Current Procedural Terminology (CPT) codes are used in the healthcare industry to classify medical, diagnostic, and therapeutic services for billing and insurance reimbursement. In mental health care, CPT codes help providers document the services they offer and ensure they receive appropriate payment from insurance companies.
For couples psychotherapy, specific CPT codes apply depending on whether the session focuses on relationship dynamics, individual mental health concerns, or family therapy.
What is the CPT Code for Couples Psychotherapy?
The primary CPT code for couples therapy is:
- CPT Code 90847 – Family Psychotherapy with the Patient Present
- Used when a therapist conducts a session with the couple (or family) and at least one individual receiving treatment.
- The focus is on treating the identified patient’s mental health condition within the context of their relationship.
- Typically covered by insurance only if it is medically necessary for treating the identified patient’s diagnosis (e.g., depression, anxiety, PTSD).
Another related code is:
- CPT Code 90846 – Family Psychotherapy without the Patient Present
- Used when the therapist conducts a session with one partner or family member without the identified patient present.
- Often used for psychoeducation or discussing relationship dynamics that affect the patient’s mental health.
Does Insurance Cover Couples Therapy?
Most insurance plans do not cover couples therapy if the sole focus is on relationship issues. However, if one partner has a diagnosed mental health condition, couples therapy may be covered under CPT Code 90847 as part of their treatment plan.
To increase the chances of insurance coverage:
- The therapist must document that the session is essential for treating a diagnosed mental health condition.
- The patient’s diagnosis (e.g., major depressive disorder, generalized anxiety disorder, PTSD) must be listed on the claim.
- The therapist must be credentialed with the insurance provider and follow specific billing guidelines.
Private Pay vs. Insurance for Couples Therapy
If insurance does not cover couples therapy, many providers offer:
- Private pay options (self-pay without using insurance).
- Sliding scale fees based on income.
- Package discounts for multiple sessions.
Online therapy platforms like BetterHelp and Talkspace may also provide affordable options for couples counseling.
Other CPT Codes Related to Couples and Family Therapy
| CPT Code | Description | Typical Use Case |
| 90847 | Family therapy with the patient present | Used for couples therapy when one partner has a mental health diagnosis |
| 90846 | Family therapy without the patient present | Used when discussing relationship dynamics without the diagnosed partner |
| 90837 | 60-minute individual psychotherapy | If one partner attends therapy individually |
| 90834 | 45-minute individual psychotherapy | Shorter individual therapy session |
| 90832 | 30-minute individual psychotherapy | Brief therapy session for one partner |
Final Thoughts
The CPT code 90847 is the most commonly used code for couples psychotherapy, but its insurance coverage depends on medical necessity and the presence of a diagnosed mental health condition. Many couples opt for private pay options if therapy is focused solely on relationship improvement rather than treating a mental health disorder.
If you are considering couples therapy, it is best to:
- Check with your therapist to see if they accept insurance and how they bill for couples therapy.
- Contact your insurance provider to confirm coverage for CPT Code 90847 under your plan.
- Explore alternative payment options if insurance does not cover couples therapy.
Regardless of coverage, investing in therapy can lead to stronger relationships, better communication, and improved emotional well-being for both partners.