Does the Empire Plan cover therapy?

What NYSHIP and The Empire Plan are

NYSHIP is the New York State Health Insurance Program — the health coverage for state employees, many local government and school employees, retirees, and their enrolled families. The Empire Plan is NYSHIP's flagship option, and it includes meaningful behavioral health benefits.

What's covered for mental health

Under The Empire Plan, outpatient mental health care is generally covered, including:

• Individual therapy and counseling with a licensed provider
• Telehealth (online) therapy sessions by secure video
• Care for anxiety, depression, stress, trauma, and more

Coverage details — like your copay, any deductible, and visit limits — vary by plan year and situation, so it's always worth verifying your specific benefits before you begin.

How much does therapy cost with the Empire Plan?

For most members, the cost of each session is simply a copay. When you see a provider who bills the plan directly, you won't deal with claim forms or surprise bills — you pay your copay and that's it. A provider can confirm your exact copay during a free benefits check.

Does it cover online therapy?

Yes. The Empire Plan covers telehealth the same way it covers in-person visits, so you can meet a licensed New York therapist by secure video from anywhere in the state — usually for the same copay.

How to start using your benefits

• Reach out to a NYSHIP-specialist provider and share your plan details.
• Get a free verification of your exact copay and coverage.
• Begin therapy — online, on your schedule, with billing handled for you.

This article is general information, not a benefits determination. Coverage varies by plan and individual circumstances — always verify your specific NYSHIP / Empire Plan benefits before starting care.