Ask Your Insurance Company
We encourage all patients to reach out to their insurance company(s) to explore the following aspects related to your mental and physical health benefits. Here are some helpful questions and outlines to use when calling your Insurance Company.
-
Question #1
Do my insurance benefits cover mental health services provided by both in-network and out-of-network providers? I need to understand the extent of my coverage and whether I have options in choosing a provider. -
Question #2
Is the clinician I am considering a participating mental health provider within my insurance network? Knowing if my preferred clinician is aligned with my insurance plan would help me make informed decisions about my care.
-
Question #3
When do my mental health benefits begin and renew each year? Having clarity on the timing of my benefits cycle would allow me to plan my appointments effectively and make the most of my coverage.
-
Question #4
What is the deductible I need to meet before my insurance covers visits to my clinician? Understanding my financial responsibility upfront would help me budget and prepare for any out-of-pocket expenses.
-
Question #5
How much of my deductible has been met thus far this year for mental health services? It would be helpful for me to know where I stand financially and whether I have reached my deductible threshold.
-
Question #6
How many therapy sessions am I allowed per year under my insurance plan? Knowing the limitations on the number of sessions would help me plan my treatment and utilize my benefits effectively.
-
Question #7
What is the co-payment amount or co-insurance percentage I am responsible for per therapy appointment? Clarifying my financial responsibility per appointment would help me budget and plan for any out-of-pocket costs.
-
Question #8
Do I need pre-authorization from my insurance provider before scheduling appointments with my clinician? Understanding any pre-authorization requirements would streamline the appointment scheduling process and ensure timely access to care.
-
Question #9
Are there any Health Reimbursement Arrangement (HRA) or Health Savings Account (HSA) funds available to help cover my deductible and out-of-pocket expenses for mental health services? Exploring additional funding options would help me offset my healthcare costs and maximize my financial resources.
