Does Blue Cross Cover Therapy?
Yes, nearly all Blue Cross insurance plans cover therapy.
Here's how to see all the therapists who accept Blue Cross in your area, and book sessions online for in-person or telehealth therapy appointments.
Blue Cross therapy coverage
Under the Affordable Care Act (ACA), mental and behavioral health treatment must be covered as essential health benefits. These include counseling and therapy, as well as inpatient mental and behavioral health care and substance abuse treatment.
Almost all mental disorders, as well as substance use disorders and alcohol and chemical dependency treatment, are covered by all ACA-compliant health insurance.
However, since insurance coverage is based on medical necessity, Blue Cross may have more limited coverage options for common life problems like couples and marriage counseling, career coaching, and general relationship issues.
Tips to find therapists who accept Blue Cross
If you’re looking for a way to find affordable therapy and quality mental health care, here are some tips on how to find affordable, low-cost—and even free—therapy.
First off, you can browse all the therapists who accept Blue Cross.
You can also browse therapists and counselors based on the insurance providers they accept.
The Monarch Directory by SimplePractice can help you find the right therapist for your needs, whether you're experiencing anxiety, depression, ADHD, or other mental health concerns.
Here are more tips to find a therapist who takes your health insurance.