Insurance Reimbursement FAQs

Some insurance networks may cover 60-80% of the cost of out-of-network psychotherapy after you meet your deductible.

If you are not sure of your insurance benefits, call the member services phone number on the back of your insurance card to speak with a representative. You can ask the following questions to inquire about your network and benefit options:

• Do I have out-of-network (POS or PPO) coverage?
• If so, do I need pre-certification (not authorization)? If so, ask the representative to pre-certify you immediately.
• How many sessions am I entitled to per year?
• What is my annual deductible? (This is the amount that you will pay out-of-pocket prior to getting reimbursement from your insurance.)
• When does my deductible begin?
• What percentage of each session do you reimburse? (The average is 70%. They MUST give you a direct numeric answer; it is the law.)
• Is there a form that must be filled out for reimbursement? If so, where can I find the form?