Insurance & Benefits Verification

Clients are required to verify their psychotherapy benefits directly with their insurance carrier prior to initiating services, even when the provider is in-network. Insurance companies do not grant providers access to complete, plan-specific benefit information, including deductibles, copays, coinsurance, session limits, prior authorization requirements, or service exclusions. Any benefit information obtained by a provider is considered an estimate only and does not guarantee coverage or payment. Final determinations of coverage are made solely by the insurance carrier, and clients remain financially responsible for all services rendered if claims are denied or reduced.

For Iowa clients: UnityPoint Wellmark Blue Cross Blue Shield plans are not accepted.

What to Ask Your Insurance Carrier

When contacting your insurance company, ask the following specific questions:

• Is outpatient mental health/psychotherapy covered under my plan?
• Is my provider in-network for my specific plan (not just the carrier)?
• What is my copay, coinsurance, and deductible, and has my deductible been met?
• Are there limits on the number of sessions per year?
• Is prior authorization required for ongoing therapy?
• Are there restrictions on diagnosis, modality, or telehealth services?

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