Is DBT Therapy Covered by Insurance? — Talkspace

Published on: Dec 28, 2023

Dialectical behavior therapy (DBT) is a common type of psychotherapy (also known as talk therapy) that helps people identify unhealthy thought processes so they can change them.

Whether you’re looking for help for yourself or someone you care about, understanding the ins and outs of DBT insurance coverage is a crucial part of the equation. To determine if DBT is covered by insurance, you must first understand that insurance benefits can vary widely depending on the specific features of the plan.

While it’s important to know if DBT therapy is covered by insurance, you should also keep in mind that there are other ways to manage the cost of therapy, even if your insurance doesn’t cover everything.

Read on to find out if insurance covers DBT therapy.

Is DBT usually covered by insurance?

The short answer is yes: virtually all insurance companies offer DBT insurance coverage. However, the scope and conditions of his Specific coverage for dialectical behavioral therapy may vary depending on your insurer and plan.

All major health insurance providers offer some level of coverage for mental health services. In fact, they are required by law to do so. This means that insurance providers like Aetna and Cigna, for example, must legally cover some or all of the cost of behavioral talking therapies like DBT. The effectiveness of comprehensive DBT for certain mental health conditions is Clinically provenfurther increasing the likelihood that insurers will cover the treatment.

That said, the details of exact DBT treatment coverage will vary from plan to plan. Your out-of-pocket costs (the portion you are financially responsible for) may differ depending on things like copays, deductibles, and plan maximums that could limit the number of individual therapy sessions covered annually.

“Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) may offer different coverage options. It is important to note that even if DBT is covered by insurance, there may be out-of-pocket costs involved. Insurance plans often establish a network of preferred providers, and if you receive DBT from a provider within your insurance network, you are more likely to be covered.”

– Talkspace Therapist Famous Erwin, LMHC

Factors that may influence coverage for dialectical behavior therapy may include things like:

  • Number of sessions allowed: Some plans have a maximum number of individual therapy sessions per year that they will cover.
  • Your deductible: Check if you must meet a specific deductible before coverage takes effect; This can significantly affect the out-of-pocket costs you will pay for comprehensive DBT treatment.
  • Your copay: Most healthcare plans have co-pays, which is the amount you will pay each session.
  • Therapist Qualifications: Many insurers require therapists to be licensed and certified in DBT treatment.
  • Your type of policy: Different types of healthcare policies may have different levels of coverage. For example, a PPO and an HMO will have different referral requirements, provider options, and costs for mental health services.
  • On-grid versus off-grid: If you see a therapist who is not considered “in-network,” you should expect to pay more for treatment.

How to know if your insurance covers DBT

For insurance-covered DBT therapy consultations, please contact your insurer directly. You can reach out by phone or through an online portal from the website to ask specifically about DBT insurance coverage. If you already have a therapist, you can ask them what Current Procedural Terminology (CPT) code they use when you send bills to your insurance company.

“Understanding the details of your insurance coverage and provider network can significantly impact the accessibility and affordability of mental health treatments.”

– Talkspace Therapist Famous Erwin, LMHC

It is helpful to know in advance what type of coverage you have:

  • PPO They typically offer more flexibility, but you may have a higher copay or deductible.
  • HMO They often limit the treatment options they offer to keep costs lower.
  • Epic They are a combination of PPO and HMO; They will typically cover more services than an HMO, but like a PPO, they tend to restrict the number of doctors you see.

You should also know as much as possible about the details of your plan, such as:

  • Are prior authorizations required?
  • What is your copay?
  • Do you have an annual session limit?

Affordable DBT Therapists with or without Insurance

Don’t be overwhelmed by the idea of ​​trying to discover Whether DBT is fully covered by insurance. Remember that most health insurance plans will cover DBT as it is a recognized effective treatment for numerous mental health conditions, including borderline personality disorder (BPD), post-traumatic stress disorder (PTSD), depression and more.

If you’re worried about cost, know that getting DBT within your budget is possible. Even if you don’t have insurance or your coverage is inadequate, there are many other options available for uninsured therapy.

  • Community and non-profit entities They often provide need-based, low- or no-cost treatment.
  • Online therapy, like Talkspace, is often more affordable and convenient than traditional in-person therapy. Additionally, Talkspace has trained, trained and qualified therapists experienced in treating all types of mental health conditions using the DBT method.

Mental health care should never be out of reach due to financial limitations. With or without insurance, DBT can be an accessible, effective, and affordable treatment option on your path to better mental health. Contact Talkspace today to learn more about the benefits of DBT and how you can get online therapy covered by insurance.


  1. Stiglmayr C, Stecher-Mohr J, Wagner T, et al. Effectiveness of dialectical behavior therapy in routine outpatient care: The Berlin borderline study. Borderline personality disorder and emotion dysregulation. 2014;1(1):20. doi:10.1186/2051-6673-1-20. Accessed November 25, 2023.

Talkspace articles are written by experienced mental health and wellness contributors; They are based on scientific research and evidence-based practices. Our team of clinical experts (therapists and psychiatrists from various specialties) thoroughly review articles to ensure the content is accurate and on par with current industry standards.

Our goal at Talkspace is to provide the most up-to-date, valuable, and objective information on mental health topics to help readers make informed decisions.

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