02/13/2026
☎️ Four questions to ask your insurance company about therapy:
1️⃣ Do I have out-of-network benefits for mental or behavioral health services?
(Some plans use “behavioral health” instead of “mental health.”)
2️⃣ What is my reimbursement policy and deductible?
This helps you understand what you may need to pay out of pocket before insurance contributes.
3️⃣ Which diagnoses and billing codes are covered?
If you already have a provider in mind, you can also ask which billing codes they use.
4️⃣ Is telehealth covered the same way as in-office therapy?
Some plans handle virtual sessions differently, so it’s helpful to ask directly.
Insurance coverage can be very specific.
Asking the right questions can make the conversation feel a lot clearer.
(Save this for later. You don’t need to figure everything out today.)
