Is Mental Health Therapy Covered by Insurance in 2025?
Starting therapy can feel overwhelming – especially when you’re unsure how much it will cost or whether your insurance will help cover it. One of the most common questions we hear at KMA Therapy is: "Will my insurance cover therapy?"
The good news? Most insurance plans do offer some coverage for mental health therapy. But the details can vary depending on your provider, your employer’s plan, and the type of therapist you see.
In this updated guide for 2025, we’ll walk you through everything you need to know about insurance and therapy: what’s usually covered, how to check your benefits, and how to make sure you’re matched with a therapist who works with your coverage.
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Does My Insurance Cover Therapy?
In most cases, yes. As mental health continues to be recognized as a key part of overall well-being, most workplace and private insurance plans in Canada include coverage for therapy.
However, not all therapy and not all therapists are covered. There are a few things to check:
- What type of therapist your plan covers (e.g. Registered Psychotherapist, Social Worker, or Psychologist)
- Whether the therapist is licensed in your province
- How much coverage you have per session or per year
What Kind of Therapy Coverage Do I Have?
Every insurance plan is different, so it’s important to understand your specific benefits. Here’s how to get started:
- Ask your employer for a copy of your health benefits booklet
- Look for mental health coverage categories like:
- Psychological services
- Psychotherapy
- Counselling
- Social work services
- Contact your insurance provider directly to confirm:
- What types of therapists are covered
- How much you’re reimbursed per session
- Your annual maximum coverage
Keep in mind: terms like "therapist" or "counsellor" are often used informally, so your plan will usually list regulated titles (like Registered Social Worker or Psychologist).
Can I Use Online Therapy with Insurance?
Yes – but only if the therapist is licensed in your province. For example, if you live in Ontario, your insurance will likely only cover therapists who are registered in Ontario.
Always double-check your therapist’s credentials and registration before booking if you’re looking for virtual therapy.
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How Much of My Therapy Costs Are Covered?
This varies from plan to plan. Your insurance might:
- Cover a percentage of each session (e.g. 80% coverage per session)
- Cover a fixed amount per session (e.g. $100 per session)
- Have an annual maximum (e.g. $500 or $1000 per year)
You may need to pay upfront and submit receipts for reimbursement, or your provider might offer direct billing.
Note: Late cancellations or missed appointments are not covered by insurance.
How Do I Submit an Insurance Claim for Therapy?
If your therapist does not bill your insurance directly, you’ll need to:
- Pay for the session
- Ask your therapist for a receipt that includes:
- Therapist’s full name and credentials
- License/registration number
- Session date, type, and length
- Amount paid
- Submit the receipt via your insurance provider’s website, app, or email system.
Processing time for reimbursement varies, so reach out to your provider if you’re unsure.
Is Therapy Covered by OHIP?
In Ontario, OHIP covers mental health services only in specific situations.
Covered under OHIP:
- Psychiatrists
- Family doctors offering psychotherapy
- Some services in hospitals or publicly funded clinics
Not covered under OHIP:
- Private therapists (including Registered Psychotherapists and Social Workers)
- Therapy at private practices like KMA Therapy
If you’re looking for OHIP-covered services, be prepared for longer wait times and referrals from your doctor.
Is KMA Therapy Covered by Insurance?
Yes! Our therapists at KMA Therapy include:
- Registered Psychotherapists
- Registered Social Workers
All are supervised by Psychologists, which means we are covered under psychological services, psychotherapy, and social work services in Ontario.
When you book a session, our team will always help match you with a therapist who fits your financial and emotional needs.
Still not sure what your plan covers? We’re happy to help you figure it out.
Want to Learn More?
Check out these helpful reads:
- How Much Does Psychotherapy Cost?
- 22 Questions to Ask Your New Therapist
- What Type of Therapist Should I See?
Or skip the reading and book your free 15-minute discovery call – we’ll walk you through everything you need to know!
