Your out-of-network benefits are usually pretty straightforward to use. Most insurance companies have you upload your monthly superbill online (it can sent to you on the 1st of each month if you choose this option) and then they will mail you a check with your reimbursement. I can offer multiple options for courtesy billing meaning you don't have to do anything except sit back and wait for a check in the mail.
It’s always a good idea to call the number on the back of your health insurance card listed under Member Services.
You can ask them the following questions:
Do I have out-of-network outpatient mental health coverage? Am I able to use these benefits for telehealth?
What is my out-of-network deductible?
How much of my deductible has been met this year?
Do I need a referral from an in-network provider to see someone
Do you reimburse if I see an LCAT (license type)?
What percentage of outpatient psychotherapy sessions are covered per session?
How much will I be reimbursed for a 45 minute psychotherapy session (CPT code: 90834)?
How do I submit claim forms for reimbursement?
How long does it take for me to receive reimbursement?
DISCLAIMER: Because of the changing nature of Health Insurance, we cannot guarantee outcomes with your insurance coverage. Please check your coverage with your insurance so you know what to expect.