Out Of Network Information
We encourage you to contact your insurance company to inquire about your specific out-of-network coverage. Below is a step by step guide to ensure you’re obtaining the necessary information from your insurance provider. On the back of your insurance card, there should be a toll-free number for questions related to your mental health benefits.
1. Indicate that you would like to see an out of network psychologist and ask if you have out of network benefits.
a. No, you do not have out of network benefits. That would mean that seeing a provider at our practice would involve you paying for services and your insurer would provide no reimbursement.
b. Yes, you do have out of network benefits. You will want to find out the details of those benefits, and if there is any out of network deductible. Many insurance plans will pay some percentage of a bill for out of network coverage.
2. If your insurer says the out of network benefit is specific to the type of treatment you receive, then you would want to know how you would be reimbursed for the following billing codes:
90791 (Initial Intake)
90837 (Follow-up appointments)
90846 (Family therapy without client present)
90847 (Family therapy with client present)
90785 (May be used for clients under 18 when appropriate)
3. Once you understand your deductible and specific reimbursement amounts for the above codes, you should be able to determine what amount your insurance would reimburse you for sessions.
4. Request the insurance companies address for you to send your “Superbill”. That’s the invoice form we provide for you.
Hopefully this information is helpful in allowing you to obtain mental health services with out-of-network providers.