Does NYSHIP Cover Mental Health?

Yes, nearly all NYSHIP insurance plans cover mental health and substance abuse. If you're looking for NYSHIP mental health providers—this is a quick and easy way to find the counselors and mental health professionals who take your insurance.

Here's how to find NYSHIP mental health providers, including therapists who accept NYSHIP in your area.

You can even book sessions online for in-person sessions or telehealth therapy appointments. 

NYSHIP mental health coverage

NYSHIP is the New York state health insurance program for New York State public employees comprising. Under NYSHIP, eligible employees can choose to be covered by The Empire Plan or an NYSHIP HMO (Health Maintenance Organization).

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, NYSHIP may have more limited coverage options for common life problems like grief and loss, couples and marriage counseling, career counseling, and general relationship issues. 

Tips to find NYSHIP mental health providers

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 view NYSHIP mental health providers and therapists.

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.