Call your insurance company and tell them you would like to go out-of-network for behavioral health. Some questions to ask your insurance provider:

  1. What is my current yearly deductible?
  2. How much of this deductible has currently been met?
  3. What are my mental health benefits?
  4. What is the reimbursement rate for an out-of-network provider (once your deductible has been met)?
  5. How/what do I to submit for reimbursement?
  6. What specific information is needed on the receipt?
  7. Are there are any limitations on the amount of sessions or amount paid out?
  8. Is pre-approval required from my primary care physician?