Call your insurance company.
You can locate the member services phone number on the back of your insurance card.
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Insurance Guide
Step 1
Step 2
Find out if you have out-of-network benefits.
Ask the rep: "Does my plan include *out-of-network* benefits for mental health care? Specifically, for outpatient psychotherapy virtually?".
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Step 3
Find out if you owe a deductible before the coverage kicks in.
Ask the rep: "Do I have a deductible for out-of-network mental health services, and if so, what is the remaining amount I would have to pay before my health plan starts to reimburse me for any fees I pay out-of-pocket?"
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Step 4
Find out how much your plan will reimburse you.
Ask the rep: "What is the maximum amount my plan will reimburse for mental health service code 90837 (individual) or 90847 (family) with a therapist?" If the rep does not provide a clear answer, ask: "What is the maximum allowed amount for mental health service code 90837 with a therapist, and what percentage of the maximum allowed amount will my plan pay?" (This percentage of the maximum allowed amount is the amount you would receive as reimbursement.)
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Reimbursement
In some cases, you can get reimbursed for a portion of the visit.
You may be able to have your insurance company approve what is called a “single case agreement” to cover the cost of an out-of-network provider.
In order to use insurance, a psychiatric diagnosis is placed on your permanent medical record. Paying privately for your services allows you to have your information kept completely private. It also provides greater flexibility for the number of sessions you wish to have.