Does Blue Cross Blue Shield cover EMDR therapy?
Yes, Blue Cross Blue Shield plans cover EMDR therapy under standard mental health benefits. BCBS uses the same psychotherapy CPT codes (90834, 90837) as other insurers and recognizes EMDR as an evidence-based treatment. Coverage varies by state and plan type. Loma accepts most BCBS plans and can verify your benefits.
BCBS EMDR coverage details
Blue Cross Blue Shield is a federation of 34 independent companies, so coverage details vary by state and plan. However, all BCBS plans include mental health coverage under federal parity requirements, and EMDR is recognized as a standard psychotherapy. BCBS plans in Texas, California, Florida, New York, and other states all cover EMDR when provided by a licensed, credentialed therapist.
How EMDR is billed with BCBS
- CPT codes
- EMDR is billed using standard codes: 90834 (38-52 minutes) or 90837 (53+ minutes). Some BCBS plans also allow the G2212 add-on code for prolonged psychotherapy sessions exceeding the typical time. No EMDR-specific authorization codes are required.
- Typical copay
- BCBS copays vary significantly by plan and state. Typical in-network mental health copays range from $20-60. Many BCBS HMO plans have lower copays than PPO plans. Out-of-network coverage varies widely — some plans cover 60-80%, others may not cover OON providers.
- Prior authorization
- Most BCBS plans do not require prior authorization for outpatient psychotherapy, including EMDR. Some plans may require notification or authorization after a certain number of sessions. Intensive outpatient programs typically require pre-approval.
- Session limits
- Federal mental health parity laws prohibit arbitrary session limits. However, BCBS plans may use "medical necessity" reviews to evaluate ongoing treatment. A treatment plan from your therapist typically satisfies these reviews.
Finding BCBS-covered EMDR therapists
BCBS networks vary by state. BCBS of Texas, Anthem BCBS, and other regional plans each have their own provider networks. Loma verifies your specific BCBS plan and matches you with EMDR-trained therapists who accept it.
Frequently asked questions
- Which Blue Cross Blue Shield plan do I have?
- Check your insurance card for the specific BCBS company (e.g., BCBS of Texas, Anthem BCBS, Highmark BCBS). The three-letter prefix on your member ID indicates which plan. Loma can help verify your coverage regardless of which BCBS company you have.
- Does BCBS cover out-of-state telehealth EMDR?
- This depends on your plan and the therapist's licensing. Many BCBS plans cover telehealth across state lines if the therapist is licensed in your state. Loma matches you with therapists licensed in your state to ensure coverage.
- Is EMDR covered by BCBS Federal Employee Program (FEP)?
- Yes. BCBS FEP covers mental health services including EMDR under its standard benefits. FEP is one of the most comprehensive BCBS plans with strong mental health coverage.
- How do I appeal if BCBS denies EMDR coverage?
- Denials are rare for standard outpatient EMDR. If denied, request the reason in writing, then appeal with documentation of medical necessity (WHO, APA, VA endorsements). Your therapist can provide supporting documentation.
Other plans: Curative · Aetna · Cigna · UnitedHealthcare · All insurance plans
Get matched with a verified, EMDR-trained therapist covered by your insurance — usually within 48 hours. In Texas? See EMDR therapy in Texas.