Does my plan include coverage for mental health services?
Are out-of-network therapists covered under my plan? If so, what out-of-pocket costs might apply?
What is my deductible for out-of-network mental health services?
Does my plan reimburse for services provided by a Licensed Marriage & Family Therapist (LMFT)?
If so, what is the reimbursement rate for an initial intake session (CPT code 90791) and for 60-minute therapy sessions (CPT code 90837)?
How many psychotherapy sessions are covered per year? Are there any dollar or calendar limits to my coverage?
Can I pay my therapist directly and submit a Superbill for reimbursement?
Where should I send my Superbill for processing?
Once submitted, how long does it typically take to receive reimbursement?
Do you need pre-approval or pre-certification for sessions to be eligible for coverage or reimbursement?
If so, who is responsible for obtaining pre-approval: me, my therapist, or either?
Can this be done over the phone, or is there a specific process I should follow?
How many sessions can be approved at one time?
Who should I contact to handle the authorization for pre-approval?