- Contact your insurance company to discuss your coverage for mental health treatment so you are clear on your benefits and financial responsibility. Below are a list of helpful questions to ask the insurance company when you call. Your clinician will do her best to help you understand the information you gather if you need assistance.
- Do I have to get a referral from my primary care physician or employee assistance program to receive mental health services?
- Is there a "preferred list of providers" or specific "network" that I must see? What are my out-of-network benefits if the provider I want to see if not in my "network"?
- Is there an annual deductible that I pay before the plan pays for a mental health office visit? If so, what is my annual deductible? What amount of my deductible, if any, has been met this year so far?
- Is there a co-pay I pay for each visit (example: $25/visit) or do I have co-insurance (example: I pay 20% and the plan pays 80%).
- Are there limits on the number of visits per year? Will my provider have to send reports to the managed care company?
Download and complete all applicable forms.- Write down any questions and/or concerns you have about the information provided on the forms or psychotherapy in general. You can either call your clinician ahead of time with these questions/concerns or bring them with you to be discussed at your initial session.
- Take a deep breath! Investing in your mental health is not easy, but we hope that you find it well worth it.
