(08-05-2009 01:00 PM)texd Wrote:  RE Marital/family therapy, the last employer based plan my employer offered from United -- basic PPO -- states in their "What works for you" booklet

Quote:We understand that finding the right kind of solution can make all the difference. Your behavioral health benefits include coverage for the following types of services:

• Accute ipatient care
• Residential treatement
• Partial day treatment
• Medication Management
• Halfway facilities
• Alcohol and drug dependency programs
• Family, marital and outpatient therapy
• Individual outpatient therapy
  

The only place that family therapy was covered by exclusions was that they don't pay for court-ordered mental health treatment unless pre-approved by them.

And our carrier before that (yes I'm a pack rat), Humana PPO, had no limitations on therapy except that they only paid for a combined 20 individual or joint sessions a year and that sessions could not last over 60 minutes each.

You're lucky, then. The behavioral coverage on my wife's policy (which we use) specifically excludes marital and family counseling, among a whole bunch of other stuff. And my wife works for the state government, which I'm sure lots of people assume get gold-plated benefits. Alas, it ain't always so. (Though the vacation schedule is nice. Nothing like a 4-day weekend involving MLK Day - because Lee-Jackson Day is celebrated on the preceding Friday.)