Does my health insurance cover therapy?

One in three Americans resolved to make 2025 the year they get therapy. If you were one of them, you may have discovered: Figuring out how to get your insurance benefits to cover therapy can take some legwork.

The drudgery of figuring out whether and how your insurance plan covers therapy — or choosing between plans in the hope of getting therapy covered — can feel overwhelming. In a 2024 poll, more than half of Americans surveyed said mental health treatment costs were a major barrier to care, while four in 10 people said the scarcity of providers was a big obstacle. A third of psychologists don’t take insurance at all, and even people who get health insurance through their jobs often have to go out of network for their mental health care.

As complicated as it is for Americans to get ph