Trustmark for Therapy

Trustmark is a health insurance company that has a history of nearly 110 years. Many individuals receive Trustmark coverage through their employer, while others select it as their insurance-of-choice. Trustmark is dedicated to holistic health, which includes mental and emotional health.

Does Trustmark cover therapy?

Yes, Trustmark provides its members therapy coverage, which means that you can use your Trustmark plan to lower your out-of-pocket costs. To access the most coverage through your Trustmark plan, it’s best to see an in-network therapist. You’ll pay more out-of-pocket — but still receive some coverage — when you see an out-of-network therapist.

The amount of coverage provided depends on your specific Trustmark plan. Because there are many different plans offered through Trustmark, it’s important to understand the details of your exact plan before you start working with a therapist.

How do I check if my Trustmark plan covers therapy?

To check if your Trustmark health insurance plan covers therapy services, read through your Summary of Benefits document. You likely received this document when you first signed up for Trustmark, whether that’s through your employer or through the healthcare insurance marketplace. If you have an online account, log into the portal and search for details about your specific plan. You can also give Trustmark a call and request your Summary of Benefits document, or ask them about your specific mental health coverage.

When looking at your Summary of Benefits, search for the mental health or behavioral health section. Find the outpatient category, which will share with you what your copay or coinsurance rates are per session.

How much does therapy cost with my Trustmark plan?

When working with a therapist in the Trustmark network, expect to pay a 40% coinsurance. This means that you’ll be responsible for 40% of the session fee, which is the amount that your therapist charges per session. If your therapist charges $200 per session, then you’ll need to pay $80 per session out-of-pocket.

For out-of-network therapists, you’ll be responsible for a 50% coinsurance. However, it’s important to check your specific plan’s details, as these rates may change based on which Trustmark plan you have.

Some Trustmark plans offer Support Solution, an EAP program that offers members free counseling. However, this counseling is limited and not intended to be long term. Should you access Support Solution for help, they can find a long term therapist in the Trustmark network for you to work with for greater support.

What types of mental health conditions does Trustmark cover?

Trustmark covers many mental health conditions, including all mental health conditions that receive a specific diagnosis. When you start seeing your therapist, they will provide you with a diagnosis, which is what Trustmark will check when processing your reimbursement.

Some common mental health conditions covered by Trustmark include:

There are many more mental health conditions covered by Trustmark, all of which will be coded under a diagnosis. If you feel uncomfortable receiving a diagnosis or sharing your diagnosis with Trustmark, you can ask to privately pay for sessions with your therapist. While this is a more expensive option, it means you can see your therapist without worrying about needing a diagnosis.

What types of therapy does Trustmark cover?

Trustmark reimburses for all evidence-based therapy services provided by a credentialed mental health professional, which could be psychologists, psychiatrists, social workers, licensed professional counselors, nurse practitioners, and more.

Trustmark seeks to ensure that all reimbursed services have clinical rigor backing up their efficacy. This includes, but is not limited to, the following therapeutic modalities:

Many therapists blend their approaches in sessions with clients. As long as the therapist meets the Trustmark requirements, then they’ll be eligible for coverage.

What types of therapy does Trustmark NOT cover?

Trustmark will not cover any therapies that are not evidence-based, as they require a high degree of clinical rigor to qualify for benefits. For these reasons, Trustmark will not cover career counseling or life coaching, as these are generally based on goals rather than a specific mental health condition. However, many therapists incorporate these types of therapy into their sessions alongside eligible therapy modalities.

Trustmark also does not cover holistic therapies like nutritional therapy, aromatherapy, massage therapy, or reiki healing. While many people find these therapies helpful for their wellbeing, they lack the evidence required by Trustmark for reimbursement.

Does Trustmark cover online therapy?

Yes, Trustmark covers online therapy. You’ll pay the same amount for telehealth sessions as you would for in-person sessions, which means the same coinsurance rates.

Many Trustmark plans offer access to Teladoc’s Mental Health Services, which is an app that enables members to connect with providers online rather than requiring them to physically go to appointments. Through Teladoc’s Primary360, members can see primary doctors and receive mental health support whenever they need.

Does Trustmark cover couples therapy?

Trustmark does not cover couples therapy. This is because Trustmark requires that each client have a mental health diagnosis to guide treatment — which is difficult to do for a couple.

However, couples counseling can still be accessible through other options. If you’re still interested in working with a couples therapist, there are ways to lower the costs so you don’t need to exceed your budget.

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

It depends on your specific Trustmark plan whether or not you need to see your primary care physician before starting therapy. If your plan is an HMO, you will need a referral from your primary doctor before getting your therapy sessions covered by your plan. You can get this referral through Primary360, which is accessed through Teladoc, or through your preferred primary doctor.

If your plan is a PPO, then you do not need a referral from your primary doctor before starting therapy.