Will my health insurance pay for counseling?
Although most providers require you to take ultimate responsibility for paying your bill, health insurance may reimburse you or your healthcare provider for medically necessary treatment for covered, diagnosed conditions that impair your ability to function. They do not generally pay for counseling to relieve stress, enhance or maintain wellbeing or prevent problems down the road.
The exception to this rule is that some employers provide employee assistance programs which offer limited counseling for short term problems or crisis. Often these programs are limited to three sessions and then they refer you on to another provider for further treatment, which, if it is medically necessary may be covered by insurance.