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When thinking about psychotherapy, the cost is often an important consideration. It is important to understand your behavioral health benefits. Use your insurers' website or call the number on your insurance card to ask the following questions:

  • Can I get a list of all clinicians in my area that are in your network?

  • What is my copay per session?

  • If I choose a provider who is out-of-network, what are my out-of-network benefits?

  • What percentage of my out-of-network visits are covered after I meet my deductible?

  • Do my out-of-network visits have a different deductible than my in-network visits?

  • Are there differences in coverage if I’m seen in-person vs. telehealth?

  • What is the allowed rate for CPT codes 90791 (intake), 90837 (60 min visit), and 90834 (45 min visit)?

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