Some health insurance companies will cover part or all of the cost of your mental health care. It is your responsibility to verify your individual plan and coverage. Whether or not you use insurance to cover your mental health costs, you are ultimately responsible for payment of your bill. We suggest that you contact your insurance company and make sure that you understand the specifics of your benefit plan before engaging in an evaluation or course of psychotherapy. When contacting your insurance company, let them know that you are calling to verify your outpatient mental health benefits. Below are some questions you might find useful to ask your insurance provider:
- Do I have outpatient mental health benefits?
- Does my policy require me to be seen by a provider who is contracted with you? If so, how do I locate a list of providers that are contracted with you or can you provide me with three or four names of contracted providers?
- Does my policy require a referral from my primary care physician before my initial appointment?
- Does my policy require preauthorization for services and if so, how do I get that?
- Is there a deductible? How much?
- Is there a co-payment or co-insurance and if so, how much?
- What are the max number of sessions or maximum dollar limits of the benefit?
- Are there any diagnosis that are excluded from my policy?