Determining your out-of-network
Behavioral Health Benefits

I am not a provider for any insurance plans. However, most insurance companies will reimburse you according to guidelines they have established for out-of-network providers. This means that your insurance company may cover some or all of the costs of your appointment, but you will be responsible for filing the claim to be reimbursed for your payments. At the end of every month we meet I will provide you with an invoice to submit for possible reimbursement. Please note that in order for you to be reimbursed by your insurance company, I am required to provide a mental health diagnosis.

It is your responsibility to research your out-of-network insurance benefits. In order to determine what your benefits are, please do the following:

• Call the customer service number on the back of your insurance card (for Behavioral Health)
• Tell them that you will be seeing a licensed therapist that is an out-of-network provider.
• Ask what the reimbursement rate is (varies between companies)
• Ask if you must meet a deductible before your benefits go into effect.
• Ask if there is an annual limit on what they will pay, or a lifetime limit.
• Ask if there is a maximum number of visits per year.

Write this information down for your records. Be sure to record the name of the person(s) you spoke with, and the date and time of day of your phone call.