Blue Cross Blue Shield & Therapy: Frequently Asked Questions (FAQs)
Does BCBS cover therapy?
Most BCBS plans include coverage for outpatient mental health services, including individual therapy. Coverage details depend on your specific plan.
Do all BCBS plans work the same way?
No. BCBS is a network of independent plans. Benefits vary based on:
PPO vs. HMO structure
Employer-based vs. individual plans
State-specific BCBS carriers
Always verify your own benefits directly.
What does “in-network” mean?
An in-network provider has a contract with your insurance plan, typically resulting in lower out-of-pocket costs compared to out-of-network care.
Will I have a copay or deductible?
Possibly. Many plans require:
A copay (flat fee per session), or
Coinsurance (a percentage of the session fee), or
Meeting a deductible before coverage applies
Is telehealth therapy covered by BCBS?
Many BCBS plans include coverage for telehealth therapy, though coverage can vary. It’s important to confirm this directly with your plan.
Do I need a referral from my primary care doctor?
Most PPO plans do not require a referral. Some HMO plans do. This depends entirely on your plan design.
How many therapy sessions does BCBS cover?
Some plans have session limits, while others do not. Ask your insurer whether there is:
A yearly session cap
A requirement for ongoing authorization after a certain number of visits
Can CARE Counseling help me verify my benefits?
Yes. Our administrative team can assist with insurance verification and help you understand how your BCBS benefits apply to therapy services.
Our Commitment to You
At CARE Counseling, we know navigating insurance can feel overwhelming—especially when you’re already seeking support. Our goal is to make the process as transparent and supportive as possible so you can focus on what matters most: your mental health and wellbeing.
Ready to get started?
Contact CARE Counseling today to schedule an appointment or request insurance verification. We’re here to help every step of the way.
