|
About Insurance Coverage Does my policy include a mental health benefit? If yes: · Does my policy cover Licensed Professional Counselors (LPCs)? If yes: · Does my policy cover out-of-network LPCs? If yes: · How much will my policy pay for a one-hour psychotherapy session? · How much will my policy pay for a 90-minute session? · How much will my policy pay for a two-hour session? · How much psychotherapy is covered per year? · Is my mental health deductible part of, or separate from, my medical deductible? · What is my yearly mental health and/or medical deductible? · How much of my deductible have I met this year? · Can I pay my therapist out-of-pocket and submit my session receipts for reimbursement? If yes: · To whom should I mail or fax the receipts? · Once I mail in a receipt, how long before I receive a reimbursement check? · Do you require pre-certification? If yes: · Who must obtain the pre-certification? (e.g. myself, my therapist, either) · Can this be done over the phone? If not, What is the procedure for pre-certification? · How many sessions will likely be pre-certified at a time? · Who should be contacted to authorize the pre-certification? · Is there anything else I should know? |