After weighing the pros and cons of using third-party payment for mental health expenses, it is extremely important that you call your insurance company to VERIFY what your plan covers with a specific provider BEFORE your first session.

Questions to ask:

1. What are my mental health benefits for In-Network providers?
2. What are my mental health benefits for Out-of-Network providers?
3. Is provider number {NPI} in or out of network with my PLAN?
4. What is my coverage for service code 90791 and 90837?
5. Does my plan require a copay or coinsurance?
   • If copay, what dollar amount? ($25, $40, etc)
   • If coinsurance, percentage? (10%, 25%, 40%, etc)
6. Does my plan have a deductible that needs to be met before insurance pays?
   • If yes, how much is it?
   • How much have I met for the year?
   • Does my plan run on a calendar year?

1. What are my in-network benefits?
2. What are my out-of-network benefits?
3. Do I have a high deductible plan?
4. Do I have a low deductible plan?
5. Is my plan copay or coinsurance?
6. Is my specific therapist in or out of network with my plan? (offer NPI)