I hope these “Questions to Ask Your Insurance” help you get clear on your coverage, what’s included, and what you might be responsible for. It’s important to me that clients have access to clear, upfront information about the cost of care—so there are fewer surprises and more room to focus on the work that really matters.

IN-NETWORK BENEFITS

• What’s my deductible for in-network mental health benefits?

• Is there a limit on sessions my plan will cover per year?

  • If Yes, How many?

• Does my policy cover 60 minute sessions?

  • If yes, how many?

• How much is my co-payment for mental health services?

• What is the policy year (i.e. Jan 1 – Dec 31)?

• Does my plan require pre-authorization for psychotherapy?

• Do I have out-of-network mental health benefits?

OUT-Of-NETWORK BENEFITS

• Does my plan include “out-of-network” coverage for mental health?

• Is there an annual deductible for out-of-network mental health benefits?

  • If so, how much?

• Is there a limit on the number of sessions your plan will cover per year?

  • If Yes, How many?

• Is there a limit on out of pocket expenses per year?

• What is my co-insurance percentage for mental health services?

• Does my plan require pre-authorization for psychotherapy?

• What is the policy year (i.e. Jan 1 – Dec 31)?

• Does my plan require a referral for psychotherapy?

• What is the reasonable and customary fee for my county?

(Reasonable and customary fee the amount that your plan determines is the normal range of payment within a given geographic area)