Is Christian Counseling Covered By Insurance?

By Jared Levenson - Reviewed on March 25, 2023
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In this blog post, we will be discussing whether or not Christian counseling is covered by insurance plans. 

  • The short answer is no, generally speaking, Christian counseling is not directly covered by health insurance.
  • However, insurance companies often offer partial out-of-network reimbursement for counseling services.
  • Additionally, you may often use an HSA or FSA to pay for therapy, which can help lower costs.

See, when it comes to health insurance coverage, there are a few different types of plans offered by most providers:

  • Basic coverage plans without any mental health benefits
  • Limited coverage plans that cover certain types of mental health services (such as individual therapy sessions)
  • Comprehensive coverage plans that offer a wide range of mental health services (including group therapy sessions) with help of psychotherapy services

But even with a comprehensive coverage plan, there will most likely be limitations when it comes to Christian counseling specifically.

For example, some insurers may require mental disorders to receive an official diagnosis by your doctor before they will cover the cost of any Christian counseling services you receive.

Even with a diagnosis, your insurance provider may still insist upon evidence-based counseling services.

Other insurers may only cover certain types of Christian counseling or limit the number of sessions they will pay for each year. It’s also important to check if any copays or deductibles apply as well as if there are any network restrictions in place for these types of services. 

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What are Christian Counseling services?

Christian licensed counselors practice a form of mental health care that incorporates faith and spirituality into the treatment process.

It is designed to help individuals, couples, and families cope with life’s challenges in a way that is consistent with their Christian beliefs.

You can expect to receive support from a qualified counselor who will provide you with guidance and advice as you work through your issues with appropriate documentation.

Christian counseling services may include individual therapy, marriage counseling, family therapy, crisis intervention, parenting support, and more.

Additionally, many counselors offer resources such as Bible studies or referrals to other Christian organizations for further assistance. There are even Christian career counselors, but in this article we’ll be focusing more on mental health.

Is Counseling Covered By Insurance?

Yes, counseling is typically covered by an insurance policy. Depending on your specific health plan, you may be able to access therapist visits and group therapy as part of your coverage.

It’s important to note that marriage counseling and couples counseling are not usually covered by insurance, but there are still ways to find affordable therapy for couples.

When looking into health insurance plans, it’s important to check if they cover mental health conditions and provide support, and treatment and cover the cost of recovery.

The law requires that health insurance plans must cover therapy for mental issues in the same way they cover traditional physical illnesses.

Is Christian Counseling Covered By Insurance?

The answer to the question “Does taking insurance cover Christian counseling?” is not a simple yes or no.

Generally, insurance companies do not pay for “Christian” counseling, but they may cover some of the cost of therapy if an individual has been diagnosed with a mental health condition.

Additionally, you can use FSAs and HSAs to pay for therapy to help lower costs.

Finally, insurance companies will usually partially reimburse you for costs associated with therapy, including Christian trauma counseling. This can be a useful option because even though the full costs aren’t covered (often), you can still save money.

Can Christian Counselors Accept Insurance?

It is possible for Christian counselors to accept insurance, though it is not a common practice.

You may want to check with your local Christian counseling center to see if they accept insurance.

Generally, insurance companies do not pay for “Christian” counseling since it does not treat “medical” conditions.

However, some therapists can use out-of-network benefits to get reimbursement from their insurance companies.

Overall, the decision of whether or not to accept insurance is up to the individual counselor and can vary depending on location and provider.

If you are considering using health insurance for your counseling services, make sure you contact your local Christian counseling center directly so that you can discuss payment options available to you.

Do Christian Counselors Take Insurance?

Do Christian counselors take insurance? The answer to this question depends on the individual counselor and the type of insurance you have.

Generally, most Christian counselors do not accept health insurance, but some may accept certain types of insurance.

It is important to check with your counselor before beginning counseling sessions to determine if they accept your specific type of insurance.

Additionally, many Christian counseling centers offer sliding scale fees for those who are unable to pay the full price.

  • When researching whether a Christian counselor takes insurance, it is important to look at the credentials of the counselor.
  • Make sure that they are licensed and certified in their field and that they have experience working with clients who have similar issues as you.
  • Additionally, research the center itself and make sure that it is reputable and has a good reputation in the community.
  • You should also consider whether or not you feel comfortable discussing your faith with a non-Christian counselor. Many mental health professionals are open to discussing faith-based topics, but it is important to find someone who respects your beliefs and values.

Finally, it is important to remember that there are many resources available for those seeking counseling services regardless of ethnicity, religious beliefs, or financial situation.

Do Any Christian Counselors Take Insurance?

