Fees & Payment

FAQS

Check out-of-network benefits for free.

See whether your plan may include out-of-network reimbursement and get an estimate of what sessions could cost after reimbursement.

What to Ask Your Insurer

To verify your out-of-network benefits, call the customer service phone number listed on the back of your health insurance card. You can read this checklist to the representative to understand your plan:

  1. “Does my specific plan include out-of-network benefits for outpatient mental health or psychotherapy?"

    • Not every plan includes out-of-network coverage, so this is the first thing to confirm.

  2. “Is CPT code 90837 covered when I see an out-of-network therapist?

    • 90837 is commonly used for a 60-minute psychotherapy session. This confirms whether your plan covers the type of session you’re receiving.

  3. "What is my out-of-network deductible, and how much of it have I already met this year?"

    • This tells you how much you may need to pay before your out-of-network benefits begin contributing.

  4. “After I meet my deductible, what percentage does my plan reimburse for CPT code 90837, and what is the allowed amount?”

    • A plan may say it covers 50% or 60%, but that percentage may be based on the insurer’s allowed amount rather than your therapist’s full fee. Asking both questions can help you estimate your actual reimbursement.