Update

HallowsEve7

DD'd

BlondeMoment123

Have you considered seeing a pastor for the counseling? Our premarital counseling was done through a pastor and I actually got a lot out of it(as muh as I hated going lol)

skippingstones

Also check community centers Support groups might work out too.

 

I hope you two can work through this hiccup. 

monkeygirl18

Marriage counseling may not be covered by you ins. but is single counseling (for you)? 

The reason I ask, I know from experiance with my Exh and my ins at the time that there is a bit of a loophole. If said counseling is done as a single person session but the partner is brought in to help with the " problems of the one being counseled" the sessions are covered. I had a very nice psychologist who clued me in about that. 

Wine Enthusiast

Do either of your parents work for the government in any way?  I ask because I was able to receive counseling (with H, prior to marriage) because my mom works for a fire station and she said with all gov jobs, the employees family can receive free mental health benefits.  It covered quite a few sessions both individually and together for both of us and H wasn't even technically family.

If not, I'd suggest going just you because I'm almost positive they have to cover individual mental health.  Then once you've established a therapist, ask him/her to offer you a few sessions at a discount as a couple or maybe they'll even allow your H to come and just bill it normally.  I go to most of H's sessions and she does help a lot marriage wise but its all billed under H's health plan as individual.

Sorry you're going through this, it's so upsetting to have marriage problems

EveXmas

I found out that individual counseling is covered by my health insurance. Worth a shot. Also, think about talking to your pastor (depending on your comfort level). My pastor referred me to someone and then said the church has an assistance program to help pay for it.  That being said, churches are one place where you will likely have to really explain your no-kids reasoning. Good luck!

HallowsEve7

Thanks for the feedback and suggestions. H and I are going to look into all those options. We don't have a church we go to regularly and wouldn't feel very comfortable talking about this and why we don't want kids with a pastor. But I'm sure the counselor I'm seeing could suggest someone (insurance does cover individual, but not couples').