Insurances Accepted:

HIGHMARK BCBS 

UNITED BEHAVORIAL HEALTH

MAGELLAN HEALTHCARE

OPTUM

UPMC

INDEPENDENCE BLUE CROSS

UNITED HEALTHCARE

AETNA

NOTE: I also accept clients who prefer not to use their health insurance. 

Questions to ask your insurance provider:

When calling your health insurance company, it's important to find out a few things, such as your deductible amount, your copay or coinsurance amount, any special requirements to receiving coverage (e.g. referral from a primary care physician), and logistics (e.g. submitting claims for reimbursement).

The questions below will help you gather each of these data points! We recommend asking these questions, jotting down the answers, and sharing them with your therapist who can help you understand what each of these mean.

 

Questions about in-network benefits:

If your therapist says they are "in-network with" or "paneled" with your health insurance, ask your health insurance company the following questions to verify that (1) you indeed can see them in-network, and (2) how much it would cost to see this provider:

  • Is this provider (full name and NPI) in-network with my health insurance? (Your therapist may not be in-network with your particular plan, so this is important to check!)

  • What is my in-network deductible for outpatient mental health visits?

  • How much of my deductible has been met?

  • What is my copay for outpatient mental health visits?

  • Is this coverage applicable before or after I meet my deductible?

 

Questions about out-of-network benefits:

If your therapist says they do not take your health insurance, ask your health insurance company the following questions to understand how much of sessions they will reimburse:

  • What is my out-of-network deductible for outpatient mental health visits?

  • How much of my deductible has been met this year?

  • What is my out-of-network coinsurance for outpatient mental health visits?

  • Do I need a referral from an in-network provider or a primary care physician to see someone out-of-network?

  • How do I submit claims for out-of-network reimbursement?

 

Questions about teletherapy:

  • Are virtual outpatient mental health visits (or teletherapy) covered by my plan?