Many new clients call for services thinking their insurance covers psychotherapy, psychological testing and/or neuropsycholgical testing.  However, there are many things to consider incluing: deductibles, in network coverage, and out of network coverage.

Regardless if your insurance provider list shows Therapist A as a provider, you still need to call to ask each provider if they still participate or are panelled with that particular insurance or employee assistance program. Most commercial insurances do not update their list frequently and will have providers listed who no longer participate.

Either log into your insurance’s website of call the number provided on the back of the your insurance card.  You can ask them if you have a deductible or not. You can ask if you have co-insurance (meaning they pay a portion and you pay a portion of the cost).  You can ask if you pay the full fee for said provider until you meet your deductible.  You can also ask what the out of network fees are AND whether your policy has mental health coverage. Not all policies do have it.

You may use this link for further understanding of which questions to ask.