Insurance Reimbursement
Insurance networks can usually cover 60-80% of the cost of out-of-network psychotherapy after you meet your deductible, making this endeavor a lot more affordable.
If you are not sure of your insurance benefits, call the member services phone number on the back of your insurance card to speak to a representative. You can ask the following questions to inquire about your network and benefit options:
1. Do I have out of network coverage for outpatient behavioral health services?
2. If so, what is my annual deductible? When does it begin and how much of it have I already met?
3. What percentage of each session do you reimburse? (The average is 70%; by law, they must give you a direct numeric answer).
4. Is there a form that must be filled out for reimbursement? If so, where can I find it and what is the best way of sending it to you?