— fees & insurance
Is sex therapy covered by insurance?
The short answer: not directly. But there are several ways to make it work — here’s what you need to know before your first session.
Marisol G. Westberg, Ph.D., LMFT
Sex therapist & educator
When clients come in for a consultation, a common question is “Do you take my insurance?” It’s understandable — having insurance cover therapy costs can feel like an important factor in deciding whether to start. Here’s an honest overview of how it works.
01
Does insurance cover sex therapy?
Insurance does not cover couples therapy or sex therapy directly. However, you can be diagnosed with conditions that often result from sexual and relational distress — such as anxiety, depression, or adjustment disorder — and those diagnoses may be covered.
Many therapists, including myself, do not bill insurance directly. Insurance companies typically reimburse $60–$100 per session — which makes it difficult to sustain a practice at the level of care and specialization sex therapy requires.
02
What if my therapist doesn’t bill insurance directly?
Your therapist can issue a superbill — a detailed receipt of payment that includes everything your insurance company needs to process an out-of-network reimbursement claim: the diagnosis code, the procedure code, and your therapist’s credentials.
Sex therapy sessions can be billed under a family therapy procedure code (90847) or an individual therapy procedure code (90837). You pay upfront, submit the superbill to your insurer, and they reimburse you based on your out-of-network benefits.
03
Other ways to cover the cost
FSA / HSA Accounts
Flexible Spending Accounts and Health Savings Accounts can typically be used to pay for therapy services — including sex therapy. Check with your plan administrator to confirm eligibility.
Fixed number of sessions
You don’t need to be in therapy for years. Treating it as a targeted investment — committing to a set number of sessions to address a specific issue — makes the cost more predictable and manageable.
04
Next steps
To explore your insurance options, call your health insurance provider and ask specifically about reimbursement for out-of-network mental health services. Ask what your out-of-network deductible is, what percentage they reimburse after the deductible, and whether telehealth sessions are included.
For information about my fees, visit my Fees & Insurance page. My intake session is $350 and ongoing sessions are $250. I provide superbills upon request.
— ready to start?
Questions about cost shouldn’t stop you
from getting the help you need
Reach out to discuss fees, superbills, and what to expect — or book a consultation directly below.
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