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Most health insurance provides coverage for mental health issues. However, there are often "sub-limits" for that benefit. That is, that the insurer may pay only a fixed dollar amount for mental health services, or for a stated number of visits per insured per year. That sub-limit is usually less than the aggregate annual benefit that the insurer agreed to pay for medical issues.
The insurance policy will probably also dictate the type of provider who can be used in order for the insured to obtain the benefit (for example, an M.D. who is a psychiatrist vs. a PhD who has a mental health practice).
The terms of the policy will also probably address whether family therapy is a covered service. Odds are, the practitioner would start therapy with one member of the family and bring others in as therapy progresses and problems are identified through the theraputic process.
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