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<p>Published on: 28 Dec 2023</p>
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<p><a href="https://www.talkspace.com/blog/dialectical-behavioral-therapy-dbt-behavior/" target="_blank" rel="noreferrer noopener">Dialectical behavioral therapy</a> (DBT) is a common type of psychotherapy (also known as talk therapy) that helps people identify unhealthy thought processes so they can change them. </p>
<p>Whether you’re seeking help for yourself, or for someone you care about, understanding the ins and outs of DBT insurance coverage is a crucial part of the equation. To determine if DBT is covered by insurance, you need to first understand that insurance benefits can widely vary based on plan specifics. </p>
<p>While knowing if DBT therapy is covered by insurance is important, you should also keep in mind that there are other ways to manage the <a href="https://www.talkspace.com/blog/therapy-cost/" target="_blank" rel="noreferrer noopener">cost of therapy</a>, even if your insurance doesn’t cover everything. </p>
<p>Continue reading to find out if insurance covers DBT therapy. </p>
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<h2>Is DBT Usually Covered by Insurance?</h2>
<p>The short answer is yes — DBT insurance coverage is offered by virtually all insurance companies. However, the extent and conditions of <em>your </em>specific dialectical behavior therapy coverage can vary based on your insurer and plan.</p>
<p>All major health insurance providers offer some level of coverage for mental health services. In fact, they’re required by law to do so. This means that insurance providers like Aetna and Cigna, for example, legally must cover some or all of the cost of behavioral talk therapies like DBT. The efficacy of comprehensive DBT for certain mental health conditions is <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4579507/" target="_blank" rel="noreferrer noopener">clinically proven</a>, further increasing the likelihood that insurers will cover the treatment. </p>
<p>That said, the specifics of exact DBT treatment coverage will vary from plan to plan. Your out-of-pocket costs — the portion you’re financially responsible for — can differ based on things like copays, deductibles, and plan maximums that might limit how many individual therapy sessions are covered annually.</p>
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<p>“Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) may offer different coverage options. It’s important to note that even if insurance covers DBT, there might be out-of-pocket costs involved. Insurance plans often establish a network of preferred providers, and if you receive DBT from a provider within your insurance network, it’s more likely to be covered.”</p>
<p><cite>– <a href="https://www.talkspace.com/mental-health/conditions/author/famouserwin/" target="_blank" rel="noreferrer noopener">Talkspace therapist Famous Erwin, LMHC</a> </cite></p></blockquote>
<p><strong>Factors that can influence dialectical behavior therapy coverage might include things such as:</strong></p>
<ul>
<li><strong>Number of sessions allowed</strong>: Some plans have a maximum individual therapy session amount per year they’ll cover.</li>
<li><strong>Your deductible</strong>: Check if you must meet a specific deductible before coverage kicks in; this can significantly impact how much out-of-pocket costs you’ll pay for comprehensive DBT treatment.</li>
<li><strong>Your copay</strong>: Most health care plans have copays, which is the amount you’ll pay at every session. </li>
<li><strong>Therapist qualifications</strong>: Many insurers require therapists to be licensed and certified in DBT treatment.</li>
<li><strong>Your type of policy</strong>: Different types of health care policies can have varying levels of coverage. For example, a PPO vs an HMO will have different referral requirements, provider options, and costs for mental health services.</li>
<li><strong>In-network vs out-of-network</strong>: If you see a therapist who isn’t considered “in-network,” you should expect to pay more for treatment. </li>
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<h2>How to Find Out if Your Insurance Covers DBT</h2>
<p>For DBT therapy covered by insurance inquiries, contact your insurer directly. You can reach out by phone or through an online portal from the website to ask specifically about DBT insurance coverage. If you already have a therapist, you can ask them what Current Procedural Terminology (CPT) code they use when they submit bills to your insurance company.</p>
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<p>“Understanding the specifics of your insurance coverage and the network of providers can significantly impact the accessibility and affordability of mental health treatments.” </p>
<p><cite>– <a href="https://www.talkspace.com/mental-health/conditions/author/famouserwin/" target="_blank" rel="noreferrer noopener">Talkspace therapist Famous Erwin, LMHC</a></cite></p></blockquote>
<p>It’s helpful to know what type of coverage you have beforehand:</p>
<ul>
<li><strong>PPOs</strong> typically offer more flexibility, but you might have a higher copay or deductible.</li>
<li><strong>HMOs </strong>often limit the treatment options they provide to keep costs lower.</li>
<li><strong>EPOs</strong> are a combination of PPOs and HMOs; they’ll generally cover more services than an HMO, but like a PPO, they tend to restrict the doctors you see.</li>
</ul>
<p>You should also know as much as possible about your plan’s details, for example:</p>
<ul>
<li>Are pre-authorizations required? </li>
<li>What is your copay? </li>
<li>Do you have an annual cap on sessions?</li>
</ul>
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<h2>Affordable DBT Therapists with or without Insurance</h2>
<p>Don’t be overwhelmed by the thought of trying to figure out <em>if DBT is covered fully by insurance</em>. Remember that most health insurance plans will cover DBT since it’s a recognized effective treatment for numerous mental health conditions, including borderline personality disorder (BPD), post-traumatic stress disorder (PTSD), depression, and more. </p>
<p>If cost is a concern, know that getting DBT within your budget <em>is </em>possible. Even if you don’t have insurance, or if your coverage is inadequate, there are many other options available for <a href="https://www.talkspace.com/blog/therapy-without-insurance/" target="_blank" rel="noreferrer noopener">therapy without insurance</a>. </p>
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<li><strong>Community and nonprofit entities</strong> often provide need-based, low- or no-cost treatment. </li>
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<ul>
<li><a data-wpil="url" href="https://www.talkspace.com/online-therapy/" target="_blank" rel="noreferrer noopener"><strong>Online therapy</strong></a>, like Talkspace, is typically more affordable and convenient than traditional in-person therapy. Plus, Talkspace has trained, skilled, qualified therapists with experience in treating all types of mental health conditions using the DBT method. </li>
</ul>
<p>Mental healthcare should never be out of reach as a result of financial constraints. With or without insurance, DBT can be an accessible, effective, affordable treatment option on your journey toward better mental health. Reach out to Talkspace today to learn more about the benefits of DBT and how you can get <a href="https://www.talkspace.com/coverage/insurance" target="_blank" rel="noreferrer noopener">online therapy covered by insurance</a>. </p>
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<p><em>Sources:</em></p>
<ol>
<li>Stiglmayr C, Stecher-Mohr J, Wagner T, et al. Effectiveness of dialectic behavioral therapy in routine outpatient care: The Berlin Borderline Study. <em>Borderline Personality Disorder and Emotion Dysregulation</em>. 2014;1(1):20. doi:10.1186/2051-6673-1-20. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4579507/" target="_blank" rel="noreferrer noopener">https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4579507/</a>. Accessed November 25, 2023.</li>
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<p>Talkspace articles are written by experienced <a href="https://www.talkspace.com/blog/talkspace-council-of-experts-meet/">mental health-wellness contributors</a>; they are grounded in scientific research and evidence-based practices. Articles are extensively reviewed by our team of clinical experts (therapists and psychiatrists of various specialties) to ensure content is accurate and on par with current industry standards.</p>
<p>Our goal at Talkspace is to provide the most up-to-date, valuable, and objective information on mental health-related topics in order to help readers make informed decisions.</p>
<p>Articles contain trusted third-party sources that are either directly linked to in the text or listed at the bottom to take readers directly to the source.</p>
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<img class="avatar avatar-120 photo" width="24" height="24" src="https://www.talkspace.com/blog/wp-content/uploads/2023/05/famous-erwin-cropped-image-150x150.png"/><noscript><img class="avatar avatar-120 photo" width="24" height="24" src="https://www.talkspace.com/blog/wp-content/uploads/2023/05/famous-erwin-cropped-image-150x150.png"/></noscript> </a>
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Famous Erwin, LMHC, LPC </a><br />
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<p class="note">Famous Erwin, LMHC, LPC, is a Licensed Mental Health Counselor with over 15 years of counseling experience. He is licensed in the states of Florida, Georgia, and Idaho. Famous is a team member of theTalkspace Council of Mental Health Experts. Famous loves working as a therapist on the talkspace platform. At Talkspace, Everyday is exciting because he has an opportunity to do what he loves and that’s helping people overcome life’s challenges through effective life skills and coping skills. Famous has a passion for working with men. Traditionally, men don’t seek counseling so as a male therapist, Famous ensures the men that he works with that counseling is a safe place to be vulnerable.</p>
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Is DBT Therapy Covered by Insurance? — Talkspace
