Questions for In-Network Benefits

·       What’s my deductible for in-network mental health benefits?

·       Is there a limit on sessions your plan will cover per year?

·       If yes, how many?

·       How much is your co-payment for mental health services?

·       What is the policy year (i.e. Jan 1 – Dec 31)?

·       Does your plan require pre-authorization for psychotherapy?

·       Do I have out-of-network mental health benefits ?

Questions for Out-of-Network Benefits

·       Does your plan include “out-of-network” coverage for mental health?

·       Is there an annual deductible for out-of-network mental health benefits?

·       If so, how much?

·       Is there a limit on the number of sessions your plan will cover per year?

·       If yes, how many?

·       Is there a limit on out of pocket expenses per year?

·       What is your co-insurance percentage for mental health services?

·       Does your plan require pre-authorization for psychotherapy?

·       What is the policy year (i.e. Jan 1 – Dec 31)?

·       Does your plan require a referral for psychotherapy?

Please note that this is not an exhaustive list.