If you have health insurance, it pays to be fully informed about what your insurance company does and does not cover. Many insurance plans cover or reimburse for mental health care. Often, therapists will provide you with a “super bill” that you can submit to your insurance company for reimbursement, providing the treatment and provider meet your insurance company’s requirements. Some therapists will bill your insurance company directly. It is your responsibility to make sure your therapy is covered. Here are a few tips for doing so:
Contact your insurance company or read your insurance plan to verify your insurance coverage. Get the name and title of the person with whom you speak.
Ask your insurance company if you need a referral from your primary care physician to work with a MFT. If you do, be sure you get a referral for therapy.
Ask your insurance company about what your policy will cover.
Find out from your insurance company how many visits are covered.
Confirm the amount of your deductible and co-pay.
Ask your insurance company if it requires the therapist to be part of a preferred provider network or if there are any limitations on who you choose to receive therapy from.
Before you start therapy, you should discuss payment policies and options with your therapist.
Resource: California Association of Marriage and Family Therapists, 2009. Website: http://www.therapistfinder.com/insurance_and_therapy.cfm