As you begin therapy, it will be important for you to understand your insurance coverage. Because you are responsible for all costs not covered by your insurance plan, we urge you to clarify the nature and limits of your mental health benefits as soon as possible.
Your insurance representative or personnel office should be able to answer the following questions regarding your particular policy:
- What is your annual benefit maximum for out-patient psychotherapy? (Does this include group, couples or family therapy, in addition to individual therapy?)
- Does your insurance cover a specific number of sessions, or does it simply limit you to a certain dollar amount?
- Are you required to make a co-payment for each session? Does your co-payment increase after a certain number of sessions?
- Are you responsible for obtaining an initial referral authorization form for your psychotherapy?
- Does your plan have a deductible?
- If you are personally responsible for submitting the insurance claim form, how do you obtain these forms?
Insurance Company and HMO Affiliations
Ask your clinician which insurance plan you may use. Associates, each an independent contractor mental health provider, have affliations with most major health insurers, including:
Major Regional HMO’s
- Tufts and Secure Horizons
- Harvard Pilgrim
- Blue Cross/Blue Shield (all plans)
All Indemnity Insurers, such as
- Blue Cross/Blue Shield
- Cigna (with out-of-network benefits)
- United Behavioral Health
- United Health Care
- Medicare and supplements