Questions to ask your insurance provider regarding your Out-of-Network Benefits. 

1.Does my plan cover mental health outpatient visits?  
2.Does my plan cover out-of-network providers?
3.How many sessions can I be seen for in one year?
4.How much will my reimbursement be if the therapy session (CPT 90837) is $145?
5.Do I have a deductible I have to satisfy? 
6.Do I have to fill out any paperwork or have pre-certification prior to seeing a provider?

 
Glossary
1.Deductible:  Money you pay out-of-pocket before you insurance covers your expenses.
2.Out-of Network:  A provider who has no contract agreement with your insurance company.
3.Pre-Certification:  A process of pre-approval from your insurance company to activate your mental health benefits.  This can be done online at your insurance company’s website or by calling them; this is a yearly process. Your insurance company will send you a letter confirming pre-approval or you may be able to print it from the website immediately.  Often times if your company requires pre-certification for mental health services but you do not request pre-certification before your first appointment, you could be responsible for appointment fees.  When you make your first appointment to see a provider, the person scheduling the appointment may ask you for your pre-certification number before you meet with the provider.