Therapy 101

Therapies covered by workplace insurance benefits

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Therapies covered by workplace insurance benefits

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If your employer provides group benefits, you’re in luck. Your benefits could cover some or all of your therapy appointments. 

Workplace benefits booklet

When you use your workplace benefits plan, you work directly with the insurance provider, not your employer.

Every benefits package is different. The info from your provider—usually outlined in a document called a benefits booklet—isn’t always easy to understand.

Remember, while “therapist” and “counsellor” are generic terms referring to mental health professionals, your benefits provider will be very specific when they describe what type of professionals they cover.

Check out the section in this guide on types of therapists to better understand what these designations mean.

If you’re unsure about your therapist’s designation, ask them before or during your initial consultation call.

Other types of workplace coverage

Your benefits booklet will also explain other services that may be available to you, like Employee and Family Assistance Programs (EFAP) and Health Care Spending Accounts (HCSA). 

An employee assistance program (EAP) is offered by your benefits provider. It lets you connect directly through them to mental health services instead of seeking a therapist on your own and submitting a claim for the cost after. 

Your employer is not notified that you have used the EAP service. Just like the rest of your benefits, your usage of these services is private.

Health Care Spending Accounts (HCSA) are growing in popularity due to their flexibility and personalization. A HCSA gives you a set amount of money to spend on health services each year. You may be able to use it to close “gaps” in insurance coverage—for example, if your package only covers 80% of each appointment you can withdraw from your HCSA to pay the remaining 20%. Or you may use it to pay for services not traditionally covered by group benefits, such as gym memberships or sports equipment.

If you’re having serious difficulty interpreting your benefits package, schedule a visit with your HR representative to get some help navigating it. Alternatively, you could phone your insurance provider or chat directly with them on their website.

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