Which insurances pay therapists the most?
Asked by: Jonathan Hoppe Sr. | Last update: March 20, 2025Score: 4.3/5 (2 votes)
How do therapists get paid by insurance?
In simple words, a covered patient comes to see you for therapy services: you provide care services, prepare a bill, and submit an insurance claim for therapists to their health insurer, and the insurer reimburses you.
Does Blue Cross Blue Shield reimburse for therapy?
Does Blue Cross Blue Shield cover therapy? Yes, the vast majority of Blue Cross Blue Shield plans cover therapy.
How much is a 60 minute therapy session?
Even if you don't have benefits that cover mental health services, Talkspace is still more affordable than most in-person therapy. The average cost of a traditional in-person therapy session is $175 - $500 per session — a big departure from our plans!
Does 90839 pay more than 90837?
Reimbursement tip: The crisis psychotherapy code 90839 will fetch you better reimbursement than 90837 (Psychotherapy, 60 minutes with patient and/or family member).
What US Insurance Companies Aren’t Telling You | Informer
What insurance has the best mental health coverage?
UnitedHealthcare takes our spot for the best overall mental health coverage primarily because of its comprehensive approach. With UnitedHealthcare, you have access to 24/7 treatment and support through a wide range of online, virtual and mobile tools.
How many therapy sessions does United Healthcare cover?
With United Healthcare plans, there are no restrictions on the number of therapy sessions you can attend. As long as your United Healthcare coverage is active and your visits are medically necessary, you can see an in-network UnitedHealthcare therapist on a weekly basis.
How to find a therapist covered by insurance?
You can access an online directory of insurance companies or see a list of all the providers in your network on your insurance's website. You can also call your insurance company to determine if a therapist is in-network. It's important to consider your needs before deciding who you want to work with.
How much does Aetna pay for therapy?
Most people who are insured by Aetna will either be fully covered by their plan, or have to pay a small copay amount. For most clients, the average cost of Aetna for therapy is $0 – $60 per session, after the deductible has been met.
Does Anthem Blue Cross PPO cover therapy?
Yes, Anthem Blue Cross and Blue Shield does cover therapy services. However, the amount of the therapy cost they cover depends on your unique health insurance plan.
Do I have to pay deductible for therapy?
Most mental health plans have either a copay or a deductible. If you have a copay plan, this means you pay a set amount each time you have an appointment. For example, if your plan's copay is $40, you will pay $40 per session, and your insurance will cover the remainder of your balance.
How long does it take for insurance to pay a therapist?
In most cases, it will take at least 30 days from the date the insurer receives a claim to when your mental health practice will receive reimbursement. Some insurers move faster, with turnaround times of two to three weeks, but, as a rule, 30 days is what most practices can expect.
Are private pay therapists better?
Opting for private pay can enhance the confidentiality of your therapy experience. You won't need to sign waivers allowing your therapist to share your records with your insurance company, protecting your privacy. Private pay arrangements often offer greater flexibility in terms of session duration and frequency.
Can you see two therapists at once with insurance?
Yes you can. The challenge (and the reason most people don't do it) comes from two aspects: Some insurance have limits on how often you can use the behavioral health benefits, which could limit people's ability to see more than one therapist. Psychologically, it could be confusing and/or overwhelming.
What is the 8 minute rule for UHC?
8-Minute Rule Basics
(This rule also applies to other insurances that have specified they follow Medicare billing guidelines.) Basically, a therapist must provide direct, one-on-one therapy for at least eight minutes to receive reimbursement for one unit of a time-based treatment code.
Why does United Healthcare not cover therapy?
Therapy UnitedHealthcare Doesn't Cover
UnitedHealthcare may not cover some types of therapy, including: Therapy that is not considered medically necessary, such as therapy for common life problems like grief and loss, couples and marriage counseling, career counseling, and general relationship issues.
Is BetterHelp covered by insurance?
Unfortunately, BetterHelp is not covered by any insurance provider. However, BetterHelp offers financial aid for which you can contact their customer success team. If you seek providers covered by your insurance, you can get the member line on the back of your insurance card.
Does Blue Cross Blue Shield pay for mental health?
In general, most BCBS plans cover some level of mental health, behavioral health, and therapy services. A law passed in 2014 under the Affordable Care Act requires certain health plans to cover mental health services and substance use disorder treatment in the same way that they cover physical health conditions.
Why is mental health not covered by insurance?
The parity law does not require insurers to provide mental health benefits—rather, the law states that if mental health benefits are offered, they can't have more restrictive requirements than those that apply to physical health benefits.
How to bill for a 2 hour therapy session?
How do you bill a 2-hour therapy session? For a 2-hour therapy session, you can use 90837 CPT code for the first 60 minutes and 90838 CPT code for each additional 30 minutes. This method adheres to standard therapy billing units and ensures appropriate compensation for extended sessions.
How do you justify 90837?
To bill 90837, you must have clear documentation showing the medical necessity for the extra time. Be sure to document things like: The start and end times of the actual session. The issues, topics, and goals addressed and discussed during the session.
What is the reimbursement rate for 90837?
Therapists use this code when providing extended therapy services to their patients. Just like CPT Code 90834, the reimbursement rate for CPT Code 90837 may vary depending on the payer, location, like in New York the reimbursement rate for CPT code 90837 is $144.83.