Florida Blue Therapy Coverage

We Accept Florida Blue for Therapy and Counseling

Yes, Marriage and Family Services is an in-network provider with Florida Blue, the largest health insurer in the state of Florida. If you have a Florida Blue plan, you can use your behavioral health benefits for individual therapy, marriage counseling, couples therapy, family therapy, child therapy, and TMS treatment at any of our three offices.

As a Florida-based practice serving a Florida-based insurer, we have deep familiarity with how Florida Blue plans work for mental health services. Our team verifies your benefits before your first appointment so you know your copay, deductible status, and coverage details upfront.

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Two people sit facing each other on a couch, one clasping their hands, with papers and a pen on a glass table nearby, suggesting a counseling or therapy session.

What Does Florida Blue Cover for Mental Health?

Florida Blue plans provide coverage for outpatient mental health and behavioral health services under the federal Mental Health Parity and Addiction Equity Act. This means your mental health benefits must be comparable to your medical and surgical benefits.

Covered services at our practice include:

  • Individual therapy for depression, anxiety, PTSD, trauma, ADHD, and other conditions
  • Marriage counseling when a diagnosable mental health condition is present
  • Couples therapy with a clinical diagnosis
  • Family therapy and child therapy sessions
  • TMS therapy for treatment-resistant depression (pre-authorization required)
  • Telehealth sessions covered at the same rate as in-person visits

Most Florida Blue plans cover outpatient mental health visits after your deductible is met, with a copay or coinsurance for each session. In-network copays typically range from $20 to $50, though some Florida Blue plans have $0 copays for behavioral health visits.

Florida Blue plans purchased through the Health Insurance Marketplace (ACA plans) are required to include mental health coverage as an essential health benefit.

How to Use Your Florida Blue Benefits at Our Practice

Step 1: Verify Your Coverage

Before your first session, confirm your behavioral health benefits by:

  • Calling the member services number on the back of your Florida Blue card
  • Logging into your FloridaBlue.com member account
  • Contacting our office, and we will check your Florida Blue benefits for you

Ask about: your copay for outpatient behavioral health, whether your deductible applies to mental health visits, any annual session limits, and whether pre-authorization is needed for your visit type.

Step 2: Book Your Appointment

Book your first session at our Plantation, Tampa, or North Miami location, or opt for a telehealth session from anywhere in Florida. Let us know you have Florida Blue when scheduling.

Step 3: Attend Your Session

Bring your Florida Blue insurance card and a photo ID to your appointment. We file all claims directly with Florida Blue. You pay only your copay or coinsurance at the time of your visit.

Which Florida Blue Plans Do We Accept?

We accept most Florida Blue plans, including:

  • Florida Blue PPO (BlueOptions)
  • Florida Blue HMO (BlueCare)
  • Florida Blue EPO
  • Florida Blue Medicare Advantage (Medicare Blue)
  • Florida Blue Marketplace (ACA) plans
  • Florida Blue employer-sponsored plans
  • Florida Blue Federal Employee Program (FEP Blue)
  • Florida Blue MyBlue plans

Florida Blue is the state’s Blue Cross Blue Shield affiliate, covering more than 5 million Floridians. If you are unsure whether your specific plan is accepted at our practice, contact our office for a quick eligibility check.

Two people on a bench; one sits with head in hands, the other lies down with legs stretched out. Food bags and drinks are on the ground nearby. Green trees in the background.
A couple sits on a couch having a conversation with a therapist, with water glasses and a notebook on the table in front of them.

Florida Blue Coverage for TMS Therapy

Florida Blue covers TMS therapy for treatment-resistant depression when clinical criteria are met. The typical requirements include documentation of at least two failed antidepressant trials from different medication classes.

Our team handles pre-authorization with Florida Blue. We gather your clinical records, submit the request, and confirm approval before beginning your TMS treatment. The process usually takes 1-2 weeks.

Our Locations That Accept Florida Blue

All three of our Florida offices are in-network with Florida Blue:

 

  • Plantation, FL — Serving Broward County including Fort Lauderdale, Davie, Weston, Sunrise, and Pembroke Pines
  • Tampa, FL — Serving Tampa Bay including South Tampa, Brandon, Carrollwood, Wesley Chapel, and Riverview
  • North Miami, FL — Serving Miami-Dade County including Aventura, Miami Shores, Hialeah, and Miami Gardens
  • Telehealth — Available throughout Florida with the same Florida Blue coverage as in-person
A man and woman sit on a couch having a serious conversation, with another person seated nearby holding a clipboard, suggesting a counseling or therapy session.

Frequently Asked Questions About Florida Blue Coverage

Do I need a referral to see a therapist with Florida Blue?

It depends on your plan type. Florida Blue PPO (BlueOptions) plans generally do not require a referral for outpatient mental health services. Florida Blue HMO (BlueCare) plans may require a referral from your primary care physician. Check your plan documents or call member services to confirm.

Florida Blue is the Blue Cross Blue Shield affiliate for the state of Florida. If your card says “Florida Blue” or “Blue Cross Blue Shield of Florida,” your plan is administered by the same company. We accept Florida Blue plans, and if you have a Blue Cross Blue Shield plan from another state, contact our office to verify whether your plan provides out-of-area coverage at our practice.

Yes. Florida Blue covers child and adolescent therapy for diagnosable conditions including anxiety, depression, ADHD, behavioral issues, and trauma. Our practice has therapists who specialize in child therapy and play therapy at all three locations.

Your cost depends on your specific Florida Blue plan. In-network copays for behavioral health visits typically range from $20 to $50 per session. Some plans, particularly ACA Marketplace plans, offer $0 copays for behavioral health. We verify your exact cost before your first appointment.

A couple sits on a couch having a conversation with a therapist, with water glasses and a notebook on the table in front of them.

Book Your First Session With Florida Blue

As the largest insurer in the state, Florida Blue covers millions of Floridians for mental health services. We make it simple to use your benefits. Book your appointment today or contact us to verify your Florida Blue coverage.

For all accepted insurance plans, visit our insurance page.

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We’re Now Open in Stuart, FL!

Marriage & Family Services is proud to announce the opening of our newest office in Stuart, Florida. We are welcoming clients at our new location and look forward to supporting even more individuals, couples, and families in the community.

Stuart Location
1111 SE Federal Highway Suite 120
Stuart, FL. 34994

Coming Soon | New office in Tallahassee, FL!