Clients are encouraged to contact the member services number located on the back of their insurance card to better understand their mental health benefits prior to beginning services.
Helpful Questions to Ask Your Insurance Company
Is outpatient mental health therapy covered under my plan?
Do I have a copay, deductible, or coinsurance for therapy sessions?
Has my deductible been met yet?
Are telehealth therapy sessions covered?
Do I need a referral or prior authorization before starting therapy?
How many therapy sessions are covered per year?
Is Anchor Wellness or my provider considered “in-network” with my insurance plan?
Are there any limitations for couples counseling, family therapy, or EMDR services?
Helpful Insurance Terms
Copay: A fixed amount you pay per session.
Deductible: The amount you must pay before insurance begins covering services.
Coinsurance: A percentage of the session cost you may owe after meeting your deductible.
In-Network: A provider contracted with your insurance company for reduced rates.
Out-of-Network: A provider not contracted with your insurance company, often resulting in higher costs.
Prior Authorization: Approval required by some insurance companies before services are covered.
EOB (Explanation of Benefits): A statement from your insurance company explaining what was paid and what you may owe.
Please note that information provided by insurance companies can occasionally change or be inaccurate. Final financial responsibility is determined by your insurance carrier after claims are processed.
