If I'm not in network with your insurance, your plan may still reimburse you for part of each session. Many PPO plans do; HMO and EPO plans usually don't. You can call your insurer’s member services number on the back of your card to find out.

Here's what to ask:

• Do I have out-of-network outpatient mental health benefits?

• Is a Licensed Mental Health Counselor (LMHC) a covered provider type under my out-of-network mental health benefits?

• Are telehealth sessions covered the same as in-person sessions?

• Does it affect my coverage if my provider is located in another state?

• What is my out-of-network deductible, and how much have I met this year?

• Once the deductible is met, what percentage of the allowed amount is reimbursed?

• What are the allowed amounts for CPT codes 90837 (60-minute psychotherapy) and 90791 (initial evaluation) with a master’s-level clinician?

• Is there a limit on sessions per year?

• Do I need prior authorization?

• How do I submit a claim, and what's the deadline for submitting?

The allowed-amount question is the one that matters most. Plans reimburse a percentage of their allowed amount, not of my fee, so knowing that number is what lets you calculate your actual cost. Before you hang up, write down the representative's name and the call reference number.

After each session I'll provide a superbill—an itemized receipt with the diagnosis, service codes, and payment information your insurer needs. You submit it, and reimbursement comes directly to you.

Therapy is also an eligible expense for HSA and FSA funds, if you have either available.

Insurance details can be confusing. If you're unsure whether your benefits make the numbers work, I'm happy to talk through how my fees and superbills work; your insurer can give you the most accurate information about your specific coverage. If you'd like to talk through whether working together might be a fit, a consultation is a good place to start.