How to Get Depression Counseling Covered by Insurance
- clytenjeri
- Nov 23
- 2 min read
Learn how to get depression counseling covered by your insurance, understand what plans include, and discover simple steps to reduce out-of-pocket costs for therapy.
How to Get Depression Counseling Covered by Insurance
Navigating mental health care can feel overwhelming—especially when you’re unsure whether your insurance will cover depression counseling. The good news is that most insurance plans now include mental health benefits, thanks to the Mental Health Parity and Addiction Equity Act. But knowing what’s covered, how to qualify, and how to reduce costs can make a huge difference in accessing the support you need.
In this guide, you'll learn exactly how to use insurance for depression counseling and how to minimize or even eliminate out-of-pocket expenses.
1. Check What Your Insurance Plan Covers
Start by reviewing your plan’s mental health benefits. Look for:
Behavioral health coverage
Outpatient mental health services
Psychotherapy or counseling
Teletherapy or virtual counseling sessions
If you’re unsure, call the customer service number on your insurance card and ask: “Is depression counseling covered under my plan, and what are my costs?”
2. Verify In-Network vs. Out-of-Network Providers
Insurance plans typically offer better coverage when you see in-network therapists. In-network benefits include:
Lower copays
Lower deductibles
No need to submit your own claims
Out-of-network providers may offer reimbursement, but you may need to pay upfront and wait for reimbursement
.
3. Understand Your Out-of-Pocket Costs
Before booking a session, clarify:
Copay per session
Deductible amount
Session limits (if any)
Prior authorization (some plans require this before therapy starts)
4. Ask the Right Questions When Choosing a Therapist
When contacting a potential provider, ask:
“Do you accept my insurance?”
“Do you specialize in depression counseling?”
“Do you offer telehealth sessions?”
Some therapists also offer sliding scale fees in case insurance doesn’t cover everything.
5. Consider Teletherapy for Better Coverage
Many insurance companies cover online therapy, often at lower rates or even with no copay. Teletherapy can be especially helpful if:
You live in a rural area
You need flexible scheduling
You want privacy or convenience
6. Use Employee Assistance Programs (EAPs)
If your workplace offers an Employee Assistance Program, you may receive 3–6 free counseling sessions before insurance benefits are used.
7. What to Do if Insurance Denies Coverage
If your claim is denied:
Request a written explanation of benefits (EOB)
Ask your therapist to provide documentation
File an appeal (most denials are overturned when appealed)
8. How to Find Depression Counselors Who Accept Insurance
Here are reliable places to search:
Your insurance company’s provider directory
Psychology Today therapist directory
Zencare learn more
Alma learn more
Jabali Behavioral Health: learn more
Personalized Care and Insurance Support at Jabali Behavioral Health
At Jabali Behavioral Health Nursing, Veronica Kamau, PMHNP offers compassionate, integrative care combining therapy, medication management, nutrition, and supplements to help clients with depression feel empowered and supported. The practice understands the complexities of mental health insurance and assists clients with navigating coverage and reimbursement processes, ensuring access to needed care. learn more
Taking the first step is easier when you understand how insurance works for depression counseling. Check your benefits, choose a trusted provider, and start your journey to a brighter mental health future with confidence.
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