According to Credentialing.com1, “In some areas, where a highly-published pastoral counselor was able to get coverage for his services on a case-by-case basis. These situations are very rare, however.”

In other words, very, very few Christian Counselors take insurance and it’s very rare when they do.

Do Churches Offer Reduced Fees for Christian Counseling

Yes, churches do offer reduced fees for Christian counseling. You may be able to find reduced fees through a variety of ways, such as an internship training program, an in-house benevolence program, or partnering with local churches.

Additionally, some churches have Church Assistance Programs (CAP) contracts that provide mental health services at a reduced rate. Many churches also offer free counseling services as a ministry of the church.

When looking for reduced-fee services for Christian counseling, it is important to research the different options available to you.

For example, many network churches can support counseling for their members with assistance for counseling fees. Additionally, some Christian counselors offer sliding-scale fees and free donation basis services.

Why Do Christian Counselors Not Take Insurance?

Christian counselors typically do not take insurance because they are not treating “medical” conditions, and insurance companies will not pay for therapy unless there is a mental health disorder code on the receipt/bill.

This means that many counselees who cannot afford biblical counseling often turn to secular therapists who accept insurance.

You may find it beneficial to seek out a Christian counselor who does not accept insurance if out-of-pocket costs are manageable.

What Is The Difference Between Counseling And Christian Counseling?

The difference between counseling and Christian counseling is an important one to consider when seeking mental health services.

Generally speaking, counseling is a type of therapy that focuses on the individual’s problems and how to resolve them, while Christian counseling takes a more spiritual approach and looks at how God can help heal the person’s life.

You may find that a licensed therapist who is a Christian will approach counseling differently than secular counselors do. For example, they may focus on how you can forgive those who have hurt you in the past or look at your relationship with your parents from a Biblical perspective.

On the other hand, secular counselors are likely to use more traditional strategies such as cognitive-behavioral therapy or psychodynamic therapy.

It is important to note that both types of counseling can be beneficial depending on your needs and preferences.

Ultimately, of course, it is up to you to decide which type of counselor best meets your needs.

Can You Charge For Christian Counseling?

Should Christian Counselors Charge?

It is important to note that the New Testament speaks to pastors and elders about charging fees for services but does not explicitly state whether or not biblical counselors should charge fees.

See the PDF2 titled “Charging Fees for Biblical Counseling” for a thought-provoking debate based on biblical sources that attempt to resolve problems such as:

  • Should the commencement or maintenance of a ministry relationship ever be contingent on the payment of a fee?
  • Should the fulfillment of a biblical duty to care for God’s people ever be contingent on payment?
  • Is it biblically permissible to charge for biblical counseling?
  • Are these questions readily answered “yes” by a simple reference to biblical passages stating that “laborers deserve their pay”?

Should You Pay Your Pastor For Counseling?

When deciding whether or not to pay your pastor for counseling, it is important to consider the context of the situation.

Generally speaking, pastors offer counseling services as part of their pastoral ministry and do not charge a fee.

However, some pastors may charge a fee for premarital counseling based on the number of sessions held with couples.

The Bible does mention that “the laborer is worthy of his wages,” so it is important to pay pastors fairly if they are providing counseling services.

Ultimately, it is up to you and your pastor to decide what works best in each situation.

Is Christian Counseling Covered By Insurance Conclusion: 

In general, most insurance providers do offer some level of coverage for mental health services including Christian counseling—though the extent to which these services are covered can vary widely depending on the insurer and plan type you choose.

To ensure you have access to the best care possible at an affordable price, it’s always best to research your options carefully before choosing a plan and make sure that all your questions are answered before signing up for coverage. There are even free online Christian counseling resources.

That way, you can rest assured knowing that you have the support you need when tackling tough challenges in life.

Finally, our team would love to hear from you! Please let us know if you have any questions about Christian marriage therapy topics or suggestions about what mental health product or service Online Mental Health Reviews should purchase and review next.

If you know of discounts, horror stories, or have personal experience with one of the products we review, please share in the comments section. The mental health journey begins and ends with the stories well tell ourselves, so do share yours!


  1. (n.d.).
  2. CHARGING FEES FOR BIBLICAL COUNSELING? (n.d.). In Christian Discernment. Retrieved March 21, 2023, from

More Resources on the Christian Faith

Here, you’ll find links to our articles, studies, and compiled lists of resources pertaining to various Christian topics.

  1. Is Christian Counseling Covered By Insurance?
  2. Finding Christian Marriage Counseling Near Me
  3. How Online Christian Marriage Counseling Can Help Your Relationship
  4. Christian Marriage Counseling in Houston, Texas
  5. Understanding Black Christian Marriage Counseling

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