Questions to ask your insurance company: 
  1. Do I have out of network mental health or counseling benefits?
  2. Do I have an out of network deductible and if so how much is it? What would be my copay or percentage after I meet the deductible? 
  3. Have I met any of this deductible yet this year? Are my medical and mental health deductibles together or separate?
  4. What mental health services are covered? Are V codes covered or only claims with a mental health diagnosis?
  5. Is marriage counseling covered? If so, is it true marital therapy or is one partner considered the patient and the other considered an extra person in the room that is just there to support the patient? (This would create an unhealthy balance in true marriage therapy, especially if a mental health diagnosis is required.) 
  6. Do I have a limited number of sessions I can attend a year?
  7. How much information is required for reimbursement?
  8. Is there a usual and customary rate that the insurance company will pay for therapy per session and if so how much is that?
  9. Do I have to get pre-approval to pursue therapy with the provider of my choice?  Remember this would be pre-approval for an out of network provider.  United Behavioral Health always requires a pre-approval code.
  10. Where do I get the forms to submit my own claims?
  11. Are the conditions any different if I choose an in-network provider?
  12. For therapists on an in-network list, know that an MFT has trusted training in handling couple or family issues even though an LPC might say he/she does this type of counseling, the training is not the same. ​
Other Considerations: How confidential would my record of a mental health diagnosis be with an insurance company? Can I get a level of care that better matches my needs and desire for confidentiality by using my FSA or HSA account?

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How long does therapy usually take?

The average amount of time most issues can be covered in therapy is six to eight weeks. The notable exceptions are marriage therapy, adoption/foster care treatment, severe depression/mood disorders, eating disorders and abuse issues, all have a longer treatment cycle.

Skill Two

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Skill Three

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