questions to ask your insurance about out of network coverage
Does my policy include mental health benefits? If so, does my policy cover out-of-network therapists?
What percentage of service costs with out of network providers does my policy cover?
How many sessions are covered per year? Are there dollar or calendar limits to my coverage?
How much will my policy pay for a 60 minute psychotherapy session (procedure code 90837)?
What is my deductible for out of network mental health services, and is it separate from my medical deductible?
How much of my deductible have I met this year, and how much is remaining?
Does my policy cover Associate Clinical Social Workers (ACSWs)?
Can I pay my therapist out-of-pocket and submit a superbill for reimbursement?
What is the process of submitting superbills, and what is the timeline for reimbursement?
Do you require pre-approval or pre-certification of sessions, and if so, what is the process for that?