How does therapy through health insurance work in Brazil?
Short answer
Health plans in Brazil do cover psychology sessions, but the number, the network and the conditions vary by contract and insurer. The one who can answer what your plan covers is the insurer — not the psychologist, and not a directory.
In-network or reimbursement
Two common routes. In-network, you see a contracted professional and the plan pays directly. With reimbursement, you choose the professional, pay for the session and claim the amount back — fully or in part, per your contract.
Professionals in private practice often issue a receipt for reimbursement even without being contracted. Worth asking before booking.
What to ask your insurer
Three questions settle most of it:
- How many sessions a year does my plan cover, and is there a waiting period?
- Is it in-network, reimbursement, or both?
- For reimbursement, how much comes back per session?
Frequently asked questions
- Can I choose my psychologist under reimbursement?
- Usually yes, and that is the main advantage of that route. Confirm with your insurer before starting.
- Does IAURA handle insurance?
- No. Fee and receipt are agreed directly with the professional; the platform does not intermediate payment.