Contacting Your Insurance

Most insurance cards have a phone number on the back of the card to inquire about behavioral health benefits. Questions that can help to guide this conversation are:

  • Does my insurance plan include out-of-network telepsychology benefits?

  • What is my out-of-network deductible, and what amount of it have I met?

  • Once I meet my out-of-network deductible, what reimbursement can I expect per session? (Most plans will have co-insurance after you have met your deductible, which is a percentage of the "allowed amount" that your company will pay for a therapy session).

  • What is the allowed amount for a 55-min telepsychology session with a psychologist?

    • Insurance claims are filed using CPT codes, and the ones relevant to our work would be 90791 for the initial intake session and 90837 for subsequent 55-min sessions.

    • If insurance asks about the manner through which telepsychology is offered, you can tell them that I use HIPAA-secure video platforms through SimplePractice and Psychology Today.

  • Do I have an out-of-pocket maximum for the year? (If you have such a maximum, that is the amount at which insurance would then pay 100% of the allowed amount for any out-of-network services you receive that year).

  • Do I need a referral from my primary care physician to begin therapy?

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