Lesley University Student Health Insurance I Mental Health Insurance Coverage — Zencare

Lesley University Student Health Insurance for Therapy

Lesley University offers its students a diverse range of academic and social focuses. They understand that health and wellbeing is central to success as a student, which is one reason why Lesley University requires all students to have health insurance while enrolled. Because of this requirement, they offer a health insurance plan through Blue Cross Blue Shield, a major health insurance company that provides coverage for millions of people across the country. This plan is available through the Gallagher Student Health & Special Risk program. This student health plan offers students many benefits for mental health services including therapy.

Does the Lesley University student health insurance cover therapy?

Yes, the Lesley University student health plan provides coverage for therapy services. Lesley University believes that student wellbeing includes an emphasis on mental health, therefore it makes mental health services accessible for all. The Lesley University student health plan includes coverage for seeing both in-network and out-of-network therapists. This plan uses the Blue Cross Blue Shield provider network, as Lesley University partners with Blue Cross Blue Shield for its healthcare insurance policy. This comes through a Blue Cross Blue Shield partner Gallagher Student Health & Special Risk.

To use these benefits, you may need pre authorization from Blue Cross Blue Shield. If this is the case for your specific needs, Blue Cross Blue Shield will authorize a certain number of therapy visits that they’ll cover. To learn if pre authorization is required for you, read your plan’s information on mental health services.

How do I check if my Lesley University student health insurance plan covers therapy?

To check if your Lesley University student health plan covers therapy services, head over to your Summary and Benefits document. Within the policy documents section, you’ll find the Summary and Benefits document. This document shows the different rates of coverage — including copayment amounts — for each type of service available. Look for the line that includes “mental health” or “behavioral health” for outpatient services to see your coverage for therapy.

Example Blue Cross Blue Shield Student Health Insurance Summary of Benefits, with Outpatient Mental Health section highlighted.

If your Summary and Benefits document does not share this information with you, give the phone number on the back of your insurance card a call. The Lesley University student health plan customer service department will share with you the coverage available to you through your specific university’s plan. You’ll also find this document through the Gallagher Student Health & Special Risk website.

How much does therapy cost with the Lesley University student health insurance?

Therapy with the Lesley University student health plan will cost $25 each session with in-network therapists. This is your copay (or copayment) amount. For therapy with out-of-network therapists, you’ll be responsible for a 20% coinsurance. This means that if your therapist charges $100 per session, you’ll pay $20. If they charge $250 per session, you’ll pay $50.

It’s most cost-effective to meet with a therapist that is in the Blue Cross Blue Shield network. The Blue Cross Blue Shield network includes thousands of great providers, which means you have the opportunity to find the therapist that’s right for you.

This cost may change across school years. To find the most accurate information on therapy costs, refer to your specific plan’s Summary and Benefits document.

What types of mental health conditions does the Lesley University student health insurance cover?

The Lesley University student health plan covers many mental health conditions, including those that are common in the student population. Blue Cross Blue Shield requires that each client receives a diagnosis from their therapist for reimbursement purposes. This diagnosis guides treatment and insurance coverage.

Examples of eligible mental health conditions include:

There are many more diagnosable — and reimbursable — mental health conditions, all of which the Lesley University student health plan covers.

What types of therapy does the Lesley University student health insurance cover?

The Lesley University student health insurance covers many different types of therapy provided by credentialed professional therapists. As long as your therapist provides an evidence-based, clinically rigorous therapy modality that is appropriate for the given diagnosis, you’ll receive coverage.

These evidence-based therapy modalities include, but are not limited to:

Often therapists blend their therapy approaches. As long as they meet Blue Cross Blue Shield’s requirements, their services are eligible for reimbursement.

What types of therapy does the Lesley University student health insurance NOT cover?

The Lesley University student health insurance only provides coverage for therapy costs associated with services that are evidence-based. This means that all treatment modality needs to have empirical research backing its efficacy.

The Lesley University student health plan does not cover life coaching and career coaching, as these disciplines are less based on evidence and are more reliant on goal-setting and achievement outcomes. There is also no coverage for holistic approaches to treatment like aromatherapy, massage therapy, reiki healing, or nutritional therapy. They also do not cover ketamine, psychedelic, or hypnosis treatments, even if the purpose of this treatment is for a mental health condition.

Does the Lesley University student health insurance cover online therapy?

Yes, the Lesley University student health plan offers coverage for online therapy. This opens the doors for many clients who aren’t able to physically attend therapy sessions each week, whether for a physical limitation or because of the constraints of a busy student schedule.

Your coverage for therapy costs will remain the same, whether you visit your therapy in-person or online. This includes the same copayment rates.

Does the Lesley University student health insurance cover couples therapy?

No, the Lesley University student health plan does not provide coverage for couples therapy. Often, health insurance companies do not have mental health benefits for couples because of the lack of a reimbursable diagnosis, so it is not uncommon for this health insurance plan to deem couples therapy ineligible.

However, you can find couples therapy services through the Lesley University Counseling Center.

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

No, you do not need to see your primary care physician before starting your search for an excellent therapist. This is because the Lesley University student health plan is a PPO, meaning you do not need a referral for specialist services.

So when you’re ready to start your mental health journey, you’re all set with therapy coverage!