Questions to Ask Your Insurance.

If you are interested in exploring your out-of-network benefits, I recommend you call your insurance company (the number can usually be located on the back of your insurance card) and ask the following questions:

• Does my current policy cover mental health (or behavioral health) benefits?

• Does my current policy include a deductible for mental health services? What is the amount and has it already been met?

• Is there a limit to the number of sessions per year my policy allows? If so, how many?

• For services received by an out-of-network provider, how much does my plan cover?

• Does my plan cover the CPT codes 90791 (Psychiatric Diagnostic Evaluation), 90834 (Psychotherapy), and 90837 (Psychotherapy).

• If I'm going to be meeting via Telehealth, does my plan cover the CPT codes 90791-95, 90834-95, 90837-95. 

• Before meeting with an out-of-network provider, do I need to get approval first?

• How do I submit a claim for mental health services? What specific information do I need?