About Insurance

One of the first questions people often ask when they're considering counseling is:
"Will my insurance pay for this?"
Understanding your mental health benefits can sometimes feel confusing. There may be questions about deductibles, copays, coinsurance, referrals, in-network providers, and more.

At Embark Counseling, we're happy to help you explore your therapy benefits and understand your options. You don't need to have everything figured out before reaching out.  If you've been thinking about starting therapy, send us a message. We're happy to help you take the first step.

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We accept Medicaid and Cigna insurance.

At this time we do not bill other private insurance providers directly, but we can assist you in using your out­-of-network benefit.

We can, however, bill services through Employee Assistance Programs,  Please ask your Human Resources department about availability of this great benefit. Click here to learn more. We can accept EAP clients through Health Advocates, and others.

Please let us know if you qualify for Victim's Compensation.

Although it can be financially necessary to utilize insurance to pay for therapy, there are several important considerations to keep in mind when utilizing insurance benefits for counseling services:

• Any Insurance claim requires a medical diagnosis. This may limit opportunities for certain categories of employment.
   
• The insurance company, not you, will decide how many sessions are appropriate for your treatment.
   
• Some private information, even under the new privacy policies, must be shared with insurance companies.

Does insurance cover couples counseling?

The short answer is no, insurance does not pay for couples therapy or marriage counseling.

• Couples counseling is NOT typically covered by insurance because insurance companies don’t see it as medically necessary. Most couples counseling does not meet the medical model requirements of focusing sessions on one person’s mental health diagnosis.

• To use insurance to try to pay for couples therapy requires you to only work on one identified patient’s diagnosis (anxiety, depression, bipolar, etc) with the partner’s support. In addition, insurance only pays for 45 minute sessions.

At Embark,we believe clients should:

• Be in charge of what we talk about in sessions
• Decide how long sessions last based upon your needs at the time
• Have the right to privacy around their relationship challenges