When you call your insurance company to verify your mental health coverage, ask the following questions:

  • What is my annual in-network deductible?

  • What is my copay for outpatient mental health?

  • Do I have an annual session limit for outpatient mental health?

  • Do I need a referral from a primary care physician to see a therapist in- or out-of-network?

  • Do I have an additional out-of-network deductible?

  • What is my coinsurance for outpatient mental health?

  • How do I submit out-of-network claims for reimbursement?

On an initial call with a therapist, you can also ask what billing codes they use, which can make it easier to estimate exact costs.

How do I use out-of-network benefits?
What do “in-network” and “out-of-network” mean?