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Questions To Ask Insurers

The following is a list of questions that we would encourage you to ask your health insurance provider:

Does your company manage my family’s mental health benefits or is another company “subcontracted” or “carved out” to manage my mental health benefits?

Are any of the following covered by my plan?

  • Mental Health benefits
  • Occupational Therapy benefits
  • Speech Therapy benefits
  • Physical Therapy benefits

Do I have a visit limit each calendar year?                                                     

Do I have a deductible?

What is it?                                                   

Do I have a co-pay?

What is it?                                                   

Do I have any coinsurance?

What is it?                                          

Do I need a referral from my primary care physician to see a mental health professional?

Do I need pre-approval from my insurance carrier before seeing a mental health professional?

Are services covered for providers who are out of network?

If services are covered for providers who are out-of-network, are those services covered differently than services provided by in-network providers?