Loyola University Chicago Student Health Insurance for Therapy
Like many other colleges and universities across the country, Loyola University Chicago requires its full-time students to have a comprehensive health insurance plan. For those who don’t have their own health insurance plans, Loyola University Chicago offers a student health insurance plan through UnitedHealthcare.
Does Loyola University Chicago Student Health Insurance cover therapy?
Yes, the Loyola University Chicago Student Health Insurance covers therapy services. This insurance plan offers its members access to many different types of mental health benefits, including its app HealthiestYou. Using your Loyola University Chicago Student Health Insurance plan means that you’ll save money when it comes to paying for therapy sessions with a mental health professional.
Loyola University Chicago also offers students counseling sessions through their Wellness Center. Students can engage with a counselor employed by Loyola University Chicago at any point during their time, as long as they are residents of Illinois.
How do I check if my Loyola University Chicago Student Health Insurance plan covers therapy?
To check if your Loyola University Chicago Student Health Insurance plan covers therapy, check for the Summary of Benefits document and Certificate through www.uhcsr.com/luc. Within these documents, you can learn more about your benefits by service type. Because these documents tend to be lengthy, complete a search for “mental health.”
How much does therapy cost with my Loyola University Chicago Student Health Insurance plan?
You can access free therapy sessions using a few accessible options when you’re a student at Loyola University Chicago. Using your Loyola University Chicago Student Health Insurance, you have access to HealthiestYou, an app that offers members virtual doctors visits, including therapy sessions. Using this app is free and is a convenient way to affordably engage with a therapist. Students at Loyola University Chicago can also access free counseling sessions at the Wellness Center, however these sessions are limited and may not be a long term option for therapy.
Outside of these options, Loyola University Chicago Student Health Insurance members must reach their deductible before they can receive coverage for their therapy sessions. This means that they will be responsible for paying the full session fee until they reach the amount of their deductible.
What types of mental health conditions does Loyola University Chicago Student Health Insurance cover?
Loyola University Chicago Student Health Insurance covers a wide range of mental health conditions and life situations. Students can work with an experience therapist when dealing with:
When accessing sessions through HealthiestYou or the Wellness Center, you do not need a mental health diagnosis and can meet with a therapist to talk about social pressure, academic stress, missing home, and or any area of life that’s giving you distress.
What types of therapy does Loyola University Chicago Student Health Insurance cover?
There are many different approaches to therapy, and those that have scientific evidence pointing towards their efficacy are generally covered by insurance plans. Many therapists blend multiple approaches when working with clients to attend to all of their mental health goals, which is called integrative or eclectic therapy.
All therapists who provide mental health services for students at Loyola University Chicago must be professionally licensed. They might be psychologists, clinical social workers, or counselors who provide the following:
- Acceptance and Commitment Therapy (ACT)
- Cognitive Behavioral Therapy (CBT)
- Dialectical Behavioral Therapy (DBT)
- Eye Movement Desensitization and Reprocessing (EMDR)
- Mindfulness practices
What types of therapy does Loyola University Chicago Student Health Insurance NOT cover?
Loyola University Chicago Student Health Insurance does not provide coverage for a therapy approach called biofeedback therapy, which is often used for individuals who want to learn to manage their stress reactions, especially those that come after trauma experiences. This plan does not cover acupuncture or other holistic therapy approaches like reiki healing or energy work.
Does Loyola University Chicago Student Health Insurance cover online therapy?
Yes, Loyola University Chicago Student Health Insurance covers online therapy. This plan offers students access to free therapy services through HealthiestYou Virtual Counselor Access, which is a fully online platform for therapy sessions. Sessions through the Wellness Center are also typically online or over the phone.
When using your Loyola University Chicago Student Health Insurance plan to see a therapist outside of HealthiestYou or the Wellness Center, you’ll pay the same amount for online sessions as you would seeing your therapist in-person.
Does Loyola University Chicago Student Health Insurance cover couples therapy?
No, students cannot access couples therapy through Healthiest You Virtual Counselor Access or with their Loyola University Chicago Student Health Insurance plan. However, it might be possible to engage couples therapy through the Wellness Center. While these sessions are limited in number, it might be a good place to start when working with your partner or partners to improve your relationship.
Do I need to see my primary doctor before starting therapy?
No, Loyola University Chicago Student Health Insurance does not require you to see your primary doctor before starting a therapy, meaning that you do not need a referral to get started. This is especially true when you’re meeting with a therapist through HealthiestYou or at the Wellness Center.