Insurance coverage for relational therapy can be a little complicated. When using insurance, a mental health diagnosis is generally required for therapy to be considered "medically necessary". This means that one partner must be identified as the patient, and the treatment and documentation must focus on addressing that individual’s diagnosed mental health condition.

In practice, this can make insurance-based couples sessions look different from traditional couples therapy. A partner may participate in sessions and support the identified patient, while the primary focus remains on treating the individuals mental health concerns.

Relational couples therapy has a different focus. Rather than treating one partner’s mental health diagnosis, the relationship itself is the focus of treatment.

Because relational concerns are not always considered "medically necessary" by insurance plans, this type of couples therapy may not be covered. One commonly used code for relationship distress is Z63.0 (Problems in relationship with spouse or partner), but coverage varies by insurance plan.

To determine whether your insurance will reimburse for relational therapy, I recommend contacting your insurance company and asking specifically whether Z63.0 is a covered diagnosis/code and whether they provide out-of-network benefits for this type of service.

If your insurance plan does not cover Z63.0 or relational therapy, I am unable to provide a superbill for reimbursement for services that are not eligible for coverage under your plan.