There are three basic steps to using out-of-network benefits:
Pay the session fee: You are typically responsible for paying the therapist’s entire session fee upfront.
File a claim: Depending on the provider, therapists are often willing to file paperwork on your behalf, or provide documentation for you to submit the claim yourself.
Receive reimbursement: Your insurance company will send you or the provider a check to cover the cost of up to 90% of the session fee.
Get more detailed instructions on how to use out-of-network benefits.