There's No Perfect Insurance Dictionary to Define Your Marriage Counseling Coverage

Many clients attempt to collect reimbursement for sessions that are held by Relationship Specialists, marriage counselors or relationship therapists. But, few, if any, insurance companies will actually pay (sometimes even if they tell you on the phone that they will pay) regardless of whether you live in Eugene, Oregon or Bend, Oregon or in the Pearl District in Portland, Oregon. You would need an insurance dictionary to understand the terms of their agreements. It's unkind and unfair to everyone who pays high premiums in the hopes they will be covered.

I'd Like to Make an Appointment with Steven M Cohn, PhD

The Insurance System's
Catch-22 for Marriage Counselors

Steven M Cohn, PhD, LMFT
Virtual Marriage and Couples Counseling
Serving Clients Throughout Oregon
503-282-8496

There is No Insurance Dictionary

Unfortunately, far too often insurance company employees give out misleading and/or incorrect information when couples counseling clients phone to find out if they are covered for their sessions.

Often an insurance company employee will state, erroneously, that "the company does pay for marriage counselors" or "don't worry, you have mental health coverage." Then the client runs into the insurance system catch-22 for marriage counselors. Remember, mental health coverage does not guarantee that you will be covered for couples counseling or marriage counseling.

The catch-22 is that there is only one possible diagnosis that a mental health practitioner can apply to either a married couple or an unmarried couple. The insurance companies won't pay for that diagnosis, even if they tell you that you are covered for marriage counselors or relationship therapists.

To find out if your insurance company will actually pay for marriage counselors, you must ask the following question:

"Will you pay for a DSM zee-code diagnosis Z71.89 Other Specified Counseling?"

It's worth asking your insurance company if they will pay for that diagnosis for marriage or couples counseling, but be persistent and specific or you will end up with the wrong information. There's just no perfect insurance dictionary. Most insurance companies will not pay for a vee-code diagnosis of any kind. Before you call, it's important to understand the billing codes.

Can Couples Counseling Be Paid For With an HSA?

Sometimes clients will ask if they can pay for couples counseling using consumer-directed healthcare accounts like FSAs, HSAs, HRAs, DCFSAs or LPFSAs. The answer is no. Under IRC 213(d)(1), “Medical care will pay for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. This includes medical equipment, supplies and devices."

Marriage counseling does not directly relate to the diagnosis, cure, mitigation, treatment or prevention of a legitimate medical condition, and therefore would not be eligible for reimbursement with consumer-directed healthcare accounts like FSAs, HSAs, HRAs, DCFSAs or LPFSAs.

Caveat: Because laws change often, please check with your CPA or attorney to confirm this information is accurate.

Marriage and Relationship Counseling Will Not be Billed to Your Individual Insurance

The next issue that almost always comes up is the couples counseling client asking the marriage counselor, "Can't you just bill one of us or bill us separately?"

Sorry, but the answer is "No."

Billing an individual for a marriage counseling or relationship counseling session (which means you have to submit an actual diagnosis for that individual) is insurance fraud. Both the therapist and the client might be put at risk for both insurance fraud and conspiring to commit insurance fraud. Additionally, the therapist might be at risk for using the therapy office to commit a crime.

Steven M Cohn, PhD will not submit an insurance claim for an individual client when he is treating a couple.

Additionally, the individual sessions that Steven Cohn holds during his four-session intake are for the purposes of marriage counseling. The diagnosis remains the same "Z71.89 Other Specified Counseling" even if only one person is in the room. Steven Cohn, PhD regrets the decisions that have been made by insurance companies and the legislature. Perhaps one day a functional insurance dictionary will exist to help you understand whether you are covered for marriage and relationship counseling. For now the DSM V is the "Insurance Dictionary" used to define marriage and relationship counseling.

I do not participate in any insurance panels; and therefore, I would be considered an out-of-network provider.

Why don't I participate in insurance? Insurance companies have one goal in mind, their bottom line profit at the end of the year. I also have one goal in mind. To do everything I can do to support the couples that I work with. In other words, I'm interested first and always in the health of your relationship. Insurance companies, on the other hand, dictate clinical decisions that should be between the therapist and the client. For example, the length of treatment or the length of the sessions.

As Relationship Specialist working outside the dictates of an insurance company I have the ability to work with you on terms that we, and only we, agree on.

I am happy to provide receipts if you want to turn them in to your insurance company. 

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Steven M Cohn, PhD is honored to have been featured on CNBC.com.

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Steven M Cohn, PhD is pleased to have been featured on Koin 6 Television: "Boost In The Bedroom."

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Steven M Cohn, PhD is pleased to have been featured on both KATU.com and KATU Channel 2 Television.

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Steven M Cohn, PhD is pleased to have been featured on Oregon Live "Why Oregon's Latest Divorce Statistics May Be Divorced From Reality"

Steven M Cohn, PhD, MBA, LMFT has been named one of the top three marriage counselors in Portland, Oregon three years in a row by the non-profit organization Three Best Rated

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