Out of Network Benefits
To utilize out of network benefits, take the following steps:
-Check your out of network benefits: Typically in the Summary of Benefits included in your member information packet or on your insurance company website
-Call your insurance company to verify, asking: What is my out of network deductible for outpatient mental health? What is my out of network coinsurance for outpatient mental health? Do I need a referral to see someone out of network? How do I submit claims for reimbursement?
-Ask therapist for a superbill and submit it to your insurance company monthly
-Receive reimbursement: You'll need to pay your therapist their entire fee at the time of service, but with out of network benefits, your insurance company will mail you a check to reimburse a portion of the cost