Reply to Using Insurance vs. Taking Deduction for Marriage Coaching

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[quote=Anonymous]I tried posting this to Relationship forum, but didn't get much response. Trying here.

When we were discussing insurance coverage with our marriage counselor, he brought up the idea that it might be more advantageous to characterize the counseling as some sort of coaching and deduct it, rather than put through insurance for reimbursement, and that other clients of his had done this. I am not at all familiar with this approach and wondering what the pros/cons are? We are currently double-insured, but plan to go to one insurance plan starting in January. And, now that I am thinking about it, I am not even sure how counseling would be put through insurance (we are new to this). Who is considered the primary for a session - husband or wife? Do you put it through both individual's primary plan and then through each secondary plan? Any insight would be much appreciated. We are hemorrhaging money at this point so would like to have some sort of plan to either pursue reimbursement or know that we will account for with a tax deduction at the end of the year. If helpful to provide the names of our insurance companies and plans, I would be happy to do so. Obviously, we are also contacting a tax accountant for guidance but haven't had much luck yet. The marriage counselor mentioned that one pro of this approach is avoiding a formal diagnosis, which may preclude later coverage for certain issues. [/quote]

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