Will My Insurance Plan Cover Therapy Sessions?

Insurance plans come with different kinds and levels of coverage – some cover mental health treatment, while others do not. The easiest way to find out if mental health care is covered under your plan is for you to contact your insurance company. Below are some questions that are helpful to ask:

• Does my insurance plan cover mental health services?
• Does my plan cover out of network mental health providers?
• Is “pre-authorization” required before I meet with the provider?
• Is there a limit on the number of sessions that my plan will cover on an annual basis?
• What is the annual deductible and what is the co-insurance under my plan?

The deductible is what you pay out of pocket before your insurance starts paying. The co-insurance is the percentage amount of my fee that the plan will cover. Typically, after the deductible is met, a plan will cover 60%-75% of my fee.