Chandler, AZ, residents can benefit from therapy in a variety of situations, such as when they experience depression, anxiety, addictions, mental disorders, relationship conflicts, or other challenges. Therapy is a form of healthcare, but since it may not take place in a standard medical office, you may wonder if health insurance will cover it.

What’s Covered?

Many health plans cover therapy under the right circumstances. Coverage depends on the type of therapy and the specific therapist you choose. Be sure to select an in-network provider whenever possible, as insurers are more likely to cover in-person appointments, though online sessions may also be eligible. Federal regulations require most health plans to cover a range of therapeutic services.

Preventive Care

As with many types of medical care, co-pays and deductibles may apply to therapy. However, certain forms of therapy and counseling are considered preventive care, meaning most insurers fully cover them. This means you likely won’t have any coinsurance, co-pays, or deductibles if your appointment qualifies as preventive.

Most health plans provide coverage for obesity, diet, and alcohol addiction counseling as preventive care benefits with no out-of-pocket expense. Similarly, physical therapy designed to prevent seniors from falling and suffering injuries is often covered by insurance. On the other hand, services like acupuncture and massage therapy typically do not qualify as preventive care.

San Marcos Insurance Group offers dependable health insurance in the Chandler, AZ, area. You can rely on our independent agency to help you find the most suitable plan for your needs. We have access to medical policies from a variety of trusted insurers. To learn more or request a quick health insurance quote, please get in touch with the friendly staff at San Marcos Insurance Group by calling 480-899-6633 today.