Questions to Ask Your Insurance Company

I am an out-of-network provider. This means I can take payment via Health Savings Accounts and Flexible Savings Accounts, and that I am able to provide invoices for our sessions that you may be able to submit to your insurance provider for reimbursement. Do you know if you have out-of-network benefits through your insurance provider?

If you don't know whether or not you have out-of-network insurance, a health savings account or a flexible spending account, I would recommend calling your health insurance company to inquire. I recommend asking the following questions:

• Can I use a Health Savings Account or a Flexible Spending Account to cover the cost of sessions provided by a licensed social worker?

• Does my plan have out of network benefits for mental health care?

• Do I have a deductible? Have I met any portion of my deductible with other medical expenses this year?

• What is my "co-insurance"?

• Does my plan reimburse for sessions provided by a licensed social worker (LMSW or LCSW)?

• How many sessions per year does my health insurance cover?

• What percentage of the psychotherapy services fee will be reimbursed to me?

• Is approval required from my primary care doctor?

• If I am eligible for reimbursements, what is the process for getting reimbursed?

Once you find out, let me know and we can take it from there. Depending on what insurance you have and your financial capacity at this moment, I can make some recommended next steps.

Hope this helps!