General

Is Sex Therapy Covered By Insurance?

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 seem like an appealing option.

Many therapists, including myself, do not bill insurance. Insurance companies want to pay 60 to 100 per session. A full case load for a therapist is 20 clients per week. It is difficult for therapists to make a living this way.

Sex Therapy Is Not Covered By Insurance

Insurance does not cover couples therapy directly. Instead, you can be diagnosed with other issues that result from distress in your sexual relationship such as anxiety, depression, adjustment disorder, and others.

What If Your Therapist Doesn't Bill Insurance?

Your therapist will issue a superbill (a receipt of payment) that includes information needed by insurance company (diagnosis code, procedure code). You can bill sex therapy as a family therapy procedure code (90847) or an individual procedure code (90837).

Other Options

Schedule A Fix Number Of Sessions: You don’t need to be in therapy for years. See it as an investment where you are willing to pay a certain amount of money to fix your problems.
Flexible Spending and Health Savings Accounts: You can use these accounts to pay for therapy services.

Next Steps

To explore how you might use your insurance benefits, call your health insurance provider and inquire about reimbursement for out-of-network mental health services. For more information about my fees and services, check out my Fees & Insurance page.

If you’re ready to start therapy or have more questions, please don’t hesitate to reach out to me. I’m here to help you navigate your path to better sexual and relational health.

Marisol G. Westberg