Emblem Health | Mental Health Insurance Coverage — Zencare

Emblem Health for Therapy

EmblemHealth is a large health insurance company that insures over 3 million residents of the East Coast. They began with a strong focus on community health in New York City and from that background, they maintain dedication to providing mental health services for their members — including therapy! EmblemHealth provides health insurance plans for individuals, families, companies of all sizes, as well as Medicare and Medicaid plans.

Does EmblemHealth cover therapy?

Yes, EmblemHealth covers behavioral and mental health services within their provider network. They have an expansive network of mental health professionals across the tristate area that comprise their in-network provider group.

How much of your therapy costs EmblemHealth covers, however, depends on the plan that you have. Many of the EmblemHealth plans cover a portion of the therapy session fee but not all of it. Many EmblemHealth participants are required to pay a copayment for each session with a therapist.

EmblemHealth does not cover therapy services with providers outside of their network — there are no out-of-network benefits, which means that members who hope to begin therapy will typically find it most cost-effective to work with a therapist in-network with EmblemHealth.

How do I check if my EmblemHealth plan covers therapy?

To check if your EmblemHealth plan covers therapy, read through your Summary and Benefits document. Look for the line that includes “outpatient mental health care.” This line will tell you the amount of the session fee for which you’ll be responsible.

Example Emblem Health Summary of Benefits, with Outpatient Mental Health section highlighted.

Generally, insurance companies post the Summary and Benefits document within their online portals. If you’re not able to locate this document, find the customer service number on the back of your insurance card. The customer service agent will either point you in the right direction of where to find your mental health benefits or share with you the amount of coverage you have under your plan.

How much does therapy cost with the EmblemHealth plan?

Across the majority of EmblemHealth plans, expect to pay a copayment of around $50 each therapy session for in-network providers. This means that each time that you have a therapy session, you will pay your therapist $50 out-of-pocket. This cost does not account towards your deductible.

The cost of therapy under EmblemHealth varies based on the participant’s enrollment. EmblemHealth offers many different plan options, including employer-sponsored, Medicare, and Medicaid plans. On top of this, they have HMO plans as well as PPO plans. Because EmblemHealth insurance covers more than one state, your plan will also vary by your location. All of these factors contribute to a wide range of therapy coverage.

If you see a therapist who is not a member of the EmblemHealth provider network, you will not have coverage and should expect to pay the full session cost out-of-pocket. This could range from $50 - $250 or more.

If you’re concerned about paying for therapy, ask your therapist about sliding scale options. If your therapist offers sliding scale payments, you may be eligible to pay a lowered fee per session.

What types of mental health conditions does EmblemHealth cover?

EmblemHealth mental health benefits include treatment for the following mental health conditions and more:

When you start therapy with an EmblemHealth in-network therapist, they will designate a diagnosis for your condition or goals. They’ll share this diagnosis with the insurance company to ensure coverage. This is essential for coverage of your therapy sessions. If you would prefer that your therapist doesn’t disclose your diagnosis with EmblemHealth, consider your out-of-network options. This way, your mental health care stays between you and your therapist — not the insurance company and anyone who has access to your insurance account information.

What types of therapy does EmblemHealth cover?

EmblemHealth covers many different evidence-based therapy approaches and modalities. This includes but is not limited to:

In order to provide coverage for treatment, EmblemHealth requires that therapists provide diagnosis-based therapy appropriate for the mental health diagnosis. Many therapists blend their approaches while meeting with clients. As long as the therapist meets all of the EmblemHealth requirements, they are eligible for reimbursement.

What types of therapy does EmblemHealth NOT cover?

If a therapy approach is not evidence-based — that is, has empirical research backing its efficacy — EmblemHealth will not cover therapy costs.

This includes life coaching and career coaching, as these disciplines are less based on the mental health literature and more on goal-setting and achievement. EmblemHealth does not cover holistic approaches to treatment such as aromatherapy, massage therapy, or nutritional therapy. They also do not cover hypnosis, ketamine, and psychedelic treatments, even if the purpose of this treatment is for a mental health condition.

Does EmblemHealth cover online therapy?

Yes, EmblemHealth covers online therapy. As more therapists offer both in-person and online options, EmblemHealth recognizes the importance of accessible mental health treatment. While EmblemHealth may require the therapist to follow certain policies — such as using a secure video platform — clients can see their in-network therapists online instead of in the office without a change in their cost. This means that you’ll pay the same amount to see your therapist online as you would in-person.

Does EmblemHealth cover couples therapy?

Some EmblemHealth plans offer coverage for couples counseling, but not all of them. One of the reasons for this is because there is no diagnosis within couples’ sessions, which makes the services ineligible for reimbursement.

However, some plans do have couples counseling as a benefit, and there are also many ways to make couples sessions more affordable. This opens the door for you and your partner or partners to work with a high-quality couples therapist and grow your relationships.

Do I need to see my primary care doctor before starting therapy?

Depending on your EmblemHealth health insurance plan, you may need to receive a referral from your primary care physician before you begin seeing your therapist. For all EmblemHealth plans that are HMO, you will need to visit your primary care physician and share your interest in mental healthcare. This is a quick and common process that should not be a major roadblock in your therapy journey!

If you have a PPO or an EPO EmblemHealth plan, then you won’t need a referral before you begin therapy. You can start your search for a great fitting therapist when you’re ready!