Most couples we see use insurance — here's how it actually works.
In short: yes, couples therapy can be covered, but coverage depends on your plan and the diagnosis billed. We verify your benefits before your first session and explain — in plain language — what your out-of-pocket will look like.
Verify my coverage
Major Southern California carriers we accept.
We're in-network with most of the big SoCal plans across PPO, EPO, and HMO products. If you don't see yours, call us anyway — we may still be able to bill, or we'll provide an out-of-network superbill.
Anthem Blue Cross
Most PPO plans. HMO referrals required for certain plans.
Blue Shield of California
PPO and Trio HMO. Magellan-managed for some plans.
Aetna
PPO and Open Choice plans.
Cigna
PPO and Open Access. Evernorth Behavioral Health.
Magellan
Behavioral health carve-out for many large employers.
L.A. Care
Medi-Cal, Covered California, and PASC-SEIU plans.
MHN (Health Net)
Behavioral health network for Health Net plans.
Carelon / Beacon Health
Behavioral health for several major employer plans.
TriWest / VA
Community Care Network for VA-eligible patients.
Don't see your plan? We accept all insurance — call (626) 354-6440 and we'll check.
What you'll actually pay (in plain language).
If we're in-network with your plan
You pay your normal mental-health copay (a fixed amount per session, e.g. $30) or coinsurance (a percentage of the session fee, e.g. 20% after deductible). Your deductible may need to be met first depending on the plan. We'll verify your specific numbers before session one and tell you what to expect.
If we're out-of-network
You pay the session fee at time of service, and we provide a superbill — a coded receipt — that you submit to your insurance for partial reimbursement. The amount you get back depends on your out-of-network mental-health benefit.
Sliding scale
Available case-by-case for couples whose finances make standard fees a real barrier. We talk about it openly — there's no script you have to follow to ask.
HSA / FSA
Couples therapy session fees are typically eligible. Save your statements; we provide receipts on request.
Glossary, briefly
Deductible — what you pay out-of-pocket each year before insurance starts paying.
Copay — fixed per-session amount (e.g. $30).
Coinsurance — percentage you pay after deductible (e.g. 20%).
EOB — the explanation-of-benefits form from your insurer; not a bill.
Out-of-pocket max — annual ceiling on what you pay; insurance covers 100% after.
The honest part most sites don't say.
Insurance pays for treatment of a diagnosed mental-health condition. "Marital problems" alone (Z63.0 in the DSM coding system) is recognized but not always reimbursable — it depends on the plan. In practice, most couples have at least one partner with a billable diagnosis (e.g. anxiety, depression, adjustment disorder), and that's how the work is most often billed. We're transparent about how billing happens, and you'll see the diagnosis on your EOB. We don't bill for diagnoses that aren't real — we just describe what's clinically present.
If you'd rather pay out of pocket and skip the diagnosis-on-record entirely, that's a reasonable choice. Tell us before we run benefits.
We'll verify your benefits before your first session.
No surprise bills. Reach out and we'll do the work of figuring out what your plan covers.
Verify my coverage