Why Insurance Might Be Hurting Your Marriage More Than Helping

Here’s a truth most couples don’t find out until they’re already knee-deep in a crisis:

Insurance doesn’t actually cover couples therapy.
Not in the way you think.

To use insurance, one partner has to be diagnosed with a mental health disorder. That diagnosis becomes a permanent part of your medical record—a pre-existing condition that may affect future coverage, even outside of therapy.

And when both partners are in the room? The therapist takes a significant pay cut.
Why? Because insurance codes weren’t built for marriages—they were built for medical models. The moment it’s labeled as “relational,” reimbursement drops. Therapists are disincentivized. Care gets cut short. Everyone loses.

Oh—and let’s not forget session caps.
Insurance companies can decide how many sessions you get, how often you can go, and whether your marriage is "worth" more support. You’re no longer the client. They are.

But here’s what happens when you invest privately in couples therapy:
You regain control.
You decide the pace.
You build something that’s not shaped by someone else’s spreadsheet—but by your commitment to growth.

Because your marriage is too important to leave in the hands of a company that’s never sat in your living room.

If you're ready to take ownership of your healing journey—Marriage in Bloom offers private-pay tracks built around your needs, your goals, and your future.
https://debbiecaudle.com/therapy-for-christian-couples/

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