- Does my policy have a yearly cap?
- Do I need an authorization (especially for EAP services) or certification prior to receiving any mental health services?
- What is my deductible and how much been met so far for this year?
- What is my yearly out-of-pocket maximum and how much has been met?
- How many sessions does my plan cover with a therapist or psychologist per calendar year?
- What are the usual customary rates for in office professional mental health services by a therapist or psychologist (codes: 90791, 90834 & 90837) in my zip code?
- What percentage of the usual and customary rate does my plan cover with an out-of-network therapist or psychologist?
- Be sure to write down and keep this information for your records: the name and badge number of the agent you spoke with, the date, time and the confirmation number for that call. Please be sure to also write down your questions as well as the agent’s exact responses, just in case you need them later to support your claim.
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