Anonymous wrote:Here's the scoop from an experienced marriage and family therapist. Neither couple therapy nor family therapy is covered by insurance for adults (family therapy is often covred for children). The billing codes for individual therapy and couple/family therapy are the same, so when your insurance company pays for couple/.family therapy they believe they are paying for individual therapy. The fact that the calim is paid does not mean it is covered. Insurance companies consider this to be insurance fraud, and it they do an audit they will ask for ther money back. Criminal charges or license sancions could also apply for the therapist. This is a common type of fraud, and you will have no difficulty findiing a therapist who will do it. However, you should be aware that it's not that those therapists have superior knowledge of medical billing. They just have dubious ethics and are perhaps in desperate need of clients.
There is one exception to the above. It is legitimate to bill insurance for family sessions that focus on helping an individual patient -- perhaps dealing with a crisis to avert hospitalization, or providing education to the family about the individual's condition.
I was with you until you said it was "dubious ethics" of the counselor. IMO it's dubious ethics and bad practice of insurers to not cover even some couples counseling. It can save a marriage such that it can minimize depression, anxiety, etc. in the children, plus if they cover individual -- obviously couples are individuals whose own issues dramatically affect the other partner. Seems shortsighted.
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