almedafan, I have experience with getting reimbursement from 3 different insurance plans (different companies) for mental health issues and counseling. None of them will reimburse for marriage or couples counseling or any type of family therapy. Basically, if there is more than one person in the room, it is not covered. Are you sure your insurance covers family therapy?

If it turns out you are lucky and your insurance will reimburse for family/couples therapy, if it were me, I would not "double dip" and submit claims from 2 different therapists for depression. Ask her for a different diagnosis, perhaps the NOS. Or better yet, have your husband take the diagnosis and submit the claim. He could use NOS and submit to his insurance (or yours) but it is from a different person on the plan so it shouldn't impinge on your claims at all.

As for the therapist "choosing" the diagnosis to put down from among several choices just to get reimbursement--yes, they play the game. For individual psychotherapy, usually a mood disorder such as depression is one of the least serious diagnosis codes they can write down and get reimbursed, so they are doing clients a favor to write down something so benign (when maybe it could be more serious). I've looked into this for my daughter and what would be the least serious diagnosis they could give her and still get reimbursed. I think it is something like "mood disorder, unspecified". As of yet we haven't submitted claims for her, but it is really nice her therapist is willing to work with us on this because I am sensitive to the fact she is a minor and I don't want stuff going into her permanent record that might impact her future options.