What are some questions I should ask my insurance?

• Does my plan include out-of-network benefits for mental health care? Specifically, for outpatient psychotherapy?

• Do I have a deductible for out-of-network mental health services? If yes, what is the remaining amount I will have to pay before my health plan starts to reimburse me for fees that I pay out-of-pocket? (You may have to pay a certain amount out of pocket before you may be reimbursed.)

• “What is the maximum amount my plan will reimburse for mental health service code 90834 (individual therapy) or 90847 (couple or family therapy) with a Psychotherapist?” If the rep does not provide a clear answer, ask: “What is the maximum allowed amount for mental health service code 90834 or 90847 with a psychotherapist, and what percentage of the maximum allowed amount will my plan pay?” (This percentage of the maximum allowed amount is the amount you would receive as reimbursement.)

• How do I submit a reimbursement?

• When can I expect my reimbursement check to come my way?