Out of Network Insurance Reimbursement ?s

Here are some helpful questions to ask when calling your insurance provider to ask about reimbursement:

• Does my plan provide me with out-of-network benefits for psychotherapy or counseling?

• Am I covered to see a Licensed Marriage and Family Therapist?

• Is there a deductible I need to meet before you will reimburse me?

• How much of the fee will be reimbursed? This is typically between 20 - 80% of the session fee.

• Please note: If they will cover a percentage of the “allowed fee” and use that term, ask how much the allowed fee is. People often mistake this for the full fee, but it might be much lower. For instance, the “allowed fee” may only be $80, so if they cover 40%, you will only be reimbursed $32 per session.