Insurance
What about insurance?
Out-of-network (OON)
More about OON coverage
Consider calling your insurance company, or referencing your policy manual, with these questions:
Out-of-network (OON)
- I file out-of-network (OON) claims on behalf of clients if they wish;
- I provide a superbill, monthly, for clients who wish to file their own claims for reimbursement for therapy with their insurance plans;
- Insurance education--I'm always learning myself--is part of my work; I'm very happy to share what I know and help find answers for what I don't.
More about OON coverage
Consider calling your insurance company, or referencing your policy manual, with these questions:
- Does my insurance policy include coverage for an OON mental health provider?
- Is there an OON deductible and if so, what is the OON deductible amount, how much have I met to date, and how much remains to meet it?
- When does my OON deductible, or plan-year, reset?
- What is my co-payment and/or co-insurance rate for the following CPT codes:
- 90847 (psychotherapy, couples or family)
- 90837 (psychotherapy, 60 minutes, individual, the most common code I bill with)
- 90834 (psychotherapy, 45 minutes, individual)
- 90791 (diagnostic evaluation)
- What is the allowable amount for OON psychotherapy CPT codes, above?
- Does my insurance policy require prior authorization for OON services?
- Does my insurance policy limit the number of psychotherapy sessions for the plan year? Or for the lifetime of the plan?
- How long can I expect to wait before receiving my reimbursement check from the insurance company?
- Is direct-deposit available for reimbursement for psychotherapy fees?