseling as part of your treatment plan. One benefit of this strategy is that your out-of-pocket costs are lower after meeting the deductible if you use an in-network provider. In addition, it is usually easier to track coverage when it is all in one place. However, as with the previous situations, there are drawbacks to keep in mind:
Heather Oller is the owner and founder of Orlando Thrive Therapy, Coaching, and Counseling. She is a licensed counselor and a family mediator who has over 23 years of dedicated work as a professional in the mental health field. Through her company's mission, she continues to pave the way for future therapists, and their clients, who want a higher quality of life....and who want to thrive, rather than just survive. You can contact Orlando Thrive Therapy at 407-592-8997 for more information.