How to Get Therapy Approved by Insurance in South Carolina
Getting therapy approved by insurance in South Carolina usually comes down to three things: getting a diagnosis, documenting medical necessity, and using correct billing codes.
Healthy Connections. No expansion limits coverage for many adults.
Get a diagnosis first
Insurance pays for treatment of conditions, not for self-improvement. Your intake session establishes a diagnosis (depression, anxiety, etc.) that authorizes ongoing therapy.
Understand the CPT codes
90791 (intake/evaluation), 90834 (45-minute therapy), 90837 (60-minute therapy), 90847 (family/couples with patient). Your therapist handles these but knowing them helps you understand EOBs.
Pre-authorization
Some plans require pre-auth for ongoing therapy past a certain session count. Your therapist's office usually handles this, but ask specifically: 'Is pre-authorization required for my plan? Is it on file?'
Keep documentation
Save all EOBs, denial letters, and appeal correspondence. If insurance changes its mind later, you have a paper trail.
Letter of medical necessity
For any contested coverage, ask your therapist for a formal letter of medical necessity. It references DSM-5 criteria, your specific symptoms, treatment plan, and prognosis with/without therapy.
South Carolina-specific
Healthy Connections. No expansion limits coverage for many adults.
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