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Questions to ask insurance companies

The following are some questions to ask your insurance provider to determine your out-of-network benefits for mental health services. 


Do I have out-of-network (OON) benefits? If so, what are they?


What is my deductible? How much, if any, have I met thus far?


Is teletherapy covered? If so, is there a visit limit or restrictions?


What is the standard reimbursement for the following CPT codes:

  • 90791 - Psychodiagnostic Evaluation/Intake

  • 90834 - Individual Psychotherapy (45 minutes)

Additional CPT codes that might be used:

  • 90832 - Individual Psychotherapy (30 minutes)

  • 90837 - Individual Psychotherapy (60 minutes)

  • 90853 - Group Therapy

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