Do Insurance Cover Therapy. Insurance companies require a diagnosis so they can decide if they will pay for therapy or not. Members of phcs health insurance plans have mental health benefits, which vary based on the plan under which they’re enrolled.
If, however, your plan started before 2014 (when the affordable care act was enacted) your plan may not cover therapy. Unfortunately, there are no fast and easy answers to the question of whether your health insurance plan will cover your therapy sessions or mental health services. Massage therapy may be covered: