Preparing for Insurance Open Enrollment Focus on Mental Health

It's almost that time of year again..... the questions about whether your chosen insurance will cover your ongoing or new services can be stressful.  The providers at Compass Counseling & Wellness want you to benefit from your insurance coverage as much as possible.  Here are a few tips to help with this process:

Our providers are individual owners, and therefore in-network contracts may differ based on your provider.  Check each page to verify if your insurance is in-network for your provider.

Once you have that information, take these questions with you and contact your insurance company PRIOR to your first appointment to be informed about your financial responsibility for services.

For In-network benefits, ask these questions:

• What’s my deductible for in-network mental health benefits?
• Is there a limit on sessions your plan will cover per year?
  • If Yes, How many?
• Does my policy cover 60 minute sessions?
  • If yes, how many?
• How much is your co-payment for mental health services?
• What is the policy year (i.e. Jan 1 – Dec 31)?
• Does your plan require pre-authorization for psychotherapy?
• Do I have out-of-network mental health benefits ?

For Out-of-network benefits, ask these questions:

• Does your plan include “out-of-network” coverage for mental health?
• Is there an annual deductible for out-of-network mental health benefits?
  • If so, how much?
• Is there a limit on the number of sessions your plan will cover per year?
  • If Yes, How many?
• Is there a limit on out of pocket expenses per year?
• What is your co-insurance percentage for mental health services?
• Does your plan require pre-authorization for psychotherapy?
• What is the policy year (i.e. Jan 1 – Dec 31)?
• Does your plan require a referral for psychotherapy?