When you call your insurance company to verify your mental health coverage, ask the following questions:
What is my annual in-network deductible?
What is my copay for outpatient mental health?
Do I have an annual session limit for outpatient mental health?
Do I need a referral from a primary care physician to see a therapist in- or out-of-network?
Do I have an additional out-of-network deductible?
What is my coinsurance for outpatient mental health?
How do I submit out-of-network claims for reimbursement?
On an initial call with a therapist, you can also ask what billing codes they use, which can make it easier to estimate exact costs.