Using out-of-network insurance benefits

Many insurance plans provide out-of-network mental health benefits, which means you may be able to receive partial reimbursement for therapy services.

If your plan includes these benefits:
• You pay for the session at the time of service
• A detailed session receipt can be provided
• You submit the receipt to your insurance company
• Your insurance provider may reimburse a portion of the session cost

Because every plan is different, it is helpful to contact your insurance provider directly to understand your coverage.

Questions to ask your insurance company

If you plan to use out-of-network benefits, you may want to ask your insurance company the following questions:
• Do I have out-of-network mental health benefits?
• What is my out-of-network deductible?
• How much of the session fee will be reimbursed after my deductible is met?
• Is there a limit to the number of sessions per year?
• Do I need pre-authorization for therapy services?
• What is the procedure for submitting out-of-network claims?