Questions to Ask Your Insurance About Out-of-Network Therapy Reimbursement
When calling your insurance provider, you can ask:
Do I have out-of-network benefits for outpatient mental health services (CPT code 90837 or 90834)?
Do I have a deductible for out-of-network care? If so, how much of it have I met this year?
What percentage of the session fee will be reimbursed after my deductible is met?
Is there a limit to how many sessions are covered per year?
Do I need a referral or prior authorization from my primary care physician?
How do I submit a superbill or claim for reimbursement?
How long does reimbursement typically take?
Will the reimbursement be sent directly to me, or to the provider?