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