Set aside time for a 15-20 minute call, or browse your provider’s website

Have your insurance card and ID info ready

ASK IF YOU HAVE OUT OF NETWORK BENEFITS, THEN MORE SPECIFICALLY:

Does that include mental or behavioral health out-of-network benefits?

What are the requirements to use out-of-network benefits?

Is prior authorization required?

Is a referral required from my primary care physician?

Do I have an out-of-network deductible?

If no, skip to next question

If yes, ask:

What is my out-of-network deductible?

How much of my out-of-network deductible has been met?

What is the start date of the calendar year my out-of-network policy is based on?

Does my policy cover a diagnostic interview (CPT code 90791) and individual therapy for up to 50 min (CPT code 90837)?

What percentage of the session fee (e.g. $150) do they cover and how much will you be reimbursed?

What is the claim submission process like? What paperwork will you need?