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 deductible, coinsurance, 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?

What you pay depends on your specific plan and whether you've met your deductible. As an out-of-network provider that handles the billing for you, we submit your claims and explain any out-of-pocket cost up front — no claim forms or surprise bills for you. We confirm your out-of-network benefits 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.

How to start using your benefits

• Reach out to a NYSHIP-specialist provider and share your plan details.
• Get a free verification of your out-of-network benefits 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.