Checking Out-of-Network Insurance Benefits

Here are some step-by-step instructions for getting clear about your health insurance benefits for psychotherapy. 

The best way to be absolutely sure of your benefits is to call your insurance company member services line—this number is often on the back of your insurance card. Sometimes there is a separate phone number for mental health (or behavioral health), and this is usually the number you want to call. Ask the insurance company:

1. What is my out-of-network deductible for outpatient mental health? Is this separate from my in-network deductible?
2. How much of my deductible has been met this year?
3. What is my out-of-network coinsurance for outpatient mental health?  Or at what rate will I be reimbursed for out-of-network services?
4. How do I submit claim forms for reimbursement? How long will it take for me to be reimbursed?

For many insurance companies, submitting claims is quick and easy, and you can get reimbursed within just a few weeks.