We will do our best to work with your Insurance Company, however, we cannot guarantee they will pay your claims. If Insurance denies your claim, we will work to help you pay your account.
Questions to ask your Insurance Company:
If you would like to use your health insurance, here are some important questions to answer through your company policy, website or an agent:
1. "What are my policy mental health benefits and are these sub-contracted to another insurance company?"
2. If yes, "Is my mental health deductible part of, or separate from my medical deductible?"
3. "How much of my deductible have I met this year?
4. "What is my co-pay once my deductible has been met?"
5. "How many sessions am I allowed and when does my policy year begin?"
6. "Is pre-approval or pre-certification required?"
7. If out-of-network: "What are my out-of-network benefits and what do I need to do to access them?"
9. "Is there anything else I should know about using my mental health benefits?"
Questions to ask your Insurance Company:
If you would like to use your health insurance, here are some important questions to answer through your company policy, website or an agent:
1. "What are my policy mental health benefits and are these sub-contracted to another insurance company?"
2. If yes, "Is my mental health deductible part of, or separate from my medical deductible?"
3. "How much of my deductible have I met this year?
4. "What is my co-pay once my deductible has been met?"
5. "How many sessions am I allowed and when does my policy year begin?"
6. "Is pre-approval or pre-certification required?"
7. If out-of-network: "What are my out-of-network benefits and what do I need to do to access them?"
9. "Is there anything else I should know about using my mental health benefits?"
Mental Health Parity Act
"The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) requires group health plans and health insurance issuers to ensure that financial requirements (such as co-pays, deductibles) and treatment limitations (such as visit limits) applicable to mental health or substance use disorder (MH/SUD) benefits are no more restrictive than the predominant requirements or limitations applied to substantially all medical/surgical benefits. MHPAEA supplements prior provisions under the Mental Health Parity Act of 1996 (MHPA), which required parity with respect to aggregate lifetime and annual dollar limits for mental health benefits." *
* see the Department of Labor website |
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