Questions to Ask Your Insurance Company:
If you want insurance to reimburse you for therapy services, call the number on the back of your card and ask them these questions to get a better understanding of your policy:
Do I have out-of-network benefits for individual mental health therapy?
Is any pre-approval required before engaging in services with an out-of-network provider? If so, what are the steps?
What percentage of the session fee I pay upfront will be reimbursed to me?
Do I have a deductible? Is there a separate out-of-network deductible? How much has been satisfied already?
What is the process for reimbursement? What is the timeframe to submit claims?
Once a claim is submitted, how long until I can expect to see a reimbursement payment?
Does your employer have an EAP (employee assistance program)? Some of these programs allow you to see a therapist of your own choosing and will reimburse a number of sessions at 100%. Can't hurt to ask!