Out-of-Network Benefit Q&A:

If you would like to verify your own coverage, you can call the number on the back of your insurance card and ask the following questions:

• Do I have out-of-network mental/behavioral health benefits? Typically an out-of-network plan is referred to as a Preferred Provider Organization Plan (PPO) or Point-Of-Service Plan (POS).

• How do I know if I have an out-of-network deductible that has to be met first before I get reimbursed? Has any amount of my deductible been covered this year? Many insurance providers offer online portals or mobile apps where you can log in to view your insurance information. Check your account to see if there is information about your out-of-network deductible and any amounts that have been covered. You may find details about claims, deductibles, and coverage summaries. Otherwise, by calling the phone number on the back of your insurance card, you may ask a representative.

• What is my co-insurance amount? Co-insurances typically range between 20%-40% of the session cost. For example, if the cost of the session is $200 you will be reimbursed between $120-$160 per session by your insurance company.

• What is the usual and customary rate covered by my insurance for outpatient psychotherapy? To find out, ask your insurance provider to check under CPT code 90834.