Questions For Your Insurance Company About OON Benefits
To find out if you have OON benefits, you can call your insurance company using the phone number on the back of your insurance card. When you are speaking to a representative, you can ask them the following questions:
Do I have out-of-network benefits for mental health or behavioral health treatment?
How much do I pay in co-insurance?
This will help you determine how much of the session rate you are responsible for. Your insurance company will reimburse you for the rest.
Do I have an out-of-network deductible to meet before I am eligible for reimbursement? If so, how much of that deductible has been met?
What is the usual and customary rate covered for outpatient psychotherapy?
The CPT codes I use are 90791 for the intake and 90837 for individual therapy.