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Can you use insurance for online therapy?

In a digital world, telemedicine has become much more popular and convenient. Gone are the days when barriers such as transportation, physical limitations, and other hurdles prevented treatment. Now, you can receive telemedicine services wherever you are, without sacrificing quality.

One type of telemedicine service many individuals have turned to is addiction treatment. Addiction is a disease that consumes the whole person; therefore, it’s essential to treat the whole person. Part of effective addiction treatment includes online therapy. In fact, one study found that online therapy doesn’t just deliver successful treatment; it also costs significantly less than face-to-face options over the course of a year.

As we navigate this newer, more convenient way of receiving treatment, the question of insurance arises: Can you use insurance for online therapy?

Much like with any other treatment, insurance coverage depends on your insurance carrier. Due to the COVID-19 pandemic, many insurance companies saw a huge increase in therapists moving to online-only therapy. Because online therapy is much more convenient, many people prefer it – meaning many insurance carriers needed to provide clear instructions on coverage.

There are a few things to consider with how much online therapy may cost. Insurance coverage for all telemedicine services depends on federal and state laws, as well as different insurance companies and their policies. Luckily, state legislatures and private health insurance providers now recognize the importance of telemedicine and are looking at various ways to reduce costs while also keeping patients healthy.

There’s no quick and easy answer to whether your health insurance plan will cover online therapy and/or addiction treatment. The law doesn’t require all health plans to include online therapy as a covered benefit.. The good news is many companies that aren’t governed by the Affordable Care Act, or the Mental Health Parity Act, still choose to provide mental health coverage for their employees.

Still, it can be confusing to navigate health benefits. You may want to call your health insurance company and ask them:

  • Are there specific mental health services/therapists that my health insurance plan doesn’t cover? What about addiction treatment services?
  • Am I covered for therapy/therapists if I have a pre-existing condition?
  • Can I work with a specific therapist if they are based out-of-state?
  • What is the privacy policy/terms of service for these mental health services/therapists?
  • Is there a limit on how many therapy sessions my health plan covers per year?
  • Do I have a deductible to pay before my health plans cover services under my health insurance plan?
  • Am I responsible for a copay? How much is it?
  • Do I need a referral from my primary care doctor for a therapist?

Addiction treatment should always be accessible and affordable – that’s why Recovery Centers of America is in-network with many insurance providers.

Even if your insurance isn’t in-network, we can still help with the cost of treatment. You can read more about the cost of treatment, including what you may be financially responsible for, or call us at 855-408-1050 to learn more about your specific coverage and potential co-pays or deductibles.

We know this is a lot of information to digest, especially when you or a loved one may be suffering from an addiction. We’re here to help. Call us any time, day or night, and we will answer!

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