Helpful Questions for Determining Insurance Coverage

Insurance can be confusing: which services are covered, how much does it covered, and what's your responsiblity?  In addition, each year, your insurance coverage may change.  It's helpful and important to know your responsibility for the cost of services.  Below are a list of helpful questions you can ask when you call your insurance provider to help determine your responsiblity for services.

1.  Who is the policy holder?
     You'll need their name, date of birth, address.

2.  Who is your primary insurance provider?
     You'll need the full member ID number (including dashes, if present), group number, and
      effective and expiration date of the policy.

3.  Who is your secondary insurance provider?
     You'll need the full member ID number (including dashes, if present), group number, and
     effective and expiration date of the policy.

​4.  Do you have mental/behavioral health coverage?

5.  Do you have telehealth coverage?

6.  What is your co-pay amount per session?

7.  Do you have a deductible to meet before insurance coverage begins?

8.  What is your deductible?

9.  Once you have met your deductible, what is your responsibility per session "after"
     deductible?

10.  Ask if there are any services that are not covered?

11.  Ask if you need an authorization to receive any of these services?  If so, how many
      sessions are authorized?

Having an answer to these questions PRIOR to your appointment with your provider will allow you to make the most of your insurance benefits, and will lower any anxiety you may have about your cost responsibilty.  Compass Counseling and Wellness wants to empower you to know your insurance benefits, and to enjoy the maximum they have to offer in your mental health journey.  Ask your provider about specific questions or for more information